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Can You Get Motorcycle Insurance Without A License?

Can You Get Motorcycle Insurance Without A License?

If you do not have a motorcycle license or a driver’s license, can you still get insurance? Although it would be logical to think that you cannot get coverage, most insurance companies will still allow you to buy insurance. It is important to keep in mind that buying insurance does NOT mean that you can drive without a license. Whoever operates your motorcycle must have a valid driver’s license. Most states require that motorcyclists pass both a written (knowledge) test and a driving (skills) test before they are issued a license.

When applying for an insurance policy, most companies will require that you provide a valid driver’s license number. This number is used to check your driving record and helps insurers determine your level of risk. If you have a history of reckless driving and/or accidents, insurers will be able to see these offenses on your driving record by looking up your license number. If you have no license, they cannot accurately determine your level of risk – therefore they will not allow you to get a policy for yourself.

How to Get Motorcycle Insurance Without a License

Even though most individuals without a driver’s license will be rejected for insurance, there are still some exceptions. Below are various ways to get an insurance policy without a current driver’s license. Usually only people with suspended licenses, disabilities, and foreign visitors will be able to obtain coverage without a current license.

1.  People with Disabilities

If you have a disability and aren’t able to obtain a driver’s license, you will still be allowed to get your motorcycle insured. All you need to do is prove that you will never be driving the motorcycle and list a licensed primary driver on your account to drive the vehicle. In other words, if you are the motorcycle owner and want to be driven around or pay the insurance for someone else to drive, you can. The insurance company will need you to assign a primary driver to the vehicle though. This primary driver will determine how much you will pay for a policy – insurance companies will assess his/her risk.

2.  Suspended License

For individuals with suspended and/or revoked licenses, your state Department of Motor Vehicles (DMV) will likely require you to obtain insurance before your driving privileges are reinstated. To reinstate your privileges, you will need to fill out an SR22 – a form that allows the state to keep track of your insurance. In cases of suspended licenses, you will still need to provide insurers with your suspended driver’s license number and information. They will use this information to assess your level of risk and get you an appropriate policy. Once you have obtained your policy, you can show the DMV and get your license back.

3.  International Driving Permit (IDP)

Many individuals from out of the country may have an identification card. For example, if you are here from out of country and have an International Driving Permit (IDP), you may need to talk to insurers about that. If you are not a resident of the United States, you may get turned down by certain insurers for coverage. On the same token, you may experience increased rates if you do not have a driving history.

Insurance Without a License is Impossible

Based on the information above, you should know that there are very few circumstances that allow individuals to obtain insurance without a valid motorcycle license.  In most cases, getting insurance without a license is impossible. For most people, the only way to obtain insurance is to first get their driver’s license or permit.  This means that they will have to enroll in testing through their local Department of Motor Vehicles. Once the appropriate testing has been taken and passed, they will be issued a valid license. Only people that have gotten a license can be properly insured.

You aren’t allowed to drive without a license, so why would an insurer give you coverage without a license? It wouldn’t make sense. It should also be noted that if you ever attempt to use someone else’s driver’s license to obtain motorcycle insurance, it is a serious legal offense that could result in criminal charges. Never try to fake your personal information just so that you can get insurance. Take the time to learn about safe motorcycle driving practices, pass the appropriate testing, and then go get insurance.

Motorcycle Insurance After Getting a License

Once you have gotten your motorcycle license, you can shop around for insurance. If you would like help finding a great policy, use the search box below. Simply enter your Zip Code and you will be shown a list of leading providers in your area. From this list, all you need to do is make a few clicks and gather some free quotes. This tool is 100% free to use, all it does is help you find the best insurer based on location, price, and coverage. You should take the time to compare quotes and determine which companies offer the best rates. If you aren’t sure about a certain company, read various reviews on this website!

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