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Can I still get car insurance if I’m not licensed and can’t drive?

I own a vehicle but, because of medical issues, I am disabled and not able to legally drive. I do have a person who drives my car when I need to go anywhere. Can I get insurance?

Agent Answer

Neil Richardson

What you would need to do is have a policy written in your name, add the person who drives you around, and have yourself excluded from the policy. So the policy would basically be yours but you aren’t covered as a driver so you shouldn’t impact the rate as a driver. Most large, national carriers will allow for this so I would recommend trying Geico, Progressive, Allstate, Nationwide, or State Farm. This should be fairly straight forward so you shouldn’t have much issue finding coverage. Remember to compare rates with as many companies as possible to find the best rate. Also make sure to provide accurate information about the other driver you plan to list on your policy for the most accurate quotes.

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