If you’re like most people, you probably think of car insurance as something you need only if you get into an accident. But did you know that you can buy car insurance even if you don’t have a driver’s license? This is known as “non-driver’s auto insurance” and it can be a valuable addition to your protection. Here are some reasons why: Non-driver’s auto insurance covers property damage, regardless of who was at fault in an accident. This includes accidents involving pedestrians, cyclists, and other drivers who do not have license. It can help cover the cost of driving without a driver’s license if your license is suspended or revoked. It can provide financial support in the event of a car theft or vandalism. If you have non-driver’s auto insurance, make sure to read the fine print and understand your policy limitations. For example, some policies do not cover personal injury claims or accidents caused by uninsured drivers.
What is Required to Have a Car Insurance Policy in Texas
A car insurance policy is required in Texas for both licensed drivers and unlicensed drivers. The minimum premium for a liability policy is $50,000 per person and $100,000 per occurrence. Collision coverage is also required at a minimum of $5,000 per occurrence.
You must have a valid driver’s license to obtain car insurance in Texas. Most carriers will require you to provide proof of your license before issuing you a policy. If you are not licensed, you can still purchase a policy if you have proof of financial responsibility and an acceptable credit score.
You can obtain a car insurance policy without having a driver’s license if you satisfy the requirements listed below:
What are the Different Limits of Coverage You Can Get on Your Car Insurance Policy in Texas
In Texas, you can get car insurance even if you don’t have a license. The different limits of coverage you can get depend on your age and the type of car you’re driving. You can find out more about the different limits by visiting the Texas Department of Insurance website.
If you’re under 18, you can’t use a car without parental consent. However, Texas law allows parents to buy an auto insurance policy for their child under 18 without having to provide proof of liability insurance or driver’s license. If the parent doesn’t have liability insurance or a driver’s license for themselves, they can get a policy through the state-run marketplace or by signing up with an uninsured motorist insurer.
If you’re between 18 and 25, your maximum limit of coverage depends on your age, type of vehicle, and credit score:
18-to-24-year-olds: $30,000 per person/$60,000 per accident for property damage only
25-to-34-year-olds: $100,000 per person/$300,000 per accident for property damage only
35-to-44-year-olds: $200,000 per person/$600,000 per accident for property damage only
45+ years old: $300,000 per person/$1 million per accident for property damage only
What is the Minimum Age for Having a Driver’s License in Texas
In Texas, the minimum age for a driver’s license is 16 years old. If you are under 18, you must have a parent or guardian with you when you apply for your license and while driving. You must also have a valid driver’s permit to operate a vehicle without a license. If you are at least 18 years old but under 21 years old, you can apply for a restricted driver’s license which allows only specific types of travel, such as attending an approved school or participating in extracurricular activities.
In some states, you don’t need a license to put insurance on your car. In other words, if you are at least 18 years old and have liability insurance on your car, you can go ahead and get auto insurance. However, if you are not licensed to drive in that state or do not have the required liability insurance, then you will need to get a license first before putting any kind of auto insurance on your car.