If you own a car that you use frequently, it should be on the list of drivers. I can't get a valid driver's license. If you don't have a valid driver's license and can't provide a valid driver's license number, you won't be able to finalize a policy. You may not need a license to get car insurance for a vehicle that neither you (or anyone else) drives.
The easiest way to get car insurance without a license from a nearby company is to talk to a licensed broker or insurance expert. If you need to take out car insurance after your license has been suspended for driving under the influence of alcohol, an accident, or other driving violation, the insurance company will have to present you with an SR-22 before you can get your driver's license again. Buying unlicensed car insurance is a unique situation, so start by talking to a broker or insurance expert who can explain special steps you might need to take, or orient you to smaller local insurance companies that might be more willing to insure you. Sometimes you can get car insurance if you don't have a license, but it can be difficult to find the right policy.
That's why you may have to prove that you won't drive the car and that someone else will in order to get car insurance without a license. Having an SR-22 is sometimes referred to as SR-22 insurance, although it's not really a type of car insurance. There are some situations where it might be a good idea to take out car insurance even if you don't have a license, such as if you have a car that someone else drives, when your child needs insurance but can't afford it or is too young to get their own policy, or when you're not fully licensed but plan to have it soon. To get car insurance as an unlicensed driver, you'll have to exclude yourself from coverage and name someone else as the primary driver of your car, or get a reduced policy for vehicles that no one drives.
You can get car insurance without a license, but it will require more work than if you were fully licensed. Most states allow members of the armed forces to keep their car registration and insurance in the state where they are legally resident. To get unlicensed car insurance, you must exclude yourself as a driver in the policy and include a licensed family member, friend, or caregiver as the primary driver. If a driver excluded in a policy drives the car and has an accident, the insurance won't cover the damage.
So, if you're excluded from coverage, it means you can't drive your car (but if you don't have a license, you can't drive your car anyway). However, keep in mind that if Florida is your secondary state, your insurance policy, regardless of where you buy it, must include Florida's minimum mandatory insurance coverage. If your car is going to live in a garage or storage facility in the near future, you can get a policy that only includes comprehensive coverage, sometimes called car storage or parked car insurance.
