Just because you own a vehicle doesn’t mean you’re the one operating it. How can you stay within the law if you buy a motorcycle but don’t have a license? Can you get motorcycle insurance without a license?
Table of Contents
Can You Get Motorcycle Insurance Without a License?
State-by-State Differences
Why an Unlicensed Person May Own a Motorcycle
Motorcycle Insurance Through Pronto Insurance
Can You Get Motorcycle Insurance Without a License?
Is it legal to get motorcycle insurance without a license? You can own a motorcycle and be the primary person on the motorcycle insurance policy without a license. You cannot legally drive a bike in any state without a permit or license.
State-by-State Differences
Some states need motorcycle owners to list at least one licensed driver on the policy. Motorcycle insurance companies operating in these states let the person buying the insurance policy designate someone other than themselves as the primary driver. That means the company won’t cover any claims that occur if the primary driver decides to drive and an accident occurs, even the actual owner of the motorcycle.
Why an Unlicensed Person May Own a Motorcycle
A simple yes to the question above often leads to additional questions. It’s illegal to drive without a license, even if the vehicle is insured. Yet, there are various reasons why someone without a valid motorcycle driver’s license is the legal owner of the bike. A few examples of why someone may do this include:
- Your status as an unlicensed driver isn’t permanent
- It is a classic motorcycle that won’t be driven
- Your teenager drives it, and they’re under 18
- Someone else drives your motorcycle
- You bought the bike as a gift for someone
Motorcycle Insurance Through Pronto Insurance
Any time a vehicle is being driven on the road, it’s necessary to have motorcycle insurance to stay on the right side of the law. It’s important, though, to point out that some auto insurance companies may be wary of insuring customers without a license. They feel this is risky because it may be happening, so an unlicensed rider can be on the road, perhaps after their license was suspended or revoked for poor driving.
When asking yourself, “Can you get motorcycle insurance without a license?” it may seem impossible. It is not! You simply need to shop around to find a motorcycle insurance company for unlicensed drivers.
