Can You Buy A Car Without A License?

Dustin Hawley | Apr 05, 2021

Owning a car can be about so much more than just driving. With this in mind, there are situations in which an individual without a driver’s license would be interested in buying a car. While you may have to endure a more arduous process, there is no legal restriction on purchasing a car without a license.

buying a car without a license

How To Buy A Car Without A License - Find the best car deals!

A driver’s license grants you legal authorization to operate a motor vehicle. But the lack thereof doesn’t have any bearing on your ability to own a vehicle. 

As long as you have a valid, government-issued photo ID and the finances necessary to acquire the vehicle, you can legally buy a car. However, without a driver’s license and insurance, you cannot legally drive a car. In this instance, some buyers may negotiate terms and arrange to have the vehicle delivered to them. 

But bear in mind, a brand new vehicle has never been insured. This means that if you purchase a car without a license or insurance, the car would need to be transported by tow truck delivery. It may be an option for some, but it is a more complex and expensive endeavor than traditional car buying methods.

If you are purchasing the car from a private owner, they may allow your friend or family member to drive the car back for you. If there are concerns about the insurance, they may even be willing to drive it personally instead.

How To Obtain Car Insurance - Find the best car deals!

To legally operate a motor vehicle, a driver must be insured. But the problem with getting car insurance is that most companies require you to present a valid driver’s license in order to get a policy. Without one, you will not be able to get insurance by yourself. In this situation, the only way to get your car insured is to have a friend or family member provide their information, effectively putting the insurance in their name. 

If you choose to use this option, calculate the premium and try to find a friend or family member with a good driver’s record to minimize additional costs. Having car insurance will allow you to get the vehicle from the dealership or private owner to your home with the assistance of a licensed driver.

Registering A Car Without A License - Find the best car deals!

To register your new car, the DMV requires you to present proof of insurance and a driver’s license. However, because you’re not able to get either, the vehicle must be registered in another person’s name. To do so, it will require you to share ownership with them.

In light of this fact, you want to choose someone you have a close relationship with, like a spouse, family member, or a very close friend. Remember, this person will have equal ownership of the vehicle, so you want to pick someone you trust to prevent your car from being legally taken out of your possession. 

When filling out the contract, you have a choice of writing ‘and’ or the word ‘or’ between the names of the owners. 

Placing ‘and’ indicates that the vehicle can’t be sold or transferred without both parties’ agreement. If you put ‘or’ its grants either party the legal right to sell the vehicle, without requiring the other person’s consent. There is certainly more risk involved with this agreement, but the benefit is that the family member or friend won’t have any obligations if you plan on selling the car in the future.

Buying A Car With A Learner’s Permit - Find the best car deals!

If you don’t have a driver’s license, having a learner’s permit can significantly help you in the process of purchasing a vehicle. 

Obtaining insurance with a learner’s permit can be challenging but not impossible by any means. Some companies are willing to insure drivers with a learner’s permit, but it usually comes with strict conditions and an increased cost. A learner’s permit allows you to drive as long as there is a licensed driver in the passenger seat. Therefore, if you wanted to buy a car and test drive it first, even without a license, you could test drive the vehicle before the purchase as long as you have your learner’s permit.

How To Get Financing - Find the best car deals!

The policies on financing customers without a driver’s license vary between dealerships. Unfortunately, many will refuse to finance a person without a license for a variety of different reasons. But if you explain your situation, a salesperson may be willing to provide you with a financing plan. You will need to provide a government-issued ID and income statement, and if necessary, proof that the DMV has not suspended your license. 

When creating a financing plan, the salesperson will consider your credit score and the ability to pay the monthly installments.

Summary - Find the best car deals!

While buying a car without a license is entirely legal, it’s considerably more involved than buying one when you have a driver’s license. If you’re learning how to drive and looking to buy a car, consider waiting to get your license before making the purchase. However, if you have no intention of driving yourself, the information provided above will help you decide how to go about the process. 

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