There are many reasons why you might want to buy a car even if you don’t have a driver’s license. But is it possible? You may be able to buy a vehicle without a license, but regulations are different in each state. In order to make the purchase, you will likely need to follow different steps than the typical buyer.
There are a number of reasons why buying a car without a license can make sense. Here are some common reasons for this type of vehicle purchase:
- Eventually you will get your license.
- You need the car for business purposes and someone from your team will drive it.
- You will hire a professional driver to drive you around.
- It’s a gift for someone who has a license.
Restrictions on buying a car without a driver’s license
Although it’s usually possible to buy a car if you don’t have a driver’s license, you may be subject to certain restrictions. Each state has different rules and laws. Therefore, limit your research to the state in which you intend to purchase and register the vehicle. In some states, a license is required to register a car. And even if the state allows you to buy a vehicle, you may face restrictions.
More work to register the car
When you buy a vehicle – whether new or used – you must register the vehicle and have the title transferred to your name. This process can be more difficult if you don’t have a license.
First, registering a vehicle requires some form of identification. Usually a license serves this purpose, but if you don’t have a license you need some other form of identification. You may also need to purchase insurance to register.
Additionally, some states may require a different registration process for vehicle owners who do not have a license. You may need to go to the registrar in person to complete the process.
Insurance can be more expensive
In order to drive your vehicle, you must have automobile insurance. And getting auto insurance can be more difficult if you don’t have a driver’s license. Some car insurance companies may not even allow you to buy insurance if you don’t have a driver’s license.
When you find an insurance provider that will cover you without a driver’s license, you will likely ask for the main driver’s information. If that person has an unfavorable driving record, insurance premiums could be higher than average.
Financing your purchase can be more difficult
Possessing a driver’s license is not technically required to get a car loan. However, you will usually need a photo ID. If you don’t have a driver’s license, you’ll need another government-issued photo ID to apply for loans.
4 steps to buy a car without a license
The process of buying a car without a driver’s license is quite similar to buying a car when you have a driver’s license. Just make sure you understand the requirements in your state.
1. Choose your purchase method
There are different ways to buy a vehicle. You can buy a brand new car from a dealer. Or you buy a used car. A used car can be purchased from a private individual or through a used car dealer. Decide what type of vehicle you want to buy and where to look for options.
2. Determine how you will pay for it
When buying a car, you can either pay for the vehicle in cash or finance the purchase with a car loan. A car loan allows you to spread the cost of the vehicle over time and gives you the opportunity to buy a car for which you don’t have the full amount of cash at the moment. However, taking out a loan means that you have to pay interest and loan fees in addition to the cost of the car.
If you pay cash for the car, you may not be able to afford all the options. However, you do not have to bear any additional financing costs and do not have to worry about the loan payments in the future.
3. Find a vehicle
Once you know your budget and where to look for vehicles, you need to find a vehicle. You can search for used cars for sale by individuals on platforms like Craigslist or Facebook Marketplace.
If you are looking to hire a dealer for a used car or a new car, look for dealers in your area that sell the type of car you want. It can be a good idea to shop from multiple retailers to find the best deal.
4. Transfer the title
When you find your car, you must transfer the title to your name. If you buy from a dealer, they usually do this for you. If you are purchasing from an individual, you must both visit the Registrar to transfer title. Keep in mind that the title requirements for buying a car without a license are different in each state.
Ways to buy a car without a license
Not sure if you want to deal with the hassle of buying a car without a license? There are a few other options you could try:
- Get your license. This eliminates any hurdles when buying a car without a driver’s license.
- Use public transport. Instead of buying a car, use public transport to get around.
- Use a ride-sharing service. Services like Uber or Lyft can help you get around. These can be costly if you use them frequently, but if you only need transport every now and then this could be a viable option.
- Ride a bike or walk. Great for your wallet and health, walking or cycling to get around can be an option if you don’t have to travel too far.
The final result
It is possible to buy a car without a license but you need to know the regulations in your particular state. Understand your needs and research your options. Once you know all of your options, you can decide the best way to proceed.