Can You Buy a Motorcycle Without a License? Yes Use Cash

man in black leather jacket riding black motorcycle during daytime

Can you buy a motorcycle without a license?

Owning (or buying) a motorcycle and riding one on public streets sets the difference. Some dealerships will not require you to show your license when buying a bike. However, to ride a motorcycle without a license and a riding permit is illegal, and you could be subjected to fines and penalties. 

Let me clarify that if you’re buying a motorcycle in cash, it’s possible to do it even if you have no license. However, if you’re getting one via a loan, a driver’s license (which has your photo and personal information on it) is required by the bank. 

What if I only have a learner’s permit? 

A learner’s permit is not a driver’s license. Therefore, the scenario is the same as buying a motorcycle without a license. However, the learner’s permit will allow you to legally ride your motorcycle home for the first time. In fact, it’s highly recommended to get a learner’s permit before you buy a motorcycle. Otherwise, you will have to ask someone to ride it from the dealership to your home (or just have it delivered). 

How to Get Your Motorcycle License

Before heading to the DMV for a driver’s license, you should first check your local laws for the proper requirements. There is no single standard for all states. You can then use your time to find a good review book on the state you want to get a license. This way, you can prepare for the upcoming test.

You may have thought that the test was not crucial for motorcycle riding, but now that you know its importance, you should learn as much as possible to pass it. This includes getting the correct type of training and studying hard to prepare.

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You should look at laws and take some riding lessons if you decide that this is the correct route. Practice your skills, especially low-speed maneuvering, and once you are comfortable with them, go for your first long ride.

What about Insurance? 

While it may be possible to buy a motorcycle without a license yet, the purchase isn’t the only thing you need to worry about. Owning a vehicle is a huge responsibility. Part of that responsibility is being aware that accidents can happen at any time. It is your responsibility to ensure that you have coverage if it happens. 

When purchasing insurance, you will be required to present an ID, which should be your driver’s license. Insurance companies use driving records as the basis for their rates, so you might find it challenging to find an insurance provider who will not ask for your driver’s license. 

What are my alternatives?

1. Naming a Primary Driver is the next best option. This means that you will be using another person’s name (e.g., your parents) to get insurance for the motorcycle you will purchase. 

2. Excluding yourself. This means you are not including yourself in the insurance policy. In case an accident happens, you will not get any coverage. However, this does not excuse you from driving without a license, which is an offense. 

3. Waiting for the insurance. This means you will get insurance once you pass the test and obtain your license. 

Driver’s License Requirement

Legally speaking, motorcycles are no different from a car. It’s an essential requirement to register your vehicle with the DMV, which, in turn, will give you permission to hit the road on your motorcycle. That permission also means you have completed a course (Driver’s Education) and that you have successfully earned the right to have a license and drive a vehicle. 

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Riding a motorcycle comes with an inherent risk. That’s why part of your responsibility as a motorcycle owner and rider is to keep yourself covered. By this, I mean via insurance coverage and physically by wearing a helmet, riding gear, gloves, and boots every time you’re out riding. Of course, it depends on the regulation within your state. For example, in Florida, motorcycle riders are not required to wear a helmet if (1) they are over 21, and (2) their insurance coverage is more than $10,000. In California, wearing a helmet is mandatory regardless of coverage. They always require contingencies for property damage and injuries suffered by others. 

But why risk it?

Sure, motorcycle riding is your passion, but risk and danger should not be. It would be nice to enjoy motorcycle riding for many years without having to keep looking over your shoulder and worrying about cops who could cite you for different things. One of them is driving without a license. 

There’s no better way to avoid a ticket than following these simple steps. First, be responsible. Don’t be a speeder, and don’t break traffic laws. Then, get the license. Drive safely and obey the speed limit. Lastly, and most importantly, make sure to have comprehensive insurance

How Much Does It Cost to Get Insured Without a License?

Insurance companies often charge more for those who put themselves at an increased risk. That’s how insurance companies will consider you – an increased risk – for riding your motorcycle without a license. As such, you will be paying a hefty premium if you want to be insured. 

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What you use the bike for and how you ride will impact how much this insurance will cover you. Indeed, if you depend on public roads and into the risky type of riding, you will be paying more for the coverage.


As a rider, it is your responsibility to know what you are legally allowed to do and not. If you are a rider and you are not aware of the law, you will have to pay the consequences of your ignorance (or hardheadedness). I hope this information will help you make the right decision, but ultimately, it is up to you to choose. Ride safe out there, and thanks for reading.