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Can You Get Car Insurance Without a License?

You can get car insurance without a driver’s license, but finding an insurer that will sell it to you could be tough.

Yes, you can get car insurance without a driver’s license. You may not be able to get it easily, though. You might have a hard time getting it cheaply, too.

Why can it be difficult to get car insurance without a license? One reason is insurance companies use your license number to look into your driving history. That helps them figure out if you’re a good or bad driver. And that helps them decide what they should charge you for a policy.

Insurance companies also tend to view people who don’t have licenses as riskier customers than those who do have them. This is partly because they worry that these unlicensed drivers will use their cars, leaving the insurer to pay for damages if an accident occurs.

As for why people get car insurance with no license, there are several reasons for that, too, including:

You have a vintage, collectible or classic car that you don’t drive.

You own a car and don’t drive, but your spouse or kids do.

You’re a teen driver with a learner’s permit who can’t be added to a family member’s policy.

You’re no longer able to drive your car because of health or other issues, but a caregiver drives you wherever you need to go.

You have a chauffeur or someone else who drives you wherever you need to go.

You’ve had car insurance in the past and want to avoid a coverage lapse.

In this article, you will learn more about the scenarios above, plus:

How can you get car insurance without a license?

To get car insurance without a driver’s license, you’ll probably need to buy a policy and list someone else as the primary driver. You may need to list yourself as an excluded driver, too.

If an insurer requires you to list someone else as the primary driver on your policy, it should be the person who will drive your car the most. This could be your spouse, a child or some other relative. It could even be a roommate.

If an insurer requires you to list yourself as an excluded driver, your policy won’t cover you if you drive your car illegally and damage it or injure someone else.

Here are a few other things to keep in mind while shopping for auto insurance without a license:

  • Not all insurance companies will let you list yourself as an excluded driver on an auto policy.
  • Several states don’t allow insurers to write policies with exclusions — Kansas, Michigan, New York, Virginia and Wisconsin.
  • An insurer will base the price of your policy on the person you list as its primary driver. This means they’ll use their age, driving record and other rate factors to calculate your premium in this situation.
  • Don’t lie and list someone as a primary driver who won’t actually be the main user of the vehicle. Don’t offer up a fake or invalid driver's license number either. You won’t get away with it.
  • If all else fails, consider making your policy’s primary driver a co-owner of your vehicle. That may solve your problems in this situation.

Where can I get car insurance without a license?

A lot of companies won’t sell you car insurance without a driver’s license. This is especially true if you try to buy coverage from a big, national insurer like State Farm or Allstate.

In fact, all of these companies typically refuse to sell car insurance to people who don’t have a license, or they limit doing so to certain, uncommon situations:

  • Allstate
  • Liberty Mutual
  • Nationwide
  • Progressive
  • State Farm

You’ll likely find more success getting car insurance without a license from a regional or local insurer than from a well-known brand.

Independent agents or brokers in your area may be able to help you get car insurance without a license, too. And if they can’t help, they might be able to direct you to an agent, broker or company that can help you get unlicensed insurance.

Don’t completely write off the national carriers mentioned earlier either. It won’t hurt you to ask a handful of them if they’ll sell you car insurance without a driver’s license.

Where can I get cheap car insurance with no license?

You’ll probably have to shop around quite a bit to find cheap car insurance without a license.

This is because you’ll probably have a hard time finding a company that will sell you car insurance without a license, period. As such, finding a company that will sell you cheap car insurance without a license should be even harder.

To get cheap car insurance without a driver’s license, make sure the person you list as your policy’s primary driver has a good driving record.

What you pay for car insurance without a license depends on who you list as the policy’s primary driver.

  • If that person has a good driving history, you’ll likely get a lower rate. 
  • If that person has tickets and accidents on their record, you’ll likely get a higher rate.

Can you get car insurance with a suspended license?

Yes, you can get car insurance with a suspended driver’s license. Buying insurance with a suspended license isn’t the same as buying insurance without a license at all, however.

States usually suspend a driver’s license after someone is caught driving under the influence or driving without insurance.

To get back on the road, people with suspended licenses often need to file an SR-22 form with their state.

An SR-22 form — or SR-22 insurance, as some call it — proves high-risk drivers are carrying the minimum amount of auto insurance their state requires.

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