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Can You Get Insurance Without a License?

You can buy car insurance with no driver’s license, but it's not so simple. Here's how to get unlicensed insurance.

Can you get car insurance without a license? It’s possible.

Most insurance companies ask for a driver’s license when reviewing a driver, however. But you can get insurance with no license by listing yourself as an excluded driver or listing another person as the primary driver.

This article also covers:

How Do You Buy Car Insurance Without a Driver’s License?

Some insurers may cover you without a license in one of two situations:

  • You list yourself as an excluded driver on the policy
  • You list someone else as its primary driver

So, if you drive a car and damage it or injure yourself, your policy won’t bail you out if you’re listed as an excluded driver. At that point you’re essentially paying for a policy that doesn’t cover you. But since you’re unlicensed, you’re not legally allowed to drive the car to begin with.

As for who to list as your policy’s primary driver, it should be the person who will drive your car the most. This could be your spouse, a child, some other relative, or a roommate.

A few things to keep in mind here:

  • Not all insurance companies will let you list yourself as an excluded driver on an auto policy. You’re better off shopping through QuoteWizard or an independent agent.
  • Some states don’t allow insurers to write policies with exclusions. That includes Kansas, Michigan, New York, Virginia, and Wisconsin.
  • Insurers will base your rates on the person you list as your policy’s primary driver. In other words, they’ll use his or her age, driving record, and other factors to determine what you’ll pay for car insurance in this situation.
  • Don’t try to game the system by listing someone as a primary driver who won’t actually be the main user of the vehicle. And don’t offer up a fake or invalid driver's license number either. You won’t get away with it.
  • If all else fails, think about changing your vehicle’s registration to make your primary driver a co-owner. That alone may solve all your problems.

Which Companies Sell Auto Insurance for Unlicensed Drivers?

Most “big name” insurance companies typically will refuse to sell you auto coverage in this case. That means companies like Allstate, GEICO, Progressive, and State Farm won’t cover you if you don’t have a driver’s license.

You’ll have much better success approaching smaller companies about buying insurance without a license.So, start by contacting local, regional insurers. Ask if they sell policies to unlicensed drivers or car owners.

If you strike out there, contact independent agents or brokers in your area. They may be able to help. Or they may be able to direct you to another agent, broker, or company that can help you in this way.

Don’t completely write off the national carriers mentioned earlier either. It won’t hurt you to reach out to at least a few of them and see how they respond.

How to Get Cheap Car Insurance If You Don’t Have a License

What you pay for car insurance with no license depends on who you list as the policy’s primary driver.

If that person has a good driving history, your rate should be lower. If he or she has tickets and accidents on their record, your rate will be higher.  

To get the best car insurance coverage at the best rate here, try to find a few companies that’ll sell you a policy without a driver’s license. Then compare quotes from them.

Why Some Companies Won’t Insure Unlicensed Drivers

Even when they can do so, many companies don’t like to sell car insurance to people without a license.

Why? One reason is they 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 figure out what they should charge you for a policy.

Another reason is a lot of them view people who don’t have licenses as riskier customers than those who do have them. Part of this is due to their worry that you, the excluded driver, will use the car anyway and that they’ll have to pay for it if you get into an accident.

Although it’s true they legally shouldn’t have to cover excluded drivers, that hasn’t always held up when those same drivers take insurers to court.

Why People Buy Car Insurance Without a Driver’s License

There are all sorts of reasons someone might want or need to buy car insurance even though they don’t have a license. Here are some of the most common:

  • You own a car and don’t drive but your spouse or kids do
  • You’re working on getting a driver’s license
  • You’re no longer able to drive your car because of health or other issues
  • 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 car insurance lapse

Can You Get Car Insurance with a Suspended License?

Yes, you can. But buying suspended license insurance is different than insurance without a license.

States usually suspend a driver’s license after he or she is caught driving under the influence or driving without insurance. To get back on the road, they often need to get SR-22 insurance. It’s usually more expensive and comes with state fees.

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