Can you get car insurance without a license?

Having a valid driver's license is a crucial step toward getting car insurance. Your driver’s license allows insurance companies to access and assess your driving record. Insurance companies use your road résumé to predict the risk you pose and how much they should charge for their protection. However, there are some ways to get car insurance without a license. 

 

Getting auto insurance without a license
  1. Can you buy a car without a license?
  2. Where to get car insurance without a license
  3. Frequently asked questions
  4. Additional resources

 


 

Buying a car without a license

Before you get car insurance, you need to find a car. It is legal to purchase a car without a valid license, but the process is easier if you have a driver's license. Some car dealerships strictly enforce proof-of-insurance driver's license regulations. Some auto dealers require a photocopy of your insurance card and driver's license before allowing you to take a test drive. Others are more focused on their sale than your legal ability to drive. It depends on the individual dealership's protocols.

It’s much easier to buy a vehicle without a license than it is to purchase insurance coverage with no license, as the dealership forgoes responsibility after purchase. The more complicated step is getting insurance with no driver's license.

 


 

Buying auto insurance without a license

It will be difficult — and potentially expensive — to purchase car insurance without a valid driver’s license. Car insurance companies see risk in an unlicensed driver, regardless of your reason for being unlicensed. Some insurance companies will cover you if you have a state-issued ID card. Your best bet for finding insurance is to speak with a local independent agent. These agents are licensed to write auto insurance policies for different insurers and could be familiar with local companies that issue no-license car insurance. Consult as many agencies as possible, as rules and procedures may vary.

It's best to be truthful regarding your license status when getting a car insurance quote. An insurer will run a Motor Vehicle Report (MVR) when calculating your premium. An MVR details your driving history. If you use a fake or invalid driver's license number, it will register on your MVR. The insurance company could drop you, forcing you to start over again. While it may be difficult to find auto insurance without a license, you can save yourself time and trouble by being upfront about your driving situation.

If you're having a hard time finding car insurance without a license, call us at 888-444-2833 or click below to speak to an agent. Our licensed insurance agents can quote unlicensed drivers from many different carriers across the US in order to get you insured.


Get quotes without a license!

Car insurance without a license: FAQs

 

Can I buy a car and insure it under someone else’s policy?

Yes, as long as you share an address with the primary policyholder, you are specifically named on that policy, and the insurance company is okay with your unlicensed status or license suspension. You may have a hard time finding an insurance carrier if your driver's license isn't valid.

 

Should I still maintain my car insurance if I no longer have a license but still own a car?

To avoid being penalized with higher rates due to a lapse in coverage, consider maintaining state minimum liability coverage on the vehicle, even if you can no longer drive. As long as the car is registered, it must be insured.

 

How do I get car insurance if I can’t drive or don’t have a license but someone else will drive me around?

Shop for your own car insurance policy and add your primary driver to it. Then make yourself an excluded driver — meaning that you won't be covered to drive under your own policy.

 


 

Additional resources

 

Compare car insurance rates today!

Location pin icon
Your information is secure.

Recent Questions:

How to Get Car Insurance with No License

Can I purchase a car and put it on my mom’s insurance if i don’t have a license?

You can add the car to your mom's policy as long as you are listed as a driver on the policy. Not all companies will insure you with a suspended license.

Risk of assets for separate car insurance policy

Although you have separate car insurance policies, your mutual assets would still be at risk because you are married. Your husband's car insurance would be the one to pay for the damages but if the damages exceed his policy limits for liability then your husband would be responsible for the remaining damages.

My 17yo son lost his license, what do I do with the insurance?

The decision will ultimately be determined by the policy rules of your insurance company. Because he won't be driving for 6 months but is of driving age, your best bet would be to see if you could "exclude" him from your policy for the duration of his suspension.

Can I still get car insurance if I'm not licensed and can't drive?

What you would need to do is have a policy written in your name, add the person who drives you around, and have yourself excluded from the policy. So the policy would basically be yours but you aren't covered as a driver so you shouldn't impact the rate as a driver.