Can you get auto 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. Considerations
  5. 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.

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Car insurance without a license: FAQs


Can I insure a car 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 keep my car insurance if I own a car but no longer have a license?

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 don’t have a license and 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.



Insurance without a license: Considerations

Those who are looking for car insurance without a drivers license will have to go a step further than most policyholders. In some cases, it's likely that you will have to work directly with an insurance agent in order to get a policy. The Zebra has an in-house agency that can help. Call us at 888-444-2833 to speak with an agent who can help you find the policy that's best for you. 


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Recent Questions:

Car Insurance with No License

Can I still get insurance if my license is suspended?

While there are companies that will not insured a driver with a suspended license, there are many that will. Larger, more highly rated companies will not want to take on the risk of insuring someone with a suspended license but there are hundreds of companies that will provide coverage.

How do I get points on my license in CA?

To answer your first question, I wouldn't file a claim. Being the deductible is only a few hundred dollars, you would pay more in a rate increase after filing a claim than you would receive.

Do I need to report a DUI to my insurance company?

If you're planning on selling the vehicle and have no intention of filing a claim for the damage, you don't need to tell your insurance company about the incident. You can just remove it from your policy.

Is a social security number required to buy car insurance?

If you have a state ID, you can get insurance. However, most companies require you to get a license within a specific time frame, but not all.

Ava Lynch LinkedIn

Ava worked in the insurance industry as an agent for four-plus years. Currently providing insights and analysis as one of The Zebra’s resident property insurance experts, Ava has been featured in publications such as U.S. News & World Report, GasBuddy, and Yahoo! Finance.