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While getting car insurance without a driver’s license is rare and may be difficult, it is not impossible. If you’re reading this article, you’ve likely run into one of these scenarios:
Auto Insurance For Unlicensed Drivers
If you want car insurance without a driver’s license, you’ll probably need to shop around with smaller, regional car insurance companies. It’s usually best to contact these companies in person or over the phone to explain your situation and get a more accurate quote.
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If you don’t want to contact each company yourself, consider hiring an insurance broker or independent agent. Brokers and independent agents work with multiple insurers and can track down the best policies to suit your needs.
You’re unlikely to get coverage from the big insurance brands because most national insurers won’t give quotes to unlicensed drivers. They need your driver’s license number to check your driving history before deciding how big a risk you are, so even if you can get a quote, you’ll probably need to call and talk to someone.
Take note: As an unlicensed driver, insurance companies may consider you a “high-risk driver,” especially if you’re a new driver or have a recent DUI or other serious traffic violation on your record. Be prepared to pay higher premiums.
If you have recently been charged with a serious traffic violation or a series of violations, you will need the insurer to file an SR-22 form with your state on your behalf (you will be notified by the court or your state if you do. ). Also known as a “Certificate of Financial Responsibility,” this form is proof to your state that you carry the minimum amount of liability insurance required there. If you live in Florida or Virginia, you may need to file a different form called an FR-44 that proves you have specific, higher liability limits than the minimum.
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If you’re looking for auto insurance without a license and need to file an SR-22 or FR-44 form, your choice of insurance companies may be even more limited—not every company does this.
For more information about SR-22 forms and a list of insurers that specialize in covering high-risk drivers, see What is SR-22? Insurance after fault.
If you want to insure a vehicle that’s on the road, but you’re not the one driving it, you’ll need to designate someone else as the “primary driver” on your policy.
A primary driver is the only person who will drive your car the most. You can designate anyone as the primary driver, as long as they have an active driver’s license or learner’s permit.
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The driving record, age and other personal details of all drivers listed on your policy will affect your auto insurance rates. So even if you have insurance, if you cause an accident, you’ll have to foot the bill for any damages (on top of any legal consequences for driving without a license).
Your auto insurance rates will be affected by the driving record, age and other personal details of all drivers listed on your policy. So if your primary driver is a teenager or has a driving record, expect to pay more for car insurance. Read Why is my car insurance so high? For more factors affecting rates.
Make sure you add anyone else who drives your car to your policy. Additional drivers (sometimes labeled “occasional” drivers) are all other non-primary drivers who regularly use your vehicle. Anyone who lives with you with a license should usually be added to your policy whether or not you drive your car. When in doubt, check with your insurer.
If you don’t have a license but own a car that is parked or in storage, consider getting comprehensive-only insurance, also known as “parked car insurance” or “car storage insurance.” This insurance reimburses you for damages caused by events beyond your control, such as someone stealing your car or your windshield being damaged by a freak hailstorm. It does not cover you for driving-related accidents.
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If you want to avoid a lapse in coverage and you know you won’t be driving for a while, parked car insurance can be a good option. Since you are only paying for comprehensive insurance on the parked car, this policy will be cheaper than if you bought full coverage car insurance.
Take note: To qualify for parked car insurance, some companies may require your car to be in storage for a certain amount of time (usually 30 days) beforehand.
Yes You can get car insurance without a license, but you’ll likely have to jump through more hoops than licensed drivers. Finding an agent or broker can be helpful. Some common ways to get insurance without a license include shopping with smaller, regional companies, making someone else the primary driver on your policy, excluding yourself as the driver, and getting parked car insurance.
In most cases, yes. Whether you’re a brand new driver, had your license suspended or revoked due to traffic-related violations, or just took a break from driving and might be a little rusty—in the eyes of insurers, you’re a risk to cover.
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Should I get auto insurance if I don’t have a license to prevent at-fault coverage?
That depends. Insurance companies raise rates for drivers with at-fault coverage because they are considered risky to insure. But how high depends on the insurance company and the length of your gap. Since this is likely a very personal scenario, your best bet is to speak directly with an insurance broker or agent.
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Brandon Freddie has been a licensed insurance agent and insurance office manager since 2018. He has experience working in positions ranging from retail to finance, cashier to management, but Brandon didn’t start working in the insurance industry until he really realized it. Home in your career. In his day-to-day interactions, he aims to live up to his business philosophy in how he acts.
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If you don’t have a driver’s license, you may not be able to get insurance coverage for your vehicle. Fortunately, some companies will allow people without a driver’s license to get car insurance under certain circumstances.
To find the best auto insurance companies in your area that offer coverage to people without a driver’s license, you should shop online and compare quotes. Doing so will help you determine which company offers you coverage for the best value.
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You can get auto insurance without a license, although why you are without a license can determine whether you qualify for coverage with most insurance providers.
Still, it is possible with some companies to find auto insurance without a driver’s license. Having proper insurance on your vehicle does not mean you are not allowed to drive. You will not be able to drive an insured car unless you have a valid, US-issued driver’s license.
Since many companies do not offer coverage to anyone without a license, you will likely have to do your research to find a good company willing to cover you. However, there are some things you can do to figure out how to get auto insurance coverage quickly.
If you are suspended
