Auto Insurance for Unlicensed Drivers (Rates & Discounts)

In some states, you can get auto insurance for unlicensed drivers with a state issued-ID card. However, not having a license is considered high-risk by some companies. One of the easiest ways to get unlicensed driver auto insurance is to be added to an existing policy. In some cases, you may need SR-22 insurance to get auto insurance with no license, which many insurance companies can provide. Affordable auto insurance for unlicensed drivers doesn't have to be impossible to find.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Feb 11, 2021

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What You Should Know

  • There are options for getting coverage if you are unlicensed but still need auto insurance, including purchasing a policy that lists someone else as the primary driver.
  • As an unlicensed driver, you may be considered high-risk and incur higher insurance rates.
  • There are a number of reasons you may want insurance coverage if you are unlicensed, including protecting vehicles you have no plans to drive.

Can you get auto insurance without a license? Or will the insurance company block your request? We’ll explain everything you need to know about auto insurance for unlicensed drivers.

You will learn more about whether you can get auto insurance with no license, reasons why you might want or need to, basics to help you understand auto insurance in your situation, and more.

To compare auto insurance quotes for unlicensed drivers, enter your ZIP code into our free tool below.

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Auto Insurance and Unlicensed Drivers

You may have a lot of questions. Can you get insurance without a license? If so, how can you purchase it? What is the cheapest auto insurance company for unlicensed drivers? Is unlicensed driver auto insurance necessary?

Do all drivers need insurance?

If you are planning to drive a vehicle, it needs to be insured. Insurance is legally required in every U.S. state except for New Hampshire and the Commonwealth of Virginia.

It’s unlawful to drive a car without a current license. A first-time offense for an unlicensed driver is normally a minor violation, but penalties increase in severity if they continue to occur.

Some licensed drivers buy insurance even if the title is not in their name. For example, if you frequently drive a friend’s vehicle or let friends drive your car and want extra protection, you definitely want to purchase coverage.

Insurance companies also like to see continuous coverage on your vehicle, which is why some drivers maintain insurance coverage even when between vehicles.

Can you get auto insurance without a license?

There are a few different ways to potentially get auto insurance without a driver’s license, which we’ll discuss in the next few sections.

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How can you get auto insurance with no license?

Auto insurance for non-licensed drivers can usually be purchased under a policy in which someone else is listed as the primary driver.

Should you buy a policy with someone else listed as the primary driver?

One of the easiest ways to buy auto insurance without a license is to buy auto insurance with someone else listed as the primary driver.

You might own a car but have no license, for example. You can still insure the vehicle for when your spouse, child, or friend drives the vehicle, even if you don’t intend to be the primary driver yourself. This way, your vehicle is protected from risk, and you may be able to legitimately purchase auto insurance without a valid driver’s license.

If listing someone else as the primary driver, you need to make sure the address is accurate. List the address where the car is garaged most of the time. If you report an incorrect address, your auto insurance claim could be denied.

Who’s allowed to be the primary driver on an auto insurance policy?

Typically, the primary driver on an auto insurance policy will need to be someone who uses the vehicle regularly. To determine the primary driver,  you can also consider factors like age, driving experience, and driving record, as this can affect insurance rates.

Should you list yourself as an excluded driver?

If your license is invalid or non-existent, your insurance company might refuse your application.

However, you may be able to get around this by listing yourself as an excluded driver on your policy. You can buy auto insurance and list someone else as a primary driver, then exclude yourself from driving the vehicle.

Under this system, you are not allowed to drive the vehicle at all. If you do, you will be held liable for any damages and could face severe penalties if pulled over.

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Will insurance companies ask for my driver’s license number?

Do you need insurance to get a driver’s license? No, the DMV doesn’t require proof of insurance to get your license.

When you start applying for auto insurance quotes, you may find that many applications ask for your driver’s license number. Even if the application doesn’t ask for your license number, the insurer will still check your driving record and request a copy of your driving history from your local DMV.

If your insurance company cannot find a driving record, or if you cannot provide a driver’s license number, your application may quickly run into issues. The insurer may refuse to process your application, or your request for auto insurance may be denied.

However, there are still ways to get coverage for an unlicensed driver.

Where can you get auto insurance without a license?

You may have searched, “no license auto insurance near me,” online and had no luck. Finding auto insurance as an unlicensed driver can be complicated because you’re often automatically considered high-risk.

However, some companies are still willing to sell policies that cover an unlicensed driver. You’ll just need to shop around to find companies that are willing to work with you.

One way to do this is to reach out to independent agents in your area. They should be able to tell you which companies are options.

What is the cheapest auto insurance with no license?

We don’t have exact rates, but the best way to find the cheapest auto insurance if you don’t have a driver’s license is to start by finding out which companies will sell you a policy, as we described in the last section.

Once you know who you can purchase coverage from as an unlicensed driver, you should get quotes from each company so you can compare rates to find the most affordable coverage.

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Why should you buy auto insurance if you don’t have a driver’s license?

Buying auto insurance without a driver’s license may seem like a strange concept. However, there are plenty of reasonable instances where someone may need to buy no-license auto insurance even if they don’t have a valid license:

  • You own a vehicle, want to protect that vehicle when others are driving, but don’t plan to drive it yourself
  • You don’t drive but other people drive you around to weekly appointments
  • Friends or family regularly borrow your vehicle and you want to protect that vehicle
  • You own a vintage or classic vehicle that you don’t drive but still want to protect
  • Your license was suspended after multiple DUIs, at-fault accidents, or similar incidents
  • You are driving with an expired license and you didn’t renew it
  • You never went through driver training or received a driver’s license
  • You are a student driver or hold a provisional license or learner’s permit
  • You plan to drive illegally (without a valid license) but still want auto insurance coverage

For all of these reasons, it’s feasible that somebody without a driver’s license may want to insure a vehicle. But be careful with letting someone else drive your vehicle.

For instance, let’s say you’re an unlicensed driver in San Antonio, Texas, and you allow your friend to drive your car to the San Antonio River Walk, windows down, and music blaring. If you find out afterward that your friend is also an unlicensed driver who crashed your car, they won’t be covered under your policy.

If the vehicle will be driven at all, your state requires you to have at least a minimum level of liability insurance. Search for your state below to see what the limits are for your state, as compiled by the Insurance Information Institute.

Minimum Liability Auto Insurance Requirements by State
StateAuto Insurance Required in the StateMinimum Liability Coverage Limits
AlabamaBI & PD Liab25/50/25
AlaskaBI & PD Liab50/100/25
ArizonaBI & PD Liab15/30/10
ArkansasBI & PD Liab, PIP25/50/25
CaliforniaBI & PD Liab15/30/5
ColoradoBI & PD Liab25/50/15
ConnecticutBI & PD Liab, UM, UIM25/50/20
DelawareBI & PD Liab, PIP25/50/10
District of ColumbiaBI & PD Liab, UM25/50/10
FloridaPD Liab, PIP10/20/10
GeorgiaBI & PD Liab25/50/25
HawaiiBI & PD Liab, PIP20/40/10
IdahoBI & PD Liab25/50/15
IllinoisBI & PD Liab, UM, UIM25/50/20
IndianaBI & PD Liab25/50/25
IowaBI & PD Liab20/40/15
KansasBI & PD Liab, PIP25/50/25
KentuckyBI & PD Liab, PIP, UM, UIM25/50/25
LouisianaBI & PD Liab15/30/25
MaineBI & PD Liab, UM, UIM, Medpay50/100/25
MarylandBI & PD Liab, PIP, UM, UIM30/60/15
MassachusettsBI & PD Liab, PIP20/40/5
MichiganBI & PD Liab, PIP20/40/10
MinnesotaBI & PD Liab, PIP, UM, UIM30/60/10
MississippiBI & PD Liab25/50/25
MissouriBI & PD Liab, UM25/50/25
MontanaBI & PD Liab25/50/20
NebraskaBI & PD Liab, UM, UIM25/50/25
NevadaBI & PD Liab25/50/20
New HampshireFR only25/50/25
New JerseyBI & PD Liab, PIP, UM, UIM15/30/5
New MexicoBI & PD Liab25/50/10
New YorkBI & PD Liab, PIP, UM, UIM25/50/10
North CarolinaBI & PD Liab, UM, UIM30/60/25
North DakotaBI & PD Liab, PIP, UM, UIM25/50/25
OhioBI & PD Liab25/50/25
OklahomaBI & PD Liab25/50/25
OregonBI & PD Liab, PIP, UM, UIM25/50/20
PennsylvaniaBI & PD Liab, PIP15/30/5
Rhode IslandBI & PD Liab25/50/25
South CarolinaBI & PD Liab, UM, UIM25/50/25
South DakotaBI & PD Liab, UM, UIM25/50/25
TennesseeBI & PD Liab25/50/15
TexasBI & PD Liab, PIP30/60/25
UtahBI & PD Liab, PIP25/65/15
VermontBI & PD Liab, UM, UIM25/50/10
VirginiaBI & PD Liab, UM, UIM25/50/20
WashingtonBI & PD Liab25/50/10
West VirginiaBI & PD Liab, UM, UIM25/50/25
WisconsinBI & PD Liab, UM, Medpay25/50/10
WyomingBI & PD Liab25/50/20
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To better understand the information in this table, we’ve summarized the acronyms and abbreviations below.

Auto Insurance Abbreviations and Acronyms
AbbreviationAuto Insurance Type
BIBodily Injury
PDProperty Damage Liability
PIPPersonal Injury Protection
UMUninsured Motorist
UIMUnderinsured Motorist
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If you’ve financed the vehicle — or if you have a newer or valuable car — you’ll also want to add collision and comprehensive coverage to your policy.

SR-22 Forms, Unlicensed Drivers, and Auto Insurance

SR-22 insurance is a high-risk type of auto insurance certificate. Some drivers may require SR-22 insurance. If your license was suspended after multiple DUIs, for example, then you may be required to get SR-22 insurance. Without SR-22 insurance, your license is invalid.

SR-22’s are sometimes referred to as FR-44’s in some states, but the requirements are a little different. It’s best to check with your state’s DMV if you have questions about the specifics related to SR-22’s for you.

The Texas Department of Public Safety notes that you must have an SR-22 as a high-risk driver to verify that you have insurance on your vehicle.

This can be issued by most insurers and shows proof that you have the minimum required amount of liability coverage on your car.

Insurers will automatically notify the state department when the status of an SR-22 changes (ex. a cancellation).

Compare SR-22 insurance quotes in your region. This type of insurance can be very expensive, and some providers may turn you down if you’re unable to prove you have a license.

Other insurers, however, will be happy to accept a suspended license as long as you can provide the original driver’s license number.

Can you buy a car without a driver’s license?

If you’re shopping for auto insurance without a driver’s license, then you might also be shopping for cars. So can you really buy a car without a driver’s license?

You might be able to buy a car without a valid driver’s license, but you could run into significant issues. And what about financing a car with no driver’s license? Some car dealerships will refuse to sell you a car without a valid driver’s license, for example.

Many car dealerships require proof of insurance. If you were able to buy auto insurance without a driver’s license, then you may be able to buy a vehicle without ever showing your driver’s license.

If you financed your vehicle, lenders reserve the right to put force-placed insurance on your vehicle if you didn’t buy the appropriate amount of auto insurance coverage on your own.

Generally, reputable dealers will make it difficult to buy a car without a driver’s license. However, you should be able to find plenty of used car dealerships and similar companies in your area that may be more flexible with license requirements.

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Auto Insurance for Unlicensed Drivers [Updated + Insurance Requirements]: The Bottom Line

There are plenty of situations where an unlicensed driver might want to buy auto insurance. Some people don’t drive their own vehicles, for example, but still want to protect what they drive.

Cheap auto insurance for unlicensed drivers doesn’t have to be hard to find.

Complete auto insurance applications today. By listing someone else as the primary driver, or by listing yourself as an excluded driver, you should be able to buy auto insurance without a valid driver’s license.

Frequently Asked Questions: Auto Insurance for Unlicensed Drivers [Updated + Insurance Requirements]

Still have questions about getting auto insurance for unlicensed drivers? Read these frequently asked questions for more.

#1 – How do I get auto insurance with a suspended license?

If your license has been suspended, you’ll be considered a high-risk driver. Some companies won’t sell you coverage as a result, and those that do will likely charge you higher rates.

Additionally, you’ll typically be required to obtain either a restricted license or an SR-22 in order to get insurance coverage with a suspended license.

#2 – How do I add a named or primary driver to my policy?

In general, all you need to do is call your insurance agent and ask them to add another driver to your policy. Keep in mind, however, that depending on the driver and their record on the road, this may affect your insurance rates.

Are you ready to buy auto insurance for unlicensed drivers but unsure where can you get auto insurance without a license? You can enter your ZIP code in our free tool to get multiple auto insurance rates for unlicensed drivers and find the best option for you.

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