Can You Get Auto Insurance Without a License?
You can get auto insurance with no license. While some auto insurance companies may refuse to provide coverage to someone without a license, there is no reason that an insurance company can't provide insurance coverage to someone without a license. Whether you have a driver's license, a learner's permit, or no license at all, it's possible to register and purchase insurance for any car you own.
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UPDATED: May 9, 2022
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- Many auto insurance companies will offer coverage to individuals without driver’s licenses
- Registering a car also doesn’t require a driver’s license in most states (but alternative identification is usually necessary)
- Anyone who plans to drive a car will need their state’s minimum amount of insurance coverage to do so legally
If you’ve found this article, the short answer to your question is fairly straightforward. Can you get insurance without a license? Yes. Whether you’re working on obtaining a license or are paying for another household member’s coverage, there are plenty of reasons to purchase auto insurance without a driver’s license.
But you may be looking for more than a quick answer to your question. And, if so, that’s great. We’re here to help you find out everything you need to know about purchasing auto insurance without a license. We’ll take a look at what you need to do to obtain auto insurance with no license, what auto insurance companies offer insurance to people without a license, and what coverage options are best based on your needs.
Looking for affordable auto insurance of any sort? Enter your ZIP code in our free online tool to compare rates and find coverage that’s right for you.
How can you purchase auto insurance with no driver’s license?
It may surprise you to learn that purchasing auto insurance without a license is actually quite simple. While it is generally more difficult to find auto insurance coverage without a license, many insurance companies will still sell you a policy. The best way to go about obtaining no license insurance is to contact insurance companies and explain your situation.
According to Kelley Blue Book, the idea that an auto insurance company will never sell auto insurance to someone without a license is actually a myth. While it’s true that not every auto insurance company will always offer insurance to unlicensed customers, insurance companies will often provide a policy if they’re able to meet the unlicensed individual’s coverage needs.
It may be easier to start your search with large auto insurance companies like State Farm and Progressive, but looking at smaller insurance companies in your area can also help you find the best rate.
It’s also important to keep in mind that just because you can insure your car doesn’t mean you can insure yourself as a driver. In most cases, you’ll need to list yourself as an “excluded driver” if you want to obtain auto insurance without a driver’s license. As an excluded driver, you won’t be insured to drive your car, meaning that if you’re behind the wheel in an accident, your insurance won’t cover the cost of the damages. Even if you obtain a driver’s license after insuring your car, your insurance company won’t cover you as long as you’re listed as “excluded” on your policy.
To change your status on an insurance policy, you should contact your insurance company and ask to be changed from an excluded driver to a “listed” or “rated” driver. Rated and listed drivers (different insurance companies use different terms) are covered by your auto insurance policy. Keep in mind that making this change will probably affect your insurance rates.
Can you register a car without a license?
Yes, you can register a car without a license in most states, but doing so may require you to provide an alternative form of identification. Likewise, you can own a car without insurance. But you can’t drive a car on the road alone without having both a driver’s license and auto insurance in virtually any state. (In New Hampshire, insurance isn’t required but it’s still strongly recommended.)
As someone without a license, there are only a few situations where it makes sense to register a car:
- You’re planning to obtain a driver’s license in the near future
- You’re registering a car that another member of your household will drive
- You’re registering a car that you intend to keep in storage (like a collector car)
- You’ve inherited or otherwise received a car that you aren’t licensed to drive
Regardless of why you’ve decided to register a car as someone without a license, the registration process should look more or less the same. In general, expect to provide some form of official identification, proof of ownership, and payment for any necessary fees when registering a car. Depending on your state, you may also need to have the vehicle go through an emissions inspection.
Do you need insurance to drive with a learner’s permit?
Yes, whenever you drive a car, you must have the minimum amount of insurance required by your state. This is true even if you’re learning to drive for the first time. Drivers under the age of 18 can obtain auto insurance coverage by being added to their parent or guardian’s policy. Likewise, if you’re a parent a guardian without a license, you may be able to provide coverage to a young driver by first purchasing an auto insurance policy and then adding them to said policy as a listed driver.
If you’re an adult driver, you should be able to buy insurance for any car you drive with just a learner’s permit. While you may only be required to obtain a minimal amount of liability coverage, you should also purchase comprehensive auto insurance and collision coverage to ensure that you don’t have to pay completely out of pocket to repair or replace your car if it’s damaged while you’re learning to drive.
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What sort of insurance should an unlicensed driver have?
What type of coverage you should purchase (and how much of it you need) depends entirely on why you want to obtain auto insurance as someone without a license. Maybe you’re currently learning to drive and want a standard full coverage policy from a major auto insurance company. Or perhaps you’re a classic car owner looking for insurance for unlicensed drivers that recognizes the true value of your collector vehicle.
Whatever your insurance needs, take a look at the table below for a comparison of the different auto insurance options available to you if you don’t have a driver’s license.
|Unlicensed car owner's situation||Ideal insurance coverage|
|Wants to protect a vehicle that's kept in storage (not a collector or classic car)||Comprehensive coverage|
|Wants to protect a classic/collector vehicle that's kept in storage (not driven)||Comprehensive coverage (preferably through a specialty insurance company)|
|Wants auto insurance for another household member or a caretaker||Full coverage (liability, comprehensive, and collision) with the appropriate household member listed as the primary driver on the policy|
|Has a learner's permit and plans to obtain a driver's license soon||Full coverage (liability, comprehensive, and collision) with the learning driver listed on the policy on their own or with a parent/guardian|
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What to Remember About Getting Auto Insurance Without a Driver’s License
- Many auto insurance companies will sell insurance policies to people without driver’s licenses. In most cases, you can obtain auto insurance without a driver’s license by listing yourself as an excluded driver on your policy
- Most states allow you to register a car without a driver’s license, meaning someone with no license can both own and purchase insurance for a car
- The type of insurance someone without a license should have depends on their particular situation. For example, if you own a classic car that you keep in storage, you’ll want comprehensive coverage from an insurance company that specializes in insuring collectors cars
Whether you’re purchasing insurance for another member of your household or want to protect a treasured collector car, you can lower your auto insurance rates by comparing all your options before deciding on a plan. Looking for the most affordable insurance coverage? Find out how much you could save on insurance by entering your ZIP code in our free online quote tool.