Car Insurance Without a Drivers License

Amber P. July 21, 2020

Is it possible to get insurance with no license? If you do not have your license, and you want to get car insurance, it is possible, but not easy.

Insurance companies typically ask anyone applying for insurance for their driver’s license. But it is possible to get insurance without your license if you use another person as the primary driver, or you place yourself as an excluded driver on the policy. Here we will show you the steps on how you can get insurance.

How Do You Buy Car Insurance Without a Driver’s License?

If you do not have a driver’s license, there are two possible ways to still get car insurance.

  • The first possible way to get insurance is to list someone else as a primary driver.
  • Another way is to exclude yourself as a driver on the policy.


If an accident does occur, your insurance will not cover any damages or injuries if you are the driver that caused the accident. So, you are technically paying for an insurance, that will not cover you. Since you are not a licensed driver, you are not legally allowed to drive in the first place.

If you buy a car so that a friend or relative can use the car, you can purchase insurance, and place whomever will drive the car the most as the primary driver.

Keep in mind that:

  1. Most insurance companies will not allow you to exclude yourself as a driver. The best way is to check with Lowered Rates or to look for an independent insurance company.
  2. There are some states, that will not allow insurance companies to have exclusions in their policy.
  3. If you add someone else as a primary driver, insurance companies will use their information to determine your rate. So, if the primary driver is between 16-25 or has been in multiple accidents, expect for your insurance to be expensive.
  4. You can register your car with the person who you want to make a primary driver. By signing them as a co-owner, that will solve your car problems.
  5. If you try to beat the system by listing someone as a primary driver and they will not be driving your car, it may not be worth the headache, or the trouble you may get into, in the future.

Which Companies Sell Auto Insurance for Unlicensed Drivers?

If you try and go to a big-name insurance company, they will most likely will tell you they are unable to sell you auto insurance. These big companies include, State Farm, GEICO, Progressive, and Allstate. You can try to give it a shot and see what they say, it won’t hurt.

You may be able to have a better chance if you approach a smaller insurance company. You can start with a local or regional insurer and ask to see if they sell policies to drivers without a license. If you are still unable to find a provider, you can try using an insurance broker, they might be able to find you a company or at least point you in the right direction.

Finding Cheap Insurance without a License.

When you decide on what method to use when you are trying to get your car insured, finding a cheap rate will depend on who you are listing as the primary driver on the insurance quote. It will depend on the drivers age, driving history and location. So, it would be wise to make sure the person who is the primary driver of the vehicle has a clean driving history to ensure you are getting the cheapest price for insurance.

If your primary driver has multiple accidents, tickets, or even below the age of 25, the cost for insurance may be expensive.

To find the best rates, you can shop around for quotes, and compare them with other companies.

Reasons Why Companies Won’t Insure Unlicensed Drivers

There is a lot of risk that goes with insurance. When insurance companies sell insurance to people without a license, it is a gamble for them.

When you do not have a license, insurance companies are unable to look up a driving history. Insurance companies use driving history as one of their main indicators on how much to charge a driver.

Insurance companies also view people who do not have a license as a higher risk than a licensed driver. They worry that the owner of the car, even if they are not listed as a primary driver, will drive the car, and the insurance will have to pay out if any accidents happen.

Insurance companies legally do not have to cover excluded drivers, but if a excluded driver takes an insurance company to court, that hasn’t always been the case.

Why Would Someone Get Insurance Without a License?

There are many reasons why someone might not have their license but do have a need for car insurance. Here are the most common reasons why:

  • You don’t drive, but you have a family member that needs a car.
  • You are in the process of getting a driver’s license.
  • You cannot drive anymore but would like someone else to drive your car.
  • You have a driver or chauffeur to drive you around.
  • You had car insurance and want to avoid a lapse in your car insurance.

Getting Insurance with a Suspended License?

If you were wondering if it was possible to get insurance with a suspended license, the answer is yes you can.

When you have a suspended driver’s license, typically it is because you have been caught driving without car insurance or got arrested for a DUI. To reinstate yourself as a driver, you would have to fill out the SR-22 form and pay any applicable fees.

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