Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: May 17, 2022

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The Lowdown

  • There is no requirement to have a driver’s license to get insurance
  • Most major insurance companies will give you a policy without a license
  • If you’re caught driving without a license, you could lose your insurance coverage

Many companies will be willing to give someone auto insurance without a license. Since there is no requirement in any state, any insurance company can provide you with a policy at its discretion. However, you should be aware of the dangers that come with driving a vehicle without a legal license.

If you’re looking for rates for car insurance without a license, enter your ZIP code into our free quote tool.

How can I get car insurance without a license?

Car insurance is a necessary tool to protect you and your vehicle when an accident happens. Whether it be a collision with another car or protection against severe weather, almost everyone can benefit from having some form of insurance on their vehicle. But is it possible to get car insurance when you don’t have a legal license?

There are no laws that state you need to have a driver’s license to get insurance, which means it is possible to get car insurance without a driver’s license. Many companies will be willing to give someone auto insurance without a license. Since there is no requirement in any state, any insurance company can provide you with a policy at its discretion. However, you should be aware of the dangers that come with driving a vehicle without a legal license.

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How can I get car insurance without a license?

Car insurance is a necessary tool to protect you and your vehicle when an accident happens. Whether it be a collision with another car or protection against severe weather, almost everyone can benefit from having some form of insurance on their vehicle. But is it possible to get car insurance when you don’t have a legal license?

There are no laws that state you need to have a driver’s license to get insurance, which means it is possible to get car insurance without a driver’s license near me. In addition, most of the major insurance companies in the country will be willing to give you a car insurance policy without a license.

Some of the major insurance companies that give car insurance to people without a license include:

  • Allstate
  • GEICO
  • State Farm
  • Progressive

While a national insurer is a great resource, it would benefit you also to consider small and local insurers to see if they can offer you better rates. If you’re unsure about your options for buying car insurance without a license, consider discussing your options with an insurance agent.

Is car insurance valid without a driver’s license? There are no requirements to have a driver’s license with car insurance, so you can have a policy on the car even if you lose your license. So, therefore, I can likely find cheap car insurance without a license near me. If you need cheap freeway insurance with no license, you shouldn’t have any issues.

What is parked car insurance?

If you’re not driving your vehicle because you don’t have a legal driver’s license, you can still get a policy that will protect your vehicle. Parked car insurance is meant for cars that spend most of their time in storage. So if your car is parked out of the way, it can be protected with a parked car insurance policy.

A parked car insurance policy protects your vehicle from various hazards, which includes:

  • Fire
  • Flooding
  • Theft
  • Vandalism
  • Falling debris
  • Damage from wild animals

All of the possible hazards that could happen to your vehicle while it’s parked will be covered. Furthermore, it will likely be more affordable than standard auto insurance because you aren’t moving the car. However, according to the Insurance Information Institute, the cost will also depend on other factors.

The average cost for parked car insurance is around $167.91 per year for coverage. This comes out to approximately $13 a month for insurance on a parked vehicle.

Why do insurance companies prefer licenses for insurance?

Having a driver’s license is a requirement to drive on the road in every state, and you can face significant fines or jail time if you’re caught on the road without the required documents. It also takes practice and studying to get a driver’s license, showing the experience one has with operating a vehicle.

Because of the required knowledge, a driver’s license shows your insurer that you’re prepared to be in control of a vehicle. Conversely, if you don’t have a license, it gives the insurer the impression that you don’t have that knowledge or lost your license due to an accident or poor driving record.

Applying for car insurance with a license is more accessible because your insurance will appreciate how prepared you are to drive the car if need be.

When would someone need car insurance without a license?

It’s completely normal not to have a driver’s license, be it expired or something you’ve never been interested in. Car insurance companies will still be willing to give you insurance, even if they have a few more questions in the meantime.

  • Car is unused for long periods
  • Your license was suspended
  • You never had a license
  • Repairing an old car

There are tons of reasons you might want to get insurance without a driver’s license, and your insurance company will be happy to cover them. However, depending on why you don’t have a license, the insurance company may have a few more questions before it’s willing to give you a policy.

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Should you list yourself as an excluded driver?

If you or someone else is purchasing car insurance on a vehicle, should you list yourself as an excluded driver? An excluded driver is someone who is guaranteed never to drive a car. If you name yourself an excluded driver, you promise the insurer that you won’t have access to the vehicle.

If you want to list yourself as an excluded driver, you should make sure that you will never drive the vehicle. If something happens and you are found to be driving, your insurance company wouldn’t pay for any of the damages done to your car. In that case, you’re violating the terms you set by driving as an excluded driver.

When should you get the vehicle registered in someone else’s name?

Another option for someone without a license is to get car insurance registered in someone else’s name. Then, if the insurance is applied for using your name, the insurance company won’t know that you don’t have an insurance policy. In addition, many companies are willing to let applicants add additional drivers or household members to the policy.

If you’re worried about what the insurance company will think due to your lack of a license, you can get the insurance under someone else’s name. The vehicle may also need to be registered under their name as well. If you can find a close friend or family member you trust, consider how getting insurance under their name might benefit you.

Is it possible to get car insurance with a suspended license?

As mentioned above, there are no state laws that require you to have a license to get car insurance. This means that you can ensure a vehicle no matter your license status. That being said, there are cases when your suspended license might cause the insurance company to be hesitant about giving you a policy.

If the reason for your suspended license is something significant on your record, the insurance company might be hesitant about giving you a new policy. For example, suppose you’ve recently been in a significant accident or received multiple DUI convictions. In that case, the insurance company won’t want to provide you with a policy for fear that you’ll make the same risk again.

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Can I buy a car without a license?

While it is admittedly a rare occurrence, you can buy a car without a valid driver’s license. As with car insurance, there are no requirements to have a license to buy a car in the United States. However, if you plan to drive the car off the lot, you’ll need it to be registered and have a valid license.

If you want to get the car back to your home without a license, you’ll likely have to pay for expensive tow or hauling services. This is why it’s best to get a car when you or someone can drive it off the lot.

Car Insurance Without A License: The Bottom Line

Many companies will offer your car insurance without a license since there is no requirement. However, you should be aware of the dangers of driving a car without a legal driver’s license. You can also purchase a vehicle without a permit, but getting it home will pose a new challenge.

If you’re curious about how to get quotes for car insurance without a license, enter your ZIP code into our free quote tool to see what you could pay today.