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

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Feb 15, 2022

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The Lowdown

  • You can buy auto insurance without a license
  • Contacting an insurance representative directly and explaining your situation could make the process easier
  • You can shop for free insurance quotes online

It may seem odd to buy auto insurance without possessing a driver’s license, but there are actually quite a few reasons why you may need to do just that. If you find yourself in a situation where you need an auto insurance policy but don’t have a driver’s license, it can be rather difficult to find cheap insurance without a license.

While you may have been spending your time conducting internet searches for “cheap car insurance without a license near me,” or “no license car insurance near me,” you can use this guide instead to help you discover how to get insurance without a license and recognize which scenarios would require you to do so in the first place.

If you’ve ever wondered where you can get auto insurance without a license, enter your ZIP code to start comparing free insurance quotes today.

Where can you apply for insurance quotes without a license?

Can you get auto insurance without a driver’s license? Yes, you can, but you may have to spend a bit more time than most insurance shoppers looking for a company that will extend coverage to you. You may want to consider applying for quotes at insurance companies like State Farm, Erie, The General, or Allstate.

Shopping for insurance online is a great way to find auto insurance companies that you may be interested in working with. You may need to call each company’s insurance representative to explain your unique situation and why you are applying for a policy without a license.

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Why would you need to buy auto insurance without a license?

It may seem odd to purchase auto insurance when you have no plans of driving a car yourself, but there are several reasons why you may still want the protection provided by an insurance policy. These may include:

  • Health reasons
  • A caregiver is driving a car you own
  • You are a student driver
  • You don’t drive, but a teen driver in your household does.
  • You own a classic car
  • Your license is suspended

For example, if you are in a situation where you are unable to renew your license, either temporarily or permanently, but you intend on keeping your vehicle, you will still need auto insurance.  This will be true even if the vehicle is in storage or just sitting in your driveway.

Avoiding any lapses in coverage is also important if you want to preserve your rates. If your situation were to improve and you were able to renew your license, renewing after a break in coverage could mean paying more than you had before.

An inability to drive doesn’t mean that your car won’t be in use. Senior drivers who give up their license may need to maintain their auto insurance policy if their car is going to be used by a caregiver to drive them about to run errands or get to appointments.

Even very young individuals who don’t have a license may still need an insurance policy. For instance, if a teenager has their permit, they will need car insurance which is typically provided by their adult guardian, although some older teenagers will be able to purchase their own policy.

If you own a classic car that is more the jewel of your garage rather than your regular cruiser, you’ll need insurance to protect that as well from anything that could damage it while in storage.

If you were an active driver but had your license suspended for any reason, you will most likely require an active insurance policy and an SR-22 certificate as prerequisites to have it renewed.

You now know why you may need to purchase auto insurance without a license so let’s take a closer look at how you can get a policy even if your license isn’t up-to-date.

How to Get Auto Insurance Without a License

You, as an unlicensed driver, can buy auto insurance, but knowing how to get a policy will make your shopping experience much easier. You can increase your chances of procuring the coverage you need by taking these steps while shopping for an insurance policy:

  • Request an SR-22 form.
  • List another person as the driver.
  • List yourself as an excluded driver.
  • Request parked car coverage.

If you need an SR-22 form, you can refine your insurance search by only requesting quotes from companies that offer this form, like State Farm or Erie.

If you cannot physically drive yourself anymore but still own a car, you can buy a policy but list another person as the driver. This is easier to do if the person lives in your household, but you should always reach out directly to your insurance representative to verify that the company you want to work with will allow you to do this.

You can even add yourself as an excluded driver on the policy. Bear in mind that even if you were to get your license back, the policy coverage would not be extended to you if you were to get into an accident while driving the car.

Contacting an insurance company like Allstate about parked car coverage may be one of the easiest ways to get insurance without a license. It is important to note that if you were to purchase such coverage, the car could not be driven by anyone. If you did want to get the car back out on the road, you would need to contact your insurance company and request that the policy be upgraded to a standard auto insurance policy.

What You Need to Know About Buying Auto Insurance Without a License

Drivers who don’t have an active license can purchase car insurance, but some drivers may have an easier time of it than others. If you have been charged with a DUI and need an SR-22 form to regain your license, you can search for companies that offer that form and reach out to them directly.

Of course, if you are someone who owns a car but can no longer drive, you could always purchase a policy and list your caregiver or whoever would frequently be driving your car as the primary driver.

Essentially, you can streamline your policy shopping experience by requesting quotes online, finding the best policies of the bunch, and then reaching out to insurance companies that offer those policies directly so you can verify that your policy can be customized to fit your specific needs.

So, where can I get auto insurance without a license? You can enter your ZIP code to get free quotes and discover the best insurance company for you.

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Frequently Asked Questions

Can you buy a car without a license?

You can certainly purchase a car without having a driver’s license, but you should be prepared to encounter some roadblocks. Most dealerships need to see proof of insurance before you can finalize your purchase, and you will need to bring a licensed driver with you so you can take your new car home.

Can I get GEICO insurance without a license?

It is possible to add a driver with a learner’s permit to an existing GEICO policy, but you will likely need a license if you wish to buy a new auto insurance policy from GEICO.

Can you get car insurance without a license in Florida?

If you plan on driving the car yourself, you must have a valid license. If someone else will be driving a car that you own, you should reach out to an insurance company directly to see if you can get a policy that fits your needs.

Can you get car insurance without a license in Michigan?

Once again, if you are going to be driving a car, your license must be in good standing. Of course, if you cannot drive and need someone else to use your car to run errands or chauffeur you to appointments, ask your insurance company if you can list another person as the primary driver or even exclude yourself from the policy.