Most people assume that having a valid driver’s license is a requirement for buying auto insurance—but that’s not always the case. While it’s less common, there are situations where non-licensed individuals need auto insurance coverage. Whether you own a car but can’t drive it, are applying for a license, or want to insure someone else driving your vehicle, there are options available. Here’s what you need to know about getting car insurance without a driver’s license.
Can You Get Car Insurance Without a License?
The short answer is: yes—but it’s complicated. Many major insurers won’t allow you to purchase a policy without a valid license, but some companies do make exceptions under specific circumstances. You may need to work with a specialty insurer or a local independent agent who understands your situation and can help navigate the process.
Common Reasons You Might Need Insurance Without a License
There are several legitimate scenarios where someone without a driver’s license may still need to insure a vehicle:
1. You Own a Car But Don’t Drive It
You might own a vehicle that’s driven by a caregiver, family member, or hired driver. Even though you don’t drive, you’re still financially responsible for the car—and you’ll want to protect it with insurance.
2. You’re Applying for or Reinstating a License
If you’re in the process of getting your license (such as a teen with a learner’s permit) or have had your license suspended and need to file an SR-22, many states require you to show proof of insurance before reinstatement.
3. You’re a Senior or Person with a Disability
You may no longer be able to drive, but you still own a vehicle used by someone else. Maintaining coverage protects your assets in case of an accident.
4. You’re Buying a Car for Someone Else to Use
Parents, caregivers, or business owners may purchase a vehicle for another licensed driver to use. In these cases, you can still be the policyholder, even if you aren’t the one behind the wheel.
5. You Want to Keep Continuous Coverage
If your license is temporarily revoked or suspended, canceling your insurance can lead to higher premiums later. Maintaining coverage—even without a license—helps preserve your insurance history.
How to Get Insurance Without a License
To get insured without a license, you’ll likely need to:
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Work with a provider that accepts unlicensed applicants
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Designate a primary driver who has a valid license
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List yourself as an excluded driver, which means you’re not covered to drive the vehicle
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Provide vehicle information, registration, and proof of ownership
Tip: Be upfront about your situation. Trying to hide your lack of a license could result in claim denials or policy cancellation.
Designating a Primary Driver
Most insurers will require you to name someone else as the primary driver—the person who uses the vehicle the most. This person’s driving history, license status, and risk profile will be used to determine your premium.
Good candidates include:
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A spouse or partner
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A teenage child with a valid license
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A caregiver or live-in family member
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An employee or company driver (for business vehicles)
Specialty Coverage Options
If traditional insurers turn you away, try looking for:
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Non-owner car insurance (for people who drive but don’t own a car—great for maintaining coverage)
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High-risk insurance providers
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Local or regional insurers who work with drivers in unique situations
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Insurance brokers or agents who can shop across multiple companies
What You Can Expect to Pay
Insurance rates for unlicensed policyholders vary depending on:
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The primary driver’s record and age
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The value and type of vehicle
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Your ZIP code and storage situation
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Whether you’re filing an SR-22 or other proof of financial responsibility
Be aware that your rates may be higher because insurers see non-licensed owners as higher risk—even if you’re not driving.
What to Watch Out For
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Driving without a license is illegal—do not attempt to drive under any circumstances without valid credentials, even if you have insurance.
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Misrepresenting your status on the application could lead to claim denial or fraud charges.
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Some insurers may cancel your policy if your license is suspended after coverage begins—always keep them updated.
Final Thoughts
While it’s not always easy, getting auto insurance without a driver’s license is possible in many situations. Whether you’re protecting a car you don’t drive or planning ahead while you work on reinstating your license, the right policy can offer peace of mind. Work with a trusted agent or specialty provider to find the coverage that fits your unique needs—and make sure your car (and finances) stay protected.
