Best Auto Insurance Companies That Don’t Ask for Your License (2021)

There aren’t many auto insurance companies that don't ask for a license. So, how can one get car insurance without a license? Independent agencies or regional auto insurance companies can be better options for those without ID. As an alternative, an unlicensed driver can settle for coverage that protects against vehicle damage, theft and natural disasters. 

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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 (BBB A+). 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 and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Sep 24, 2021

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Things to Remember

  • It is possible to get auto insurance without a drivers license
  • An unlicensed driver can expect to find auto insurance coverage for the vehicle alone
  • Most national auto insurance brands will always require a license to begin a new policy

Do you need a license to buy auto insurance? No.

Is driving without a license illegal? Yes.

Contrary to popular belief, a license is not a requirement for auto insurance but rather a preference for auto insurers.

Most auto insurance companies have a series of steps they take before completing a new policy. One of those steps includes checking your MVR (Motor Vehicle Record) for a driving record. This is where the problem lies for unlicensed motorists.

How do you get car insurance without a license? There aren’t many affordable auto insurance companies that don’t ask for a license but there are some that do and a few workarounds one can use to obtain a new  policy. 

Search and compare auto insurance quotes for unlicensed drivers in your area by entering your ZIP code in the free tool above. 

What are the auto insurance companies that don’t ask for a license?

As a rule, most auto insurance companies you come across will always ask for your license. Not providing a driver license marks you as high-risk or “uninsurable”. So what are your options? 

Option 1: Independent auto insurance agents or smaller regional auto insurance companies

Option 2: Unlicensed driver insurance for

  • Excluded and primary drivers
  • Antique vehicles or collectors items
  • Drivers with learners permits
  • Coverage with a suspended license

Auto Insurance Company YesNo Maybe
Allstate X
GEICO X
Liberty Mutual X
Progressive X
State FarmX
The Hartford X
USAAX
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It’s important to note that while there are options for car insurance companies that don’t ask for a license, these options are solely available to insure the vehicle only.

This means that any unlicensed person who gets into an accident while driving the vehicle will not be covered. 

Option 1: Independent Auto Insurance Agents/Small Regional Auto Insurance Companies

A search for “no license car insurance near me” may yield a list of results that include national car insurance brands we’ve all seen before but what we may not see are the actual small agencies that are equipped to offer more distinct car insurance options.

Region Auto Insurance Company
California Wawanesa
Central America Auto-Owners Insurance
Florida Allstate
Mid-Atlantic State Farm
New England Amica Mutual
New York State Farm
North Central GEICO
Northwest GEICO
Southeast Farm Bureau Insurance
Southwest American Family and GEICO
Texas Texas Farm Bureau
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Based on the table above, you can see that there are several regional auto insurance companies that are ranked very highly by J.D. Power. These are only a handful of regional options around the county.

While it’s not guaranteed that regional auto insurance companies or independent agents won’t ask for your license you’ll have a greater chance of success.

Option 2: Unlicensed Driver Insurance

There aren’t many car insurance companies that don’t require a license but a form of unlicensed driver insurance is a good alternative. This type of insurance covers protecting the vehicle itself and not a particular driver.

The first form of unlicensed driver insurance relies on excluded and primary drivers.

If you are an unlicensed driver but the vehicle belongs to you, you can insure your vehicle by becoming an excluded driver. You can add a primary driver to the policy who will then be responsible for providing their license to the auto insurance provider.

The second form of unlicensed driver insurance is for antique vehicles or automobile collectors. It can be referred to as classic car insurance. The Insurance Information Institute explains how one can insure a classic car.

As a antique owner or collector, you want to preserve the vehicle against physical damages and natural disasters. In most cases, your license won’t be a requirement for this type of insurance.

The third form of unlicensed drivers insurance is for new drivers. Young drivers need auto insurance just as much if not more than mature drivers. It can also be called student driver insurance.

Since a permit is not quite an ID a young driver isn’t required to have a license for coverage. However, most young drivers are added under their parents policy and the parents or primary policyholder is required to be licensed. 

Lastly, if you’re a person with a suspended license your vehicle needs to remain insured even though you aren’t permitted to legally drive it.

A suspended license is not a valid form of ID. As such, auto insurance companies cover the driving of the vehicle but rather the vehicle itself. Like many of the other forms of unlicensed driver insurance your vehicle can be covered for physical damages and natural disasters.

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What insurance companies will insure you without a license?

Independent agents or small, regional auto insurance companies can offer different types of coverage on a case-by-case basis. This includes insurance for those without ID.

Unlicensed drivers can also find auto insurance for specific reasons like being an antique collector or a new student driver. This type of insurance can be found with regional and national brands alike.

It’s harder to find auto insurance if you don’t have a license but it’s not impossible.

Enter your ZIP code in the free tool below to find auto insurance quotes for unlicensed drivers.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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