How to Get Car Insurance Without a License

You can own a car and get auto insurance without a valid driver's license. Depending on your individual circumstances, you may have to take some extra steps for the insurance company. But, the requirements aren't that tough when you have the right documentation. You'll need to give the insurance company details on your situation and provide any documentation that's requested.

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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 Daniel Walker

UPDATED: Apr 29, 2022

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Things to Remember

  • You can get car insurance with no license 
  • You may have to list yourself as an excluded driver 
  • Not all companies offer no-license insurance 

You might have a learner’s permit, a suspended license, or no license at all. These circumstances won’t prevent you from buying a car and getting insurance for the vehicle. In some cases, you may need to list a licensed driver on the policy and register the car with the state motor vehicle department. There are also times when you won’t need to register the car at all.

Can you get car insurance without a license?   

You can buy insurance without a license under certain circumstances. The reasons you might need this no-license coverage include:

  • You may have a need for transportation but simply do not want to drive a car. In this case, you can own a car and get insurance by listing a different driver on the policy.
  • Perhaps you’re investigating whether you need insurance with a learner’s permit. You’ve purchased a vehicle and the bank or finance company requires car insurance, but you’ve yet to take your driver’s exam.
  • Your license may be suspended but you still want to keep the car insured. Violations may have resulted in your license being suspended. To avoid higher premiums in the future, you need to maintain continuous auto insurance coverage.
  • You may be a car collector and want to insure a historic or classic vehicle you own, even though you don’t drive. An example could be a car you inherit from a relative. 

Regardless of why you need car insurance even without a driver’s license, you can find it. Remember that you may need to provide more information to your insurance company than a regular policy. 

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How to Get Car Insurance Without a License

Many individuals secure auto insurance without a license, so the situation isn’t all that rare. With that in mind, you’ll need to comply with the specific requirements of the insurance company. These requirements will depend on your individual circumstances. Here are a few things to expect:

  • You may need to produce a government-issued photo ID.
  • If your license is suspended, the insurance carrier will likely run a motor vehicle report that provides greater detail.
  • You may be listed as an excluded driver on the policy.
  • You may need to list a licensed driver on the policy. 

Some of these requirements for no-license insurance may hinge on whether the car is actually being used regularly. To illustrate, you may not have a license but you might own many classic or antique vehicles for investment purposes. They are stored in a garage or another structure for protection from the elements and your objective is to protect the value of these vehicles. 

In this scenario, coverage doesn’t require that you register the car for use on the roads, but the protection will extend to perils like fire, theft, or vandalism.  

If you don’t have a license, some companies will demand that you list a licensed driver on the policy when you’re using the vehicle to get from one place to another.

Most insurance carriers will require you to produce a vehicle title indicating that you are the listed owner of the car whether someone drives it on public roads or not. 

Can you get car insurance when you have a suspended license?

If your license is suspended and you need to maintain insurance to satisfy a lienholder, you might be able to list yourself as an excluded driver on an auto insurance policy. But obviously, you’re not allowed to drive the vehicle, and the only legal operator would be a licensed driver to whom you give permission. 

By keeping your insurance policy, you’re also avoiding a lapse in coverage that may result in significant future costs. If you acquire a new policy after the suspension period is over, a gap in coverage will translate to higher premiums. This increase is in addition to the increased cost that you’ll be facing because of the suspension itself.

Can you buy a car if you don’t have a driver’s license?

Nothing is stopping you from buying a car with no license. However, unless you’re transporting the vehicle home on a flatbed or towing it, someone will need to drive your new car to its destination. Consequently, that person will need to hold a valid driver’s license, and the car will need to be titled, registered, and insured. 

If you are a new driver wondering if you need insurance with a learner’s permit, the answer is yes. You will need insurance with a learner’s permit or any other time you’re operating a vehicle on public roads. 

Of course, you may be buying a vehicle that you don’t intend to use on state roads or interstate highways. Maybe you own a farm or large piece of property where you need a pickup truck to transport tools from one place to another. In some states, you can operate that vehicle on private property without the need to register it. Nor will you need to possess a valid driver’s license to operate the vehicle on your farm. 

It’s important to know the laws in your state to determine how your situation applies. It’s also important to look at your individual circumstances to determine whether you want to insure the car or not. Following the motor vehicle guidelines is your first priority, and insuring the car might depend on how you use it or what the vehicle is worth. 

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Can you register your car if you don’t have a license?

Once again, laws vary from state to state, but many states allow vehicle registration and insurance for unlicensed drivers. If you register your car for use on the road, you will require mandatory insurance. This insurance is necessary because a registered vehicle is one which someone can drive on public roadways, and any liability from an accident will follow the titled owner. 

That insurance policy will usually request you list yourself as an excluded driver and that you name a listed driver for the vehicle. 

Don’t Guess, Ask an Expert

You can definitely get car insurance without a driver’s license. Expect to answer some questions about why you need insurance without a license and to produce some supporting documents. After that, you won’t have any trouble getting car insurance without a driver’s license. 

Always make sure to compare multiple car insurance companies when choosing coverage. You can enter your ZIP code into our free comparison tool to find car insurance in your area today.

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