Can I Get Car Insurance Without a License?
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
UPDATED: Mar 13, 2020
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider. Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.
Insurance Q&A: “Can I get car insurance without a license?”
The answer to this question depends on the circumstances surrounding why you don’t currently have a license.
If you have a suspended or revoked driver’s license, you might be out of luck entirely. There are very few, if any car insurance companies, that will insure a driver in this situation.
Odds are your license was suspended for a serious driving offense, or several minor offenses. Either way, insurers are not in the business of taking on a driver that poses an obvious threat for insurance claims.
On the other hand, if you’re in the process of obtaining a driver’s license for the first time, there are some insurance companies that will present you with options (even if you drive a purple Gremlin).
Typically, an insurer will issue an auto insurance policy for someone in this position…with a catch.
You will need to prove, usually within 30 to 45 days, that you actually obtained the driver’s license.
If you do not own a car, but drive others’ cars regularly, it is recommended that you obtain a non-owners auto insurance policy. This policy will provide secondary liability coverage behind the primary policy on the vehicle.
If you carry a Foreign, International, or Matricula license, there are many companies that will insure you. Typically, these companies are referred to as non-standard carriers.
Keep in mind that the majority of car insurance companies out there require a review of your motor vehicle driving record, or MVR, in order to accurately calculate your insurance premium and issue an insurance policy.
If you do not provide your driver’s license when shopping for insurance, you will typically be charged a higher rate or denied coverage.
Physical Damage Coverage
Some insurance companies will allow you to purchase a physical damage only policy while you are unlicensed to protect a vehicle you may own. It doesn’t matter whether you have a license or not…your car can still be damaged.
If you don’t currently have a license, but plan on getting one within the time frame referenced above, you should shop online for insurance quotes and/or contact an independent agent to make sure you receive the best coverage at the lowest rate possible.
Remember, if someone has access to regularly use your car, you need to have them listed on your policy covering the vehicle, even if you’re not licensed.