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Can You Get Car Insurance Without a License?

Contrary to popular belief, you don't need a driver's license to own car insurance—but you will need to navigate some special requirements.

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A man learning about different ways to get car insurance without a driver's licence.
David Kindness Bio
David Kindness
Mar. 13, 20254 min read
If you’ve ever wondered whether it’s possible to get car insurance without a driver’s license, the answer is yes—but it’s not as straightforward as insuring a licensed driver.

Whether you’re dealing with a suspended license, own a car you don’t drive, or simply need coverage for other reasons, there are options available. 

In this article, we’ll explore how to navigate this unique situation, including legal considerations, cost factors, and practical steps to secure coverage. And if you're ready to explore your options, you can always compare our best car insurance providers for tailored solutions. 


Key Insights on Getting Insurance Without a License

  • You can get car insurance without a license, but it may require additional steps like naming a primary driver or excluding yourself from driving.
  • Reasons for needing insurance without a license include temporary suspensions, owning vehicles you don’t drive, or protecting collector cars in storage.
  • Costs vary based on factors like the primary driver’s record and the type of coverage you choose.
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Can You Get Insurance Without a License?

License Requirements vs. Reality

While most insurers require a valid driver’s license to assess driving history and risk, there are exceptions. Some companies will insure unlicensed drivers if they meet specific conditions, such as naming a licensed individual as the primary driver or purchasing specialized policies like parked car insurance.

Legal Considerations

Car insurance laws vary by state, but nearly all require vehicle owners to maintain minimum liability coverage. Owning an uninsured vehicle could result in penalties even if you don't drive. Ensuring compliance with state regulations is crucial when you’re insured without a license.

Common Reasons People Need Insurance Without a License

  • Temporary license suspension: If your license is temporarily suspended due to violations or other reasons, maintaining insurance is often required to reinstate your driving privileges. An SR-22 certificate may also be necessary in some cases.
  • Car owners who don’t drive: Non-drivers who own vehicles—such as elderly individuals or those with medical conditions—may need insurance to allow family members or caregivers to drive their cars legally and safely.
  • Collector cars in storage: Owners of classic or collector cars often look for comprehensive policies to protect their vehicles from theft or damage while they’re not being driven. These policies don’t require an active driver’s license.

How to Get Insurance as an Unlicensed Driver

  • Find willing insurers: Not all insurers offer policies to unlicensed individuals. You’ll need to shop around and identify companies that specialize in these situations or are flexible with their requirements.
  • Documentation requirements: You may need alternative identification, such as a state ID or passport. Additionally, insurers will likely require information about the primary driver who will operate the vehicle.
  • Excluded driver policies: Many insurers will ask you to list yourself as an excluded driver. This means you won’t be covered if you operate the vehicle, but it allows others to drive it legally under your policy.

Choosing the Right Primary Driver for Your Policy 

  • Valid license: It’s crucial to select a primary driver for your policy who regularly operates your vehicle. This could be a family member, roommate, or caregiver. 

  • Driving record: The primary driver's record plays a significant role in determining your premiums. A clean driving history can help lower costs, while any violations or accidents on their record may increase premiums. 

  • Disclose accurate information: It's essential to disclose accurate information about the primary driver and your own status as an excluded driver. Misrepresenting this information could lead to denied claims or even policy cancellation. 

Special Insurance Considerations for Permit Holders 

Coverage Types

Permit holders typically get insurance through family policies, though some insurers offer standalone options. When shopping for coverage, it's important to understand the different types of car insurance available.

  • Liability (required in most states)

  • Collision for accident damage 

  • Comprehensive for non-collision incidents like theft or weather damage

Premium Factors

New drivers face higher premiums due to limited experience, but family policies generally cost less than separate coverage. Many insurers offer "good student" discounts for qualifying teens, and completing driver education courses can significantly lower rates.

Transitioning to Licensed Status

When obtaining a full license, notify your insurer right away. You may see premium changes based on your driving record, and you might qualify for new discounts not available to permit holders. Be sure to review any requirements related to graduated licensing programs in your state.

Getting Insured After a License Suspension 

Drivers with suspended licenses may need an SR-22 form filed by their insurer to prove financial responsibility. This requirement varies by state and typically results in higher premiums.

Keeping continuous coverage during suspension can prevent higher rates when reinstating your license. Lapses in coverage often lead to penalties and higher costs down the line.

Steps to Reinstatement

Here’s how to regain your driving privileges after suspension:

  1. Fulfill any court-mandated requirements.

  2. Contact your insurance provider to request an SR-22 if needed.

  3. Maintain active insurance throughout the process.

Cost Factors for Unlicensed Driver Policies 

  • Premium variables: Premiums depend on factors like the primary driver’s record, vehicle type, and location. Insurers may also charge higher rates due to perceived risks associated with unlicensed ownership.

  • Potential surcharges: Some insurers add surcharges for policies involving excluded drivers or non-standard situations like suspended licenses.

  • Discount eligibility: You may still qualify for discounts by bundling policies (e.g., home and auto), installing safety features in your vehicle, or maintaining continuous coverage.


Pro tip: If you want to cut car insurance costs, it's recommended to compare quotes from multiple providers, consider higher deductibles for lower premiums, and ask about any special programs for your situation.


Setting Up Insurance When Others Drive Your Car 

  • Family members: If family members regularly drive your car, listing them as the primary drivers ensures proper coverage while keeping premiums manageable.

  • Caregiver: For individuals relying on caregivers for transportation, naming them as primary drivers provides legal protection and peace of mind.

  • Occasional drivers: If they use your vehicle infrequently, occasional drivers can also be added to your policy as secondary drivers.

Navigating State-Specific Requirements

  • Key state differences: Some states (like California and Texas) require a licensed driver to be named on the policy, while others (such as New York) may offer more flexibility for vehicle owners without licenses. Check your state's DMV website for specific rules.
  • Documentation alternatives: In most states, you can use an ID card number or passport instead of a driver's license number when applying. Insurance companies typically need some form of government identification.
  • SR-22 considerations: If your license was suspended, you may need an SR-22 filing. States like Florida, Indiana, and Michigan have particularly strict SR-22 requirements that affect your insurance options and costs.

Bottom Line: The Road Can Be Yours

Getting car insurance without a driver's license might seem daunting at first glance, but it's entirely possible with the right approach. Whether you're dealing with a suspension, own vehicles you don't drive, or simply want to protect your assets—you have options.

By understanding legal requirements, exploring cost-effective options, and knowing what questions to ask before purchasing car insurance, you can secure reliable coverage that fits your situation.

David Kindness Bio
Written byDavid Kindness

David Kindness is a finance, insurance and tax expert at BestMoney.com. He has written for Investopedia, The Balance, and Techopedia, sharing his deep expertise in taxation, accounting, and finance. A CPA with a Bachelor’s in Accounting, David has worked as a tax specialist and Senior Accountant for high-net-worth clients and businesses in the San Diego area.

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