How to Get Car Insurance With No License

How to Get Car Insurance With No License

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While there are a few options, the best way to get car insurance when you have no license is to purchase a policy and list yourself as an excluded driver.

Doing so will ensure that the car and drivers listed on the policy have the necessary coverage. However, you'll have to find an insurer that will sell you an auto insurance policy. Most insurers will be wary of providing coverage to an unlicensed driver.

Auto insurance for unlicensed drivers

It can be difficult to get coverage for your vehicle if you don't have a driver's license. While it isn't legally required when purchasing car insurance, most national insurers — such as Geico, State Farm, Progressive and Allstate — will most likely turn you away without a license.

Instead, you should focus on small and regional companies or contact a local independent agent who may be familiar with insurers that provide policies to unlicensed drivers. You may need to call insurers directly, as you typically must provide a valid license number when purchasing a policy online.

List yourself as an excluded driver

The key to getting car insurance without a license is buying a policy where you are listed as an excluded driver. This alleviates risk for the auto insurance company because you and your vehicle will not be covered if you drive the car and get into an accident.

Keep in mind: If you're pulled over, you'll be treated as if you were driving without insurance, which could result in fines and vehicle impoundment.

Since the unlicensed car owner isn't allowed to operate the vehicle, someone else will have to be listed as the primary driver on the policy. This should be the person who typically uses the car, such as a spouse, family member or roommate.

It is fairly typical for the policyholder and vehicle owner to be different from the primary driver on a car insurance policy. This is sometimes the case for elderly drivers or for people with health problems. In these situations, a caretaker may need to be listed as the primary driver on the patient's auto insurance policy.

When determining who will be the primary driver on the account, keep in mind that car insurance companies will use motor vehicle records along with other factors to set your rates.

If the person you choose as the primary driver on your policy is considered a high-risk driver — either due to their driving record or age — you can expect an increase to your premiums.

Parked car insurance

You can also insure a car against potential damage when it's mostly parked in storage. Parked car coverage, also known as a comprehensive-only policy, just provides comprehensive insurance. This covers damage to a car while it's in storage and isn't being driven. The policy would cover the following perils:

  • Fire
  • Flooding
  • Theft
  • Vandalism
  • Falling objects

An auto insurer likely won't require that you have a driver's license for parked-car insurance since the covered vehicle won't be driven at all. Furthermore, this type of policy is a good option because it is cheaper than typical auto insurance policies that include liability coverage.

Changing your car's registration to get insurance

If you can't find an insurer that will sell you a policy because you don't have a license, you may consider changing the vehicle's registration so a licensed driver is the co-owner. Doing this will ensure you can purchase a policy for the vehicle you are trying to get insured, as vehicle ownership is a common requirement.

Changing your vehicle's registration to reflect the change in ownership is fairly simple, and it usually involves visiting your local DMV, filing a form and paying a fee.

Why would you insure a car you can't drive?

There are several reasons you may want an insurance policy without being able to drive. You may have a driver's permit, or one of your licensed family members may not be able to finance their own car purchase. Or, as mentioned above, you may have previously driven a car but can no longer operate it.

Getting car insurance with a suspended license

If your license is suspended, your options differ from drivers who have never had a driver's license or have had it revoked. License suspension is often a consequence of a serious traffic violation, such as driving under the influence (DUI) or driving without insurance. Typically, the driver must get SR-22 insurance to reinstate their driving privileges.

An SR-22 is a form your auto insurance company files on your behalf that confirms you have the required minimum coverage. While SR-22 insurance is something that any insurer can provide, it may choose to deny coverage if you are considered too risky.

If you're looking to save money while your license is suspended, consider getting parked car insurance instead of canceling your policy altogether.

By maintaining comprehensive insurance, you can avoid a lapse in coverage, which can cause an increase to future insurance premiums.

How to buy a car without a driver's license

Similar to purchasing car insurance, having a driver's license is not required to buy a car. However, you can't test drive a vehicle or drive it off the lot without a license. And although it may be permissible, you will usually have difficulty finding an auto dealer willing to offer financing if you don't have a license. You will likely have better luck with a local bank that doesn't require you to have a license for this type of loan.

Registering a car with no license

To register a car, you don't necessarily need a license. In most states, you can register your vehicle by submitting the proper paperwork, paying a fee and providing proof of insurance. To acquire an insurance policy, you'll have to contend with the obstacles mentioned above. However, once you've done so, registering your vehicle is fairly simple and can be done through your state's DMV.

Frequently asked questions

Can I get car insurance without a license?

Generally, yes. You can buy insurance and register a car even if you don't have a driver's license. However, you might need to list yourself as an excluded driver on the policy, and not every insurer will sell you a policy.

When should I get car insurance with no license?

You might need car insurance without a license if someone else is using a car you own or if you still have your learning permit but have your own car.

What is the best way to get insurance without a license?

The most reliable way to get insurance without a driver's license is to name someone who has a license as another driver on the policy. Insurers are more likely to give you a quote in this case.

Can I get insurance with a suspended license?

Typically, yes. If your license was suspended or revoked, you may need to buy insurance with an SR-22 certificate of responsibility in order to register your car and have your license reinstated.

Can I register a car with no license?

Yes. In most states, so long as you have the required paperwork including proof of insurance and valid ID, you can register your car without having an active driver's license.

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