Can You Get Car Insurance Without A License? (Apr 2025)

When Might You Need Car Insurance Without a License?

It’s important to clarify that while you may be able to obtain car insurance without a license, it is illegal to drive without a license — even if the car is insured. If you cause a crash and the injured party files a car accident lawsuit against you, you are unlikely to have coverage anyway. Most policies will not pay a claim if the driver was unlicensed.

However, even if you aren’t intending to drive, there are several situations where you may need car insurance without a license. Here are a few examples:

• You are unable to drive, and someone else drives your car when you need to go somewhere.
• You are able to drive but prefer to use a personal driver.
• Someone in your home drives your car but has no car insurance.
• You have a learner’s permit and are not included in a parent’s policy.
• Your license is suspended, but you want to maintain continuous coverage.

You might wonder, “How much car insurance do I need?” It’s typically a good idea to make sure your insurance coverage equals or exceeds your net worth. To be compliant with the law, you must have at least the minimum amount of liability coverage required by your state.

How Can You Get Car Insurance Without a License?

Understandably, most insurance companies are not willing to insure you without a license without some assurance that you won’t be driving. There’s a possibility that an insurance company will sell you a policy without asking questions, but it isn’t likely.

If you want to increase your chances of getting an insurance policy without a license, consider doing the following:

1. Have Someone Else Listed as a Primary Driver

If you’re wondering how to get car insurance without a license, this is probably the most straightforward way. If there is someone in your household with an active license, ask if they would be willing to be the primary on your policy.

Keep in mind that your average car insurance cost per month will be affected by the driver you list on the policy. Suppose that you have two roommates, one with a clean driving record and another with a DUI in the past three years. In that case, you should choose the one with the clean driving record if possible.

2. Exclude Yourself From the Policy

Even if you have a member of your household who’s willing to be the primary driver on your policy, some insurers may still be hesitant. From their perspective, it’s possible that you’re listing another primary driver but still fully intend to drive the car yourself.

However, if you offer to exclude yourself from the policy, that can sometimes be enough to convince the insurer that you do not intend to drive the car. If you are an excluded driver on a policy, it means you will not be covered. If you were to drive the car anyway and get in an accident, the insurance company would not pay any related claims.

3. Consider a “Parked Car” Policy

The above two options are reasonable if someone else will be driving your vehicle. But what if no one will be driving? In this case, you might be able to get a policy designed specifically for cars that are parked or in storage.

These “storage” or “parked car” policies don’t include liability insurance. However, they can cover vandalism, flood damage or similar issues that might arise when a car isn’t being driven.

Where Can I Get Car Insurance Without a License?

Major insurance companies may not always cover drivers who aren’t licensed. While it’s worth asking, you might have better luck with smaller, lesser-known car insurance companies. Some of them accept IDs other than traditional licenses, and they may be willing to insure your car even if you don’t currently have a license.

However, even for smaller companies, insuring someone with no license is still a risk. This means that you may have to pay more for insurance than you would if you had a valid driver’s license.

Shopping for Car Insurance?

Choosing the right car insurance policy isn’t always complicated. However, if you don't have a license, finding someone to insure you might be a little more difficult. It may take patience and time, but if you explain your situation, you’re likely to find an insurance company that can help.

Are you still having trouble finding insurance? Alternatively, perhaps you just want to learn more about car insurance before you choose a policy. In either case, ConsumerShield might be able to help.

We aim to assist consumers in understanding their rights and responsibilities when it comes to insurance, and we may be able to guide you in your search for a solution. Fill out our form below to get in touch.