How to Get Insurance Without a License

Image shows two people on a video call with car keys in front of the screen. Text reads: "How to get car insurance without a driver's license: Choose someone close to your to be the primary driver; do not lie or stretch the truth to the insurance agent; ask for suggestions if agent is unable to assist; find insurance companies that offer high-risk policies regularly; make sure you are excluded as the driver; get primary driver co-titled on your vehicle."

Image by Nusha Ashjaee © The Balance 2020

Can you buy a car without a driver's license? Is it possible to get car insurance without a driver's license? What do you do when your driver's license is suspended, but you need insurance on a car titled to you? So many questions similar to these can leave a person feeling very confused. 

Buying a Car Without a License

There is not a law against buying a car without a driver's license. There are however laws in every state not allowing someone to drive without a driver's license or permit, so please keep that in mind. To buy a car and register it with the state where you live, you will need photo identification and car insurance.

Buying Car Insurance Without a License

Getting car insurance without a driver's license is not exactly easy. Try calling around to different insurance agencies, and you might get brushed off immediately if you do not ask the right questions. 

Start By Selecting a Primary Driver

The primary driver of your vehicle should be someone very close to you, a blood relative or spouse is a good start. Clearly, you do not want to hand over the keys to your vehicle to just anyone.

It is assumed you would not insure a vehicle without intentions of somebody driving it. If you tell an insurance agent you do not have a license and want to insure your car; you will more than likely be told it is not possible. It is standard procedure to verify a driver's license before an insurance policy is issued.

Never lie, stretch the truth, or withhold information from an insurance agent. You are setting yourself up for future claim denial. What is the point of paying for insurance if it is not valid at the time you need it most? Be honest with an agent and ask for suggestions if they are unable to help you.

Primary Driver Lives With You

  • You, the unlicensed driver, will need to be excluded as a driver on the policy. A spouse should be able to obtain insurance on the vehicle although some preferred insurance carriers will probably decline coverage. Check with insurance carriers who write high-risk policies regularly.
  • If the primary driver lives with you but is not a spouse, you can be named insured on a policy and excluded as a driver at the same time. The primary driver can then be listed as a driver on the policy. You will probably have to do a little checking around to find an insurance carrier who offers this option.

Primary Driver Does NOT Live With You

  • The primary driver might be able to insure the vehicle even though it is not titled to them under their current auto insurance policy. Many insurance carriers only allow you to insure a vehicle which is titled to the named insured. Make sure to explain who the vehicle is titled to at the time of insuring the vehicle.
  • If the first option does not work out, consider looking for alternative insurance carriers which do allow a named insured to purchase a policy for an un-owned vehicle. So you are still trying to find an insurance carrier who will let a primary driver insure the vehicle. 

I believe Progressive Insurance offers policies for excluded named insured drivers and insurance for un-owned vehicles. Rules can always vary per state so please check with an authorized representative in your area.

Last Resort Option for Getting Car Insurance Without a License

If you are still struggling to get coverage, you might look into having your primary driver co-titled on your vehicle. Normally, having the driver titled on the vehicle will alleviate insurance problems. You will still need to be excluded as a driver seems how you are unlicensed, but coverage should be attainable fairly easily. Again choose your primary driver wisely, so you do not end up with unnecessary personal conflicts arising from the situation.

Article Sources

  1. Maryland Department of Motor Vehicles. "Registration - Common Vehicle." Accessed Feb. 7, 2020.

  2. Nevada Department of Motor Vehicles. "Nevada Registration Requirements." Accessed Feb. 7, 2020.

  3. Direct Auto Insurance. "Can You Get Car Insurance Without a License?" Accessed Feb. 7, 2020.

  4. Ameriprise. "Understanding Excluded Drivers and Your Auto Insurance Policy." Accessed Feb. 7, 2020.

  5. Progressive. "Do You Need Non-owner Car Insurance?" Accessed Feb. 7, 2020.

  6. Allstate. "Can I Add a Driver to My Car Insurance Policy?" Accessed Feb. 7, 2020.

  7. State of Connecticut Department of Motor Vehicles. "Adding, Dropping or Changing a Name on a Registration and Title." Accessed Feb. 7, 2020.