Car Insurance Quotes Without Driver License

Car Insurance Quotes Without Driver’s License

Looking for car insurance quotes without a driver’s license might seem unusual, but it is more common than you think. While it is illegal to drive without a license, even if the vehicle is insured, there are plenty of situations where someone without a valid license is still the legal owner of a car. For example, you might be buying a car for your child, spouse, or caregiver to drive, or you may be in the process of getting your license reinstated after a suspension. In these cases, you are not the person behind the wheel, but you still need coverage.

It is possible to get car insurance without a license, and if someone else will be driving your vehicle, it is necessary. However, not all insurance providers are willing to write policies for unlicensed car owners. Some companies may be hesitant to take on the risk, while certain states require that at least one licensed driver be listed on the policy.
Since most insurers use driving history to help determine rates, getting coverage without a license can take a few extra steps.

That is why it is important to understand how the process works and what information you will need to provide when requesting quotes. In this guide, we will cover how to get car insurance without a license, why someone might need it, and how to compare quotes from companies that are willing to offer this type of coverage.

Can You Get Car Insurance Without a License?

Yes, it is possible to get car insurance even if you do not have a driver’s license. While it may take a little extra effort, some insurance companies will let you buy a policy as long as you list someone else, like a family member or caregiver, as the primary driver. This person needs to have a valid license and will be the one driving the car.

In this case, the insurance company might list you as an excluded driver, which means you will not be covered if you drive the vehicle. This setup is common for people who own a car but do not drive themselves. Not every insurance company offers this kind of policy, so you may need to shop around or speak with an agent who has experience helping unlicensed car owners find coverage.

READ ALSO: Car Insurance Quotes With SR22

Why Someone Might Own a Car Without a License| Car Insurance Quotes Without Driver License

Owning a car does not always mean you are the one driving it. While every vehicle on the road must be insured, the person holding the insurance policy does not always need to have a valid driver’s license. There are several situations where someone may legally own a car without being a licensed driver. Below are some common examples:

You Plan to Get Your License Soon

You might be in the process of learning to drive or working to get your license reinstated. In the meantime, you still want to purchase and insure a vehicle.

The Car Is a Collectable or Not Being Driven

Some people buy cars as investments or for restoration purposes. If the car is parked, stored, or rarely used, a license may not be necessary for ownership, though insurance is still a good idea.

A Caregiver or Family Member Drives You

If you rely on someone else to drive you, such as a caregiver or relative, you may still want to own and insure a vehicle for their use.

Your Teenager or Child Drives the Car

Also,  If your child is under 18, you may need to purchase and insure a car for them even if you do not have a license yourself.

You Bought a Car for Someone Else to Use

In some families, one person may buy and insure a car for a spouse, partner, or other household member who will be the one driving.

You Are Not Allowed to Drive Due to Past Violations

If your license is suspended or revoked due to traffic offences, you might still own a vehicle and have someone else listed as the driver.

In these cases, many insurance companies allow you to name someone else as the primary driver on the policy. You can also request to be listed as an excluded driver, meaning you will not be covered if you operate the car. This protects the insurer and helps clarify who is driving.

Do You Need Car Insurance Without a License?

Even if you are not currently driving, there are several reasons you might still need car insurance:

You Are Working Toward Getting Your License

If you have a learner’s permit or plan to get your license soon, you will need insurance in place before you are legally allowed to drive.

You Temporarily Stopped Driving

A medical condition, suspension, or personal situation may prevent you from driving for now. Keeping insurance during this period can help you avoid higher costs in the future due to a lapse in coverage.

You Have a Teen Driver

Minors cannot legally sign a car insurance contract in most states. If your child is under 18 and licensed, you may need to purchase a policy on their behalf and list them as the main driver.

Your License Was Suspended

If your license has been taken away due to past infractions, you may still be required to show proof of insurance to get it reinstated. Maintaining coverage during a suspension can also help you avoid penalties and make it easier to drive again when eligible.

Someone Else Drives Your Car

If your spouse, child, or caregiver uses your car regularly, you should have a policy in place to protect them and your vehicle while they drive.

You Own a Classic or Stored Vehicle

Even if a car is not being driven, it can still be damaged or stolen. If you have a classic car or a vehicle in storage, you can keep comprehensive-only coverage to protect it against theft, fire, or vandalism without paying for collision or liability coverage.

Is Car Insurance More Expensive Without a Driver’s License?

In most cases, yes, car insurance tends to cost more if you do not have a driver’s license. Insurance companies often see unlicensed individuals as higher-risk because they cannot assess a driving history. Without a record to review, insurers have no way to measure how safely or responsibly you drive.

As a result, premiums may be higher to account for the added uncertainty. The exact cost difference varies depending on the insurance provider, the driver listed on the policy, your location, and other risk factors such as the vehicle type or past claims. Shopping around and comparing quotes can help you find the most affordable option for your situation, even without a license.

How to Buy Car Insurance Without a Driver’s License| Car Insurance Quotes Without Driver License

It may seem unusual, but you can still buy car insurance even if you do not have a valid driver’s license. Some insurance companies allow you to name someone else, usually a family member or another trusted driver, as the primary driver on the policy. This is the person who will be operating the vehicle most of the time.

However, not every insurer offers this option. Some companies require the policyholder to have a valid license. Because of this, it is important to shop around and compare providers to find one that works with unlicensed car owners. When applying for coverage, insurers typically ask for a driver’s license number to review the applicant’s driving history. If you do not have a license, they may instead ask for the license number of the person who will be driving the car. The insurance rate will then be based on that person’s record. If the listed driver has violations or accidents on their record, you may end up with higher premiums.

In many cases, the insurance company will list you as an excluded driver, which means you are not allowed to drive the vehicle under that policy. If you do, and an accident occurs, the insurer will not cover the damage. Keep in mind that driving without a license is illegal, regardless of your insurance status.

READ: Car Insurance Quotes New Driver

How to Get Car Insurance Without a License| Car Insurance Quotes Without Driver License

Getting car insurance without a driver’s license may seem tricky, but there are several ways to make it work. Below are some options to consider:

Add a co-owner to your vehicle title

If you are struggling to find an insurer that will cover you without a license, adding a licensed co-owner to your car’s registration could help. This process is usually straightforward: you will need to file a form with your state’s DMV and pay a fee to officially add a co-owner to the vehicle.

Work with an independent insurance agent

Independent agents can shop around for you and find coverage from a range of companies. They often have access to insurers that are more willing to offer policies for unlicensed drivers. Plus, they can help you navigate the process to ensure you get the best deal.

List a licensed driver as the primary driver

If you don’t drive but need insurance for your car, you can often list someone else as the primary driver. This person is typically a member of your household, but rules vary by insurer. This way, your car can still be covered even though you’re not behind the wheel.

Consider parked-car insurance

If you are parking or storing your car for a while and won’t be driving it, you might be able to buy parked-car insurance or storage coverage. This type of policy protects your vehicle against theft, fire, or vandalism while it’s off the road.

Be listed as an excluded driver

Some insurance companies allow you to be listed as an excluded driver. This means your car will be insured, but if you drive, you won’t be covered. Keep in mind that driving without a license is illegal, and this option doesn’t provide protection if you decide to take the wheel.

Car Insurance Companies for Unlicensed Drivers| Car Insurance Quotes Without Driver License

Not all car insurance companies offer coverage to unlicensed drivers, but some do. Here are a few options for those needing car insurance without a driver’s license:

GEICO

GEICO may allow you to purchase insurance and list a licensed driver as the primary driver. Your premium will depend on your driving history.

Progressive

Progressive offers flexibility for unlicensed car owners, letting you list a licensed driver. They provide various coverage options, so it’s worth inquiring.

State Farm

State Farm may insure your car if you don’t have a license, as long as a licensed driver is listed. They offer competitive rates for different needs.

Allstate

Allstate may cover your car with a licensed driver listed as the primary driver, even if you don’t have a license.

Local and regional insurers

Smaller, regional insurance providers may also accommodate unlicensed drivers. Independent agents can help find these options.

Although it is not typical, you can still get car insurance quotes without a driver’s license. The key is having the right information and being ready to list a licensed primary driver on the policy. Visit the website for more information. I hope the provided information is helpful. Share your thoughts below in the comment section.

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