Compare Car Insurance Companies That Insure Unlicensed Drivers [2021]

Car insurance companies that insure unlicensed drivers are hard to find. Unlicensed drivers are considered high risk. Therefore, an unlicensed driver could pay at least 20% more for auto insurance. Shop around and compare multiple local auto insurance companies that insure unlicensed drivers to get the best rates.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Sep 21, 2021

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Here's What You Need to Know

  • Unlicensed drivers, such as teen drivers, can get car insurance coverage through parents or legal guardians
  • Car insurance companies may not insure your vehicle if you have a suspended license
  • Your car insurance rates can increase by at least 20% for having no driver’s license

Are you looking for auto insurance companies that insure unlicensed drivers? Buying car insurance without a driver’s license is tough, but there is a way.

Can you get auto insurance without a license? How can you get no license car insurance? Keep reading to find affordable car insurance companies that insure unlicensed drivers and which car insurance discounts provide more affordable rates per year.

Ready to buy car insurance from car insurance companies that insure unlicensed drivers? Enter your ZIP code in the online quote tool above to compare free car insurance quotes from the best companies in your area.

What are the best car insurance companies that insure unlicensed drivers?

The best auto insurance companies for unlicensed drivers are smaller, local companies, and you may be required to work with an agent. You’ll also need to find a dealership that will allow you to drive off the lot as an unlicensed driver.

Some car insurance companies and car dealers are flexible to various situations. Only a few companies may allow you to get insurance without a license, but parents and legal guardians who have unlicensed teen drivers may find it easier to add their teens to their current policy.

Teens are often added as drivers to a parent’s auto insurance policy. Therefore, insuring unlicensed teens is more likely at more significant companies.

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Is car insurance expensive for unlicensed drivers?

The short answer is yes. Unlicensed drivers and drivers with suspended licenses are high-risk drivers.

When a car insurance company agrees to give you a policy as an unlicensed driver, your car insurance rates could be at least 20% more expensive.

But what does that look like? Let’s look at a list that compares the average cost of auto insurance to high-risk auto insurance.

  • Average Car Insurance Rates – $121/month
  • Average High-Risk Car Insurance Rates – $230/month

Various car insurance companies produce different rates, and you could pay more at some insurance companies. To find cheaper car insurance rates, you may have better luck at companies like The General, Good2Go Auto Insurance, or Dairyland for high-risk and unlicensed drivers.

Can unlicensed drivers get car insurance discounts?

It depends on the company. Unlicensed drivers have to pursue a valid driver’s license to keep their auto insurance policy.

As you make progress, you may be eligible to receive discounts. Here are a few deals you should target.

  • Good Student Discount
  • Safety Features Discount
  • Multi-Policy Discount
  • Defensive Driver Course Discount

It’s challenging to convince a company to give you an insurance policy if you don’t have a license. You may not qualify for many discounts as long as you remain an unlicensed driver.

Are unlicensed drivers covered by car insurance?

It depends on the company. Some auto insurance companies allow teen drivers with a learner’s permit to be added to a policy. However, adult drivers without a license may not have that privilege.

If you have a suspended license, you may be ineligible to purchase a new insurance policy.

But if you have a court order to get auto insurance, you’ll need to report to your local DMV and ask them to assign you to a company. This usually comes with SR-22 certification.

SR-22 confirms that you have the minimum auto insurance requirements as a high-risk driver.

What about car insurance companies that don’t insure unlicensed drivers?

The most prominent auto insurance companies may not insure unlicensed drivers.

Car insurance companies use the Motor Vehicle Report (MVR) to calculate your car insurance quotes. The MVR looks at your overall driving history, prevents fraud, and protects drivers from unsafe vehicles.

A driver’s license is connected to your MVR, and unlicensed drivers may not appear in the report. Therefore, insurance companies with the top market share won’t insure unlicensed drivers.

What You Need to Know About Car Insurance Companies That Insure Unlicensed Drivers

It’s not likely that you’ll get auto insurance coverage with a large, reputable company when you’re an unlicensed driver. Even small companies require you to register your car and pursue a valid driver’s license.

We recommend that you make an effort to become a licensed driver before you shop for car insurance.

Now that you know more about car insurance companies that insure unlicensed drivers, use our free online quote tool to compare multiple insurance companies in your area.

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Frequently Asked Questions: Car Insurance Companies That Insure Unlicensed Drivers

Do you want to learn more about auto insurance coverage for unlicensed drivers? Read these answers to frequently asked questions to learn more.

#1 – Why do I need car insurance without a driver’s license?

The conditions of getting your license reinstated may require you to acquire auto insurance. But you may not get car insurance through the voluntary market, so you’ll need to go to your local DMV to find coverage.

#2 – Can you buy a car without a driver’s license?

It depends on the state. Depending on where you live, you can buy and register a car without a license, but you’ll need to get a driver’s license if you plan on driving.

#3 – How long does SR-22 car insurance last?

SR-22 certification lasts three to five years. After the tenure is up, an auto insurance company will decide if you’re still a risk. If yes, you’ll need to reapply for SR-22.

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