Getting Car Insurance With No License

Can you get car insurance without a license? Insurance companies regularly offer car insurance coverage to customers without driver's licenses. Protecting a vehicle kept in storage, insuring another household member, and obtaining insurance while still in the process of getting a driver's license are some of the most common reasons for obtaining car insurance with no license. Most major car insurance companies will provide car insurance to someone without a license.

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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: Apr 1, 2022

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Here's what you need to know...

  • You can get car insurance without a driver’s license. Most major insurance companies are familiar with helping people who own but don’t drive a car find coverage that’s right for them
  • To obtain car insurance without a license, you’ll usually have to list yourself as an excluded driver on your policy, meaning you, specifically, are not insured to drive your car (the car itself is still covered)
  • The type of coverage you need as someone without a license depends on how you plan to use the car you’re insuring. A collector’s car kept in storage requires different coverage than one driven by another member of your household

Can you get car insurance without a license?

The short answer is yes.

If you’re a classic car collector, want to purchase coverage for another household member, or are currently obtaining your license, you may be someone to whom insurance companies will sell car insurance, even if you don’t have a license.

You may want to purchase car insurance with no license for any number of other reasons, too. Whatever your situation looks like, we’re here to help you find out everything you need to know to find coverage that meets your needs. Read on for information on how to obtain insurance without a license, what car insurance companies to contact first, and what type of insurance to ask for depending on your coverage requirements.

Looking for affordable car insurance of any sort? Enter your ZIP code in our free online tool to compare rates and find coverage that’s right for you.

How can you buy car insurance with no license?

Buying car insurance without a driver’s license is not only possible but also relatively easy. Whether you’re a collector who wants to protect your classic car with collector car insurance or are buying insurance for someone else in your household, most major car insurance companies have seen a case like yours before and are prepared to set up a policy for you.

While certain car insurance companies may not offer coverage to individuals without a driver’s license, you should still have a wide variety of options when comparing insurance.

In general, you can purchase insurance as someone without a license as long as you list yourself as an “excluded driver” on your policy. An excluded driver is someone who your insurance specifically doesn’t have to cover, so if you do obtain your driver’s license, make sure to update your policy so you’re no longer excluded from coverage.

Why would you exclude a driver on your car insurance policy?

If you don’t want to pay an increased monthly rate for a household member who won’t actually be driving a car you own, you can have them “excluded” from your policy. An excluded driver is anyone listed on an insurance policy that will explicitly not be covered in the event that they drive your insured car and are involved in an accident. Basically, your insurance company expects that any excluded driver won’t be driving the car on your policy.

Being listed as “excluded” on your car insurance policy is one of the best ways to obtain car insurance with no driver’s license. Why? Because you avoid paying a higher rate to cover someone who won’t drive your car (yourself), and you still receive coverage for your vehicle and anyone else in your household who you want driving the insured vehicle.

If you’re an excluded driver on your own policy, it’s also easier to change your insurance status if you decide to obtain a driver’s license. In most cases, you can simply contact your insurance company and ask to be listed as a “rated” driver, meaning you will be covered by your insurance, and this will be reflected in your adjusted rate.

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Where can you buy car insurance with no license?

Even if you don’t have a driver’s license, you still have a variety of options when purchasing car insurance. Which insurance company is most affordable for you depends mostly on where you live and what specific vehicle you want to insure. It’s always a good idea to spend time comparing multiple coverage options before making a final decision.

The Insurance Information Institute recommends looking for an insurance policy intended specifically for classic cars if you’re trying to insure an exotic/luxury vehicle, a modified vehicle, or a classic car that’s around 25 or more years old.

When comparing your coverage options as a customer without a license, you may find it helpful to start with the ten largest car insurance companies in the United States:

  • State Farm
  • GEICO
  • Progressive
  • Allstate
  • USAA
  • Farmers
  • Liberty Mutual
  • Nationwide
  • American Family
  • Travelers

What type of coverage should someone with no driver’s license purchase?

What type of coverage you should purchase (and how much of it you need) depends entirely on why you want to obtain car insurance as someone without a license. Take a look at the table below for a comparison of the different car insurance options available to you if you don’t have a driver’s license.

Coverage typeBest for
Only comprehensive coverageA classic car collector or someone else who owns a vehicle but doesn't intend to drive it in the near future
Comprehensive, collision, and liability coverageSomeone who either plans to drive their car in the near future or has someone else in their household who will
GAP insurance (in addition to other coverage)Someone who is financing their car and still owes money on the loan
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What to Remember About Getting Car Insurance With No Driver’s License

  • You can buy insurance without a driver’s license. This is common for individuals who are still in the process of obtaining their license as well as for people who don’t drive but have someone else in their household who does
  • Most major car insurance companies will offer coverage to you even if you don’t have a license as long as you explain your situation. Generally, you’ll just have to list yourself as an excluded driver on your policy, so it’s clear that you won’t be driving without a license
  • The type of car insurance coverage you should obtain if you have no license depends on how you plan to use the car you want to insure. Comprehensive insurance may be all you need if you’re a classic car collector, but you’ll likely need more coverage if you know someone will be driving the insured vehicle

Even if you don’t have a driver’s license, you still have a variety of options to choose from when comparing insurance companies. Looking for the most affordable insurance coverage? Find out how much you could save on insurance by entering your ZIP code in our free online quote tool.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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