Car Insurance Without a License: What Are Your Options?

Need car insurance but don’t have a valid driver’s license? You still have options.

Can You Get Car Insurance Without a License?

Yes — in many cases, insurers will allow you to list a licensed primary driver, even if you yourself don’t have a valid license. This often applies to:

  • Teen drivers with guardians
  • Older adults who no longer drive
  • People insuring a vehicle for someone else

Reasons You May Need This Coverage

Vehicle Ownership

You own a car but don’t drive — you may want it insured for legal or financial protection.

Teen or Family Driver

You’re insuring the vehicle for a family member who has a license.

Revoked or Expired License

You lost your license but need to maintain insurance coverage to avoid gaps.

How to Apply

  1. Enter your ZIP code and vehicle info
  2. List the licensed primary driver
  3. Review your quote and coverage options

Frequently Asked Questions

Can I insure a car without a license?

Yes. Some insurers allow it, especially if you list a primary licensed driver.

Will my rates be higher?

Possibly, depending on who is listed as the driver and the policy type.

Can I get SR‑22 without a license?

It’s possible in some states. Check with a provider.

Do I need to be listed as excluded?

Yes — if you’re unlicensed, some insurers may require you to be excluded from driving.