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
- Enter your ZIP code and vehicle info
- List the licensed primary driver
- 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.