Where can I get auto insurance without a license?
You can get auto insurance without a license but not every insurance company will allow it. If you need an SR-22 form or coverage for a parked car, you can refine your search for insurance by reaching out to companies like Allstate, Erie, The General, or State Farm. Individuals who own a car but need someone else to drive it can list their chauffeur as the primary driver on the policy but always check in with your insurance company to verify that such a maneuver is allowed.
Read moreFree Auto Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
UPDATED: Jan 28, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jan 28, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- You can buy auto insurance without a license
- Contacting an insurance representative directly and explaining your situation could make the process easier
- You can shop for free insurance quotes online
It may seem odd to buy auto insurance without possessing a driver’s license, but there are actually quite a few reasons why you may need to do just that. If you find yourself in a situation where you need an auto insurance policy but don’t have a driver’s license, it can be rather difficult to find cheap insurance without a license.
While you may have been spending your time conducting internet searches for “cheap car insurance without a license near me,” or “no license car insurance near me,” you can use this guide instead to help you discover how to get insurance without a license and recognize which scenarios would require you to do so in the first place.
If you’ve ever wondered where you can get auto insurance without a license, enter your ZIP code to start comparing free insurance quotes today.
Where can you apply for insurance quotes without a license?
Can you get auto insurance without a driver’s license? Yes, you can, but you may have to spend a bit more time than most insurance shoppers looking for a company that will extend coverage to you. You may want to consider applying for quotes at insurance companies like State Farm, Erie, The General, or Allstate.
Shopping for insurance online is a great way to find auto insurance companies that you may be interested in working with. You may need to call each company’s insurance representative to explain your unique situation and why you are applying for a policy without a license.
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
Why would you need to buy auto insurance without a license?
It may seem odd to purchase auto insurance when you have no plans of driving a car yourself, but there are several reasons why you may still want the protection provided by an insurance policy. These may include:
- Health reasons
- A caregiver is driving a car you own
- You are a student driver
- You don’t drive, but a teen driver in your household does.
- You own a classic car
- Your license is suspended
For example, if you are in a situation where you are unable to renew your license, either temporarily or permanently, but you intend on keeping your vehicle, you will still need auto insurance. This will be true even if the vehicle is in storage or just sitting in your driveway.
Avoiding any lapses in coverage is also important if you want to preserve your rates. If your situation were to improve and you were able to renew your license, renewing after a break in coverage could mean paying more than you had before.
An inability to drive doesn’t mean that your car won’t be in use. Senior drivers who give up their license may need to maintain their auto insurance policy if their car is going to be used by a caregiver to drive them about to run errands or get to appointments.
Even very young individuals who don’t have a license may still need an insurance policy. For instance, if a teenager has their permit, they will need car insurance which is typically provided by their adult guardian, although some older teenagers will be able to purchase their own policy.
If you own a classic car that is more the jewel of your garage rather than your regular cruiser, you’ll need insurance to protect that as well from anything that could damage it while in storage.
If you were an active driver but had your license suspended for any reason, you will most likely require an active insurance policy and an SR-22 certificate as prerequisites to have it renewed.
You now know why you may need to purchase auto insurance without a license so let’s take a closer look at how you can get a policy even if your license isn’t up-to-date.
Read more:
- Do you have to have a driver’s license to buy auto insurance?
-
What happens if you drive without a license and get stopped by the police?
How to Get Auto Insurance Without a License
You, as an unlicensed driver, can buy auto insurance, but knowing how to get a policy will make your shopping experience much easier. You can increase your chances of procuring the coverage you need by taking these steps while shopping for an insurance policy:
- Request an SR-22 form.
- List another person as the driver.
- List yourself as an excluded driver.
- Request parked car coverage.
If you need an SR-22 form, you can refine your insurance search by only requesting quotes from companies that offer this form, like State Farm or Erie.
If you cannot physically drive yourself anymore but still own a car, you can buy a policy but list another person as the driver. This is easier to do if the person lives in your household, but you should always reach out directly to your insurance representative to verify that the company you want to work with will allow you to do this.
You can even add yourself as an excluded driver on the policy. Bear in mind that even if you were to get your license back, the policy coverage would not be extended to you if you were to get into an accident while driving the car.
Inquiring with an auto insurance provider such as Allstate regarding coverage for parked cars could potentially be one of the simplest methods for obtaining insurance without a license. If you’re wondering, can you get auto insurance without a license? exploring options with companies like Allstate may provide the answers you seek.. It is important to note that if you were to purchase such coverage, the car could not be driven by anyone. If you did want to get the car back out on the road, you would need to contact your insurance company and request that the policy be upgraded to a standard auto insurance policy.
What You Need to Know About Buying Auto Insurance Without a License
Drivers who don’t have an active license can purchase car insurance, but some drivers may have an easier time of it than others. If you have been charged with a DUI and need an SR-22 form to regain your license, you can search for companies that offer that form and reach out to them directly.
Of course, if you are someone who owns a car but can no longer drive, you could always purchase a policy and list your caregiver or whoever would frequently be driving your car as the primary driver.
Essentially, you can streamline your policy shopping experience by requesting quotes online, finding the best policies of the bunch, and then reaching out to insurance companies that offer those policies directly so you can verify that your policy can be customized to fit your specific needs.
So, where can I get auto insurance without a license? You can enter your ZIP code to get free quotes and discover the best insurance company for you.
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
Frequently Asked Questions
Can you buy a car without a license?
You can certainly purchase a car without having a driver’s license, but you should be prepared to encounter some roadblocks. Most dealerships need to see proof of insurance before you can finalize your purchase, and you will need to bring a licensed driver with you so you can take your new car home.
Can I get Geico insurance without a license?
It is possible to add a driver with a learner’s permit to an existing Geico policy, but you will likely need a license if you wish to buy a new auto insurance policy from Geico.
Can you get car insurance without a license in Florida?
If you plan on driving the car yourself, you must have a valid license. If someone else will be driving a car that you own, you should reach out to an insurance company directly to see if you can get a policy that fits your needs.
Can you get car insurance without a license in Michigan?
Once again, if you are going to be driving a car, your license must be in good standing. Of course, if you cannot drive and need someone else to use your car to run errands or chauffeur you to appointments, ask your insurance company if you can list another person as the primary driver or even exclude yourself from the policy.
Frequently Asked Questions
Is it possible to get auto insurance without a license?
Generally, auto insurance companies require you to have a valid driver’s license to purchase a policy. However, there are a few alternatives and considerations available in certain situations.
Are there any options for obtaining auto insurance without a license?
Yes, there are a few potential avenues to explore if you don’t have a driver’s license, here’s the top three on the list:
- Insure the vehicle
- Named driver policy
- Non-owner car insurance
Can I insure a car in my name if I don’t have a license but someone else will be driving it?
Yes, it is possible to insure a vehicle in your name even if you don’t have a license, as long as there is a licensed driver who will be the primary user of the vehicle. You can discuss this option with insurance providers to determine the best course of action.
Will insurance companies ask for a license when purchasing auto insurance?
Yes, most insurance companies will typically ask for a valid driver’s license when you apply for auto insurance. It is a standard requirement to verify that you are a licensed driver. However, there are some exceptions and alternative options available, as discussed earlier.
Can I get auto insurance without a license if I am a learner driver?
Generally, insurance companies require you to have a valid driver’s license, even if you are a learner driver. However, some insurance companies offer policies specifically designed for learner drivers. These policies usually require a licensed driver, such as a parent or guardian, to be present in the vehicle while you are driving.
Are there any specific documents or requirements for getting auto insurance without a license?
The specific documents and requirements can vary depending on the insurance provider and the option you choose. Generally, you will need to provide personal information, details about the vehicle, and information about the licensed driver who will be using the vehicle. It is best to contact insurance companies directly to inquire about their specific requirements.
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.