Unlicensed drivers and those with a suspended license may be able to purchase a car insurance policy from Geico or through a local, independent provider.
Discover if you are overpaying for car insurance below.
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Unlicensed drivers and those with a suspended license may be able to purchase a car insurance policy from Geico or through a local, independent provider.
Discover if you are overpaying for car insurance below.
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Getting car insurance with no license isn’t the easiest task. If you own a car, most states require you to insure it. But many insurance companies won’t sell policies to unlicensed drivers. We at the MarketWatch Guides team have the process, and we’ll guide you through how to shop for car insurance with no license.
Key Takeaways:
Getting car insurance with no license is tricky, but it’s not out of the question. Most national insurers — like State Farm, Progressive or Travelers — won’t sell car insurance to a driver who doesn’t have a valid driver’s license. However, some smaller and more localized insurance companies may be more familiar with your state’s guidelines and have options for unlicensed drivers.
When you’re looking to compare car insurance quotes from local providers and independent insurance agents, it’s best to call directly since most companies’ online tools require you to provide your driver’s license number to proceed.
Having a valid driver’s license is the easiest way for an insurer to access your driving record. When calculating your insurance quotes, providers look at your driving history and other factors to determine how risky you would be as a policyholder. Without a valid driver’s license number, providers have a harder time accessing your records. That’s why insurance companies generally look at unlicensed motorists as high-risk drivers.
Though it’s difficult to get car insurance with no license, there are some methods experts tend to recommend.
Because getting car insurance as an unlicensed driver is so difficult, it’s important to work with an agent who understands your situation. Here are some of the most common reasons you would need to get car insurance with no license:
If your license has been revoked, say for a DUI conviction or multiple traffic violations, the state may order you to get SR-22 insurance. SR-22 insurance isn’t actually an insurance policy. It’s a form that an insurer files with the DMV to prove you have the state’s minimum liability insurance. Essentially, it’s a statement of financial responsibility.
If you no longer drive due to disability, age or any other reason, you may still own a car but have a friend, family member or caregiver drive it for you. In these instances, you may want to purchase car insurance but list yourself as the excluded driver.
Say you’ve purchased a car for your teen driver. Depending on the insurance carrier, you may be able to buy an insurance policy that covers your teen’s car under your name. In this scenario, you would list your teen as the primary driver and yourself as the excluded driver. This option may be more expensive than simply adding your teen to your existing insurance policy.
Adults with driver’s permits may have a harder time getting cheap car insurance. If you have your permit but don’t yet have a valid license, contact local agents to find an insurer with more lenient requirements.
If you bought a classic car but don’t plan to drive it, you may still want to insure that valuable asset. Some insurance companies offer classic car insurance, which is generally more affordable than regular car insurance, especially if you’re not driving the vehicle.
When you’re storing a vehicle that doesn’t qualify as a classic car, consider buying comprehensive insurance. A comprehensive-only policy will cover your parked or stored car in the event of non-collision property damage like theft, vandalism or natural disaster.
Even if you don’t have a license, almost every state requires any vehicle that will be driven to be insured. And even if you can’t drive the car, you still need insurance to protect your car if it’s being driven by someone else or is parked where it could be damaged.
You don’t always need a driver’s license to purchase a vehicle. But many dealers will be wary of unlicensed customers, and you won’t be able to drive it off the lot. You don’t necessarily need a license to register a car either, but you will need proof of insurance, which is why it’s important to have coverage.
Buying car insurance is a lot more difficult if you don’t have a valid driver’s license. While most national providers don’t offer insurance to unlicensed drivers, independent agents and local insurers may be able to help you find the coverage you need.
There are several ways to get car insurance with no license, including listing yourself as an excluded driver, adding a co-owner to your registration and purchasing car storage insurance. If your license has been suspended, you can have your insurance company file an SR-22 form to show financial responsibility.
Not every auto insurance company will sell a policy to an unlicensed driver. In our industry-wide roundup of the top insurance providers, we found that only Geico offers auto insurance policies to drivers without a valid license.
However, smaller, localized insurance providers may provide policies for unlicensed drivers on a case-by-case basis. Before committing to a Geico policy, be sure to compare quotes from these providers as well.
Geico is one of the largest and most affordable insurance providers in the country. For drivers with no license, Geico provides minimum liability coverage only. The company also offers several ways to save on car insurance for licensed drivers, including usage-based insurance and more.
Read more in our Geico insurance review.
Below are some frequently asked questions about getting car insurance with no license.
Yes, you can get car insurance without a driver’s license, but you’ll need to list yourself as an excluded driver on the car insurance policy. Even then, it can be difficult because some insurance carriers won’t sell a policy to an unlicensed driver.
Yes, you can buy car insurance with a suspended license, but you’ll likely need to get a restricted license or have your insurer file an SR-22 form with the state.
Some insurers will allow someone to purchase auto insurance without a driver’s license if they designate someone other than themselves as the primary driver on a policy. You can also change your car registration to list a licensed driver as the co-owner of your vehicle. Other options include getting parked car insurance — comprehensive coverage — or applying for SR-22 insurance.
Yes, every state (except Virginia and New Hampshire) requires all vehicles to be insured, whether you have a driver’s license or not.
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies.
We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Here are the factors our ratings take into account:
Our credentials:
*Data accurate at time of publication.