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Cheap Auto Insurance for Unlicensed Drivers in 2024 (10 Most Affordable Providers)

If you don’t have a driver’s license, there are still some auto insurance options available in certain situations.

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Written by:

Brandon Frady

Licensed Insurance Agent

Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...

Licensed Insurance Agent

Reviewed by:

Ty Stewart

Licensed Insurance Agent

Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications.  As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...

Licensed Insurance Agent

UPDATED: May 18, 2024

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto 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 companies please enter your ZIP code on this page 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: May 18, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto 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 companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Cheapest for Drivers: State Farm17,754 reviews 4.09 Table of Contents Toggle Company FactsMin. Coverage for Unlicensed DriversA.M. Best RatingComplaint LevelCompany FactsMin. Coverage for Unlicensed DriversA.M. Best RatingComplaint LevelCompany FactsMin. Coverage for Unlicensed DriversA.M. Best RatingComplaint LevelPros & Cons

Table of Contents

Company Facts

Company Facts

Company Facts

Pros & Cons

If you don’t have a driver’s license, you may assume you can’t get insurance coverage for your vehicle. Fortunately, some companies will allow people without a driver’s license to get car insurance under specific conditions.

To find the best auto insurance companies in your area that offer coverage to people without a driver’s license, you should shop online and compare quotes. Doing so will help you determine which company provides the coverage you want for the best price.

Read more: Affordable Auto Insurance Quotes for Rideshare Drivers

What You Should Know [pki_readmore copy='Average Cost of Auto Insurance' link='https://www.4autoinsurancequote.com/average-cost-auto-insurance/']

#1 – State Farm: Top Overall Pick

Pros

Cons

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#2 – Progressive: Best Military Discount

Pros

Cons

#3 – USAA: Flexible Options Leader

Pros

Cons

#4 – Nationwide: Top Roadside Assistance

Pros

Cons

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#5 – The Hartford: Discount Leader

Pros

Cons

#6 – AAA: Claims Process Champion

Pros

Cons

#7 – Farmers: Personalized Service Advocate

Pros

Cons

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#8 – Liberty Mutual: Customized Policies Specialist

Pros

Cons

#9 – Allstate: Online Convenience Expert

Pros

Cons

#10 – MetLife: Financial Strength Leader

Pros

Cons

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Can I get car insurance without a license?

You can get auto insurance without a license, though why you’re without a license may determine whether you’re eligible for coverage with most insurance providers. 

Still, finding auto insurance without a driver’s license is possible with certain companies. Having proper insurance on your vehicle does not mean you’re allowed to drive. You won’t be able to drive an insured car until you have a valid, U.S.-issued driver’s license. 

How do I get car insurance without a license?

Because many companies won’t offer affordable non-owner SR-22 auto insurance, you will probably have to research to find a good company willing to cover you. However, there are a few things you can do to find out how to get auto insurance coverage quickly.

Read more: Can I buy auto insurance without a driver’s license?

Ask About SR-22 Coverage

If you have a suspended driver’s license, you may be required to file for SR-22 auto insurance with your state to prove financial responsibility. You can search for a company in your area that provides SR-22 filings and purchase coverage with that company.

Your state should eventually reinstate your license, and you should be able to drive with the insurance coverage you have on your vehicle. However, remember that your rates will likely be higher than average because you’re considered high-risk, and how much high-risk auto insurance costs is generally high.

Read more: Affordable Non-Owner SR-22 Insurance

List Someone Else As the Driver

If you own a vehicle, but someone else drives you around, you may be able to list that person as the primary driver on the policy.

Most companies require that a primary driver lives in the same household as the car owner. Still, you can speak with a representative from any insurance provider you’re considering to learn more about that company’s rules and regulations. 

List Yourself As an Excluded Driver

An excluded driver is someone who is not covered by an insurance policy. So if you have an insurance policy and someone else is listed on the policy with you, speak with your provider to see if you can exclude yourself from coverage and keep the same policy.

This could help you avoid shopping for a new policy without having a driver’s license.

Add A Co-Owner

If you run into issues purchasing a car insurance policy without a driver’s license, you may be able to add a co-owner to the policy. If that person has a driver’s license, it could make finding and purchasing car insurance a lot easier.

Companies have different co-owner rules, so you’ll need to research which companies in your area allow you to list a co-owner.

Get Parked Car Coverage

If you plan to garage your vehicle, you can purchase coverage for your parked car. Storage coverage is a lot like comprehensive car insurance coverage , and it covers your vehicle with regard to non-driving-related incidents, such as:

You may find it easier to purchase storage coverage if you don’t have a driver’s license, but you’ll still have to shop and compare quotes to see which companies offer what you’re looking for. 

What insurance companies will insure you without a license?

Many insurance companies will not consider covering you if you don’t have a valid driver’s license.

Some of the companies that are known for offering coverage to people without a driver’s license include:

Other companies may be willing to offer coverage to you if you don’t have a license, but you’ll have to research your options and speak with representatives from each company to learn more. 

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How much is car insurance without a license?

Finding car insurance can be difficult if you don’t have a driver’s license. But if you do, you can expect to pay higher-than-average rates for coverage.

Below is a table including the annual rates from the top insurers comparing minimum coverage versus full coverage car insurance.

Shopping online could help you find cheap car insurance near you. Through research,  uncover affordable auto insurance options tailored to their needs and budget. This proactive approach empowers individuals to make informed decisions and potentially save significant amounts on their premiums.

Should I buy car insurance without a license?

You may think it sounds silly to purchase car insurance if you don’t have a driver’s license. But if you have a car, you should have insurance on the vehicle. There are a few reasons why a person may want to consider buying a car insurance policy without a driver’s license. 

Your Health Prevents You From Driving

If your health is a temporary reason why you cannot drive your vehicle, you should try to maintain a car insurance policy on the vehicle. However, in many cases, once your health stabilizes and you get a driver’s license again, finding a new, affordable policy can be challenging if you have a lapse in coverage. That is one of the dangers of letting your auto insurance lapse.

Sometimes, it’s best to keep your policy and continue paying the premiums even when you’re not driving. 

Someone Drives You Around

If you don’t have a license, but someone else drives you around in your vehicle, you should consider purchasing coverage on the car. 

Since auto insurance follows the car rather than the owner, the vehicle would not have proper insurance coverage when a caregiver drives you around to run errands or make it to specific appointments.

Maintain at least your state’s minimum auto insurance coverage required on any vehicle someone else uses on your behalf. 

You’re a Young Driver

If you drive a vehicle with a restricted license, you still need auto insurance on the car you drive. 

This coverage usually comes through your parents or guardians, but you may want to check with the insurance company to see if you should be listed on the policy.

You Have a Student Driver in Your Home

If you don’t drive a car, but your student driver does, you need proper coverage on your vehicle. Otherwise, you will have to pay for all damages and repairs if your child gets into an accident.

You may also end up with a hefty fine and even more severe consequences.

You Own a Classic or Vintage Car

You should have at least comprehensive coverage if you own a car that is considered a classic car. If you don’t drive your vehicle around, it could still incur damage from falling debris, inclement weather, and vandalism.

A parked car insurance policy could protect your vintage car.

Your License Is Suspended

If you own a car but have a suspended license, you should try to maintain coverage on your vehicle. You may be required to file an SR-22 with your state. If that’s the case, you will need to find an insurance provider that will provide adequate coverage for you while you cannot drive your car. Just remember that there are consequences for driving with an expired license.

Car Insurance for Unlicensed Drivers: The Bottom Line

If you don’t have a license, you may think you don’t need insurance. But anyone who owns a car should have coverage on the vehicle. 

Speak with your insurance provider to see what kind of coverage you need based on your unique circumstances. If the rates for coverage seem too expensive, shop online and compare quotes to find auto insurance that works with your budget.

Frequently Asked Questions

Do I need insurance if I have a car but don’t have a license?

Do I need insurance if I have a car but don’t have a license?

Yes, if you own a vehicle, it is still recommended to have insurance coverage, even if you don’t have a driver’s license. Insurance protects your car from various risks, including damage from non-driving-related incidents.

How can I get car insurance without a license?

How can I get car insurance without a license?

Finding car insurance without a license can be challenging, as many companies require a valid driver’s license for coverage. However, there are a few options you can explore:

Can I add a driver to my car insurance policy if they have a suspended license?

Can I add a driver to my car insurance policy if they have a suspended license?

The ability to add a driver with a suspended license to your car insurance policy depends on the policies of the insurance company. It’s best to contact your insurer for specific information regarding their guidelines.

Is it advisable to have car insurance without a license?

Is it advisable to have car insurance without a license?

Yes, it is advisable to have car insurance without a license for various reasons, such as health issues, having someone drive you, being a young driver, owning a classic car, or having a suspended license.

How much is car insurance without a license?

How much is car insurance without a license?

The cost of car insurance without a license can vary depending on factors such as the insurer, coverage type, and your specific circumstances. Rates are generally higher for individuals without a license.

Compare over 200 auto insurance companies at once!

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Written by:

Brandon Frady

Licensed Insurance Agent

Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...

Licensed Insurance Agent

Reviewed by:

Ty Stewart

Licensed Insurance Agent

Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications.  As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...

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.

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4AutoInsuranceQuote.com has one simple mission – to help consumers learn about auto insurance and get free auto insurance quotes online. We aim to be your first stop for auto insurance questions and to save you money on your auto insurance with our free policy quotes from the trustworthy companies in our nationwide network of auto insurance providers.

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