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July 21, 2017

Can I Get Insurance Without a License?

A driver's license serves as most people's primary identification card, but what happens if you've never received one or have had yours suspended? Most insurance companies are unable to insure you without a valid driver's license. Fortunately, there are still a few companies that will help you find the best coverage for your needs.

No license? No problem?

Without your license, insurance companies are not able to access your driving record, therefore, are unable to determine your risk factor. For this reason, most insurance carriers will turn away anyone who doesn't have a proper license. However, some carriers are still able to offer low insurance rates because ultimately, it benefits everyone when more drivers on the road are carrying insurance. These companies take on that risk to make sure that everyone is able to get the coverage they need. Without a license, there are still various forms of identification that you can use to help you get insurance.

Acceptable forms of Documents:

    • State ID
    • Matricula/Passport
    • Temporary License
    • Suspended License
    • International Driver's License
    • Any other government issued identification card

Is it legal to buy insurance without a license?

It's completely legal. Insurance carriers that offer this option have received approval from the Texas Department of Insurance that allows them to insure the high risk drivers that most other insurance carriers cannot cover. This ensures that everyone – regardless of credit history, driving record, background, etc. – is able to obtain the protection that they need on the road.

So, what's the catch?

There's absolutely NO catch! Most Insurance companies that offer this option, help to insure drivers and vehicles with the proper coverage regardless of their status. However, in any case, you shouldn't be driving a vehicle without your license and you are still susceptible to getting a ticket if you are caught without it. Nonetheless, in the event of an accident, you can avoid a double whammy in fines and have one less payment to make when your car insurance helps to cover the cost of damages up to your policy limit.


Get the protection you need in case of an accident. A-MAX Auto Insurance works with multiple insurance carriers, so we do the shopping for you. Stop by any of our 100+ offices around Texas and ask our experienced agents about getting insurance without a driver's license and we will help you find the best rate for the coverage you need!


A-MAX Auto Insurance and its affiliates do not provide tax, legal, immigration or accounting advice. This material has been prepared for informational purposes only. You should consult your own advisor before engaging in any transaction. Rates depend on age, sex, driving record, etc.

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