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Auto Insurance For Unlicensed Drivers

Even without a driver's license, you may still need to insure a vehicle. Whether it's because of a suspended license, owning a car that others drive, or protecting a classic car, insurance is available to meet these needs. Get a free quote to start securing your insurance today.

Insurance Without a Driver's License

Even if you do not have a driver's license, you may be required to have a car insurance policy. Insurance without a license can be hard to come by, but a licensed insurance agent, individual insurance company, or online comparative rater such as A-MAX Insurance can help you find a policy that suits your needs.

Reasons You May Need Insurance Without a License

You may need to carry auto insurance for several reasons, even if you do not have an active driver's license.

Your driver's license has been suspended or revoked

• If you have a suspended or revoked driver's license due to your driving history, most states will require by law that you show proof of financial responsibility in the form of an SR-22 filing. If you are required to have an SR-22, you can purchase non-owner car insurance to fulfill this requirement.

• You may also want to buy car insurance without a license if you intend to purchase a vehicle once your driver's license is reinstated. If your license has been suspended or revoked in the past, you are considered a high-risk driver by insurance companies, and high-risk drivers pay higher premiums than drivers without a spotty driving record. If you purchase non-owner car insurance while your license is suspended or revoked, once you have a valid driver's license and purchase a car, you can avoid higher car insurance rates because you have maintained continuous coverage. This will help to mitigate the higher car insurance rates by eliminating a surcharge for not having continuous coverage.

You can no longer drive.

• If you no longer have a driver's license because you are disabled and are no longer able to drive but need to have someone else operate your vehicle to take you places, you will need active liability insurance on your vehicle. If the vehicle is registered in your name, but someone else is driving it, you can purchase insurance for the car and list the primary driver on the policy. This may require that you be listed on the policy as a driver as well but as an excluded driver, which means the policy's coverage will not respond to an accident if you drive the car.

You are insuring a car for a young driver.

• If you have a young driver who needs insurance but they are unable to qualify for car insurance coverage on their own, you can buy an auto insurance policy for the vehicle that is registered to you and add the young driver as the primary operator on the policy. You will be listed on the policy as well, but as an excluded driver.

You collect vehicles that you do not drive or have a registered vehicle in storage.

• If you own a vintage or antique car but do not have an active driver's license, you may qualify for classic car insurance through some insurance companies to protect the vehicle's value if it is damaged, even though it will not be driven on public roads.

• If you have a registered car in storage that is not vintage or antique, you can purchase a car insurance policy from a reputable insurer that provides only comprehensive coverage. This can also be called "parked car insurance". Comprehensive coverage will cover the vehicle for damages not caused by a collision, such as theft, vandalism, fire, or weather while the car is in storage.

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Amy V. ⭐⭐⭐⭐⭐

Amy V. ⭐⭐⭐⭐⭐

A-MAX Military

We are super satisfied with the service we get from Stephanie every time we need a quote, make a payment or even just a simple question…She is super friendly very professional and did I mention very thorough about any information she gives us. I feel like she always goes above and beyond no matter what service we need.Thank you Stephanie we need more people like you in the customer service world!

Nate P. ⭐⭐⭐⭐⭐

Nate P. ⭐⭐⭐⭐⭐

A-MAX Cypress

Lindsey was absolutely amazing, she stayed on the phone with me until the whole process was complete and was very polite! Also, the rates are unbeatable!!! I would put 10 stars if I could but I guess I'll just highly recommend them!

Abelia C. ⭐⭐⭐⭐⭐

Abelia C. ⭐⭐⭐⭐⭐

A-MAX Blackhawk

Vanessa had helped me with a quote and getting started on insurance, she was extremely helpful and gave me an awesome deal!! She was super polite and beyond helpful!!

Miguel C. ⭐⭐⭐⭐⭐

Miguel C. ⭐⭐⭐⭐⭐

A-MAX Closner Blvd

Great customer service! Immediate quote with the best prices in town. I had have them for about six years now and they are always eager to help and give you the best deal.

Richard L. ⭐⭐⭐⭐⭐

Richard L. ⭐⭐⭐⭐⭐

A-MAX Cypress

I have been with them for more than 8 years I have not had any problems very good company!

Lejoan B. ⭐⭐⭐⭐⭐

Lejoan B. ⭐⭐⭐⭐⭐

A-MAX Lake June

Angelica helped with my full coverage insurance in under 20 mins I was all set. Thanks again I’ll be recommending.

Ametrus B. ⭐⭐⭐⭐⭐

Ametrus B. ⭐⭐⭐⭐⭐

A-MAX Garland

If you just need liability insurance, this is the go to place. Lowest prices in town. Friendly agents to work with.

How Do You Get Car Insurance Without a License?

If you meet any of the criteria above, you can speak with an independent insurance agent to purchase coverage for your car that suits your needs. You can also obtain quotes for car insurance through an online comparative rater such as A-MAX Insurance or speak directly to individual car insurance companies. Before reaching out to an agent or looking for a quote online, you will need to make sure that you have the information on your car (year, make, model, and vehicle identification number) as well as the names, dates of birth, and driver's license numbers for anyone who may drive the car. Not every insurance company will offer the insurance that you need, but an insurance agent, insurance company, or online comparative rater can help you find car insurance companies that do.

Can Unlicensed Drivers Get Full Coverage Insurance?

Full coverage insurance includes bodily injury liability, property damage, and comprehensive and collision coverages on your car. If your state also requires other coverages such as medical payments, personal injury protection, or uninsured/underinsured motorist coverages, a full coverage insurance policy will also include these.

If you are not licensed to drive but require insurance for a car you own so that others can drive it, you can obtain full coverage insurance. However, you cannot obtain full coverage insurance if you do not own a car. In this case, you would need to purchase non-owner car insurance coverage, which will provide the minimum required coverage set by your state.

Can an Unlicensed Driver Get Insurance if They Have a Learner's Permit?

A person who has a learner's permit cannot purchase car insurance on their own. All states require that a new driver with a learner's permit practices driving in a registered vehicle and is accompanied by a licensed driver. Typically, a driver with a learner's permit will practice driving with a family member or friend using their car and, subsequently, their car insurance until you obtain your own driver's license number. If you do not have a friend or family member to help you with this, you can attend a driving school, allowing you to drive one of their vehicles while accompanied by a licensed driving instructor. Once you are a licensed driver, you can buy car insurance for a vehicle you own or purchase non-owner insurance to protect you when you borrow or rent a car.

Insurance Without a License FAQs

Q: Why would I need to get car insurance if I do not have an active license?

A: If you own a car that someone else is driving, you will need car insurance to cover the car. If your license has been suspended or revoked, you may be required to file an SR-22 to show financial responsibility, which can only be filed by an auto insurance company. If you collect cars that you do not drive, such as vintage or classic cars, you will want to consider purchasing car insurance to cover the vehicles and protect their value.

Q: Where can I get car insurance without a license?

A: Not all insurance companies will sell car insurance to an unlicensed driver, but you can speak with an independent agent directly with a car insurance company or obtain quotes from insurance companies through an online comparative rater such as A-MAX Insurance to find the best policy that suits your needs.


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