Can I get car insurance without a license?
Not only is it possible to purchase car insurance with no license, but doing so is actually quite common. Whether you want to protect a car you keep in storage or obtain coverage for another member of your household, many car insurance companies are prepared to work with you to set up a policy that meets your needs.
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UPDATED: Mar 3, 2022
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- Yes, you can obtain car insurance without a license
- Someone without a license may have fewer options for auto insurance coverage, but they can still obtain virtually any type of car insurance (including full coverage)
- Someone without a license can purchase auto insurance for another member of their household by listing them as a driver on an insurance policy
Initially, it may seem a bit peculiar to envision someone buying auto insurance without a driver’s license. After all, if you can’t drive a car, why would you want to insure one? As it turns out, there are plenty of reasons why you may want to purchase insurance without a license. Perhaps you’re currently taking steps to obtain your license and want to have coverage as soon as you’re able to drive. In addition, you could own a vehicle that another household member drives. Or perhaps you’re a classic car collector and want to protect your automobiles even if you don’t drive them.
Whatever your reasons for buying car insurance with no license, we’re here to help you obtain the coverage you want. We’ll walk you through the steps involved when purchasing auto insurance without a license, give you an idea of your available options, and help you decide between the different types of car insurance coverage.
Are you looking for affordable car insurance of any sort? Then, please enter your ZIP code to compare rates and find coverage that’s right for you.
Where can you buy car insurance without a driver’s license?
Whether you’re attempting to protect a vehicle that you keep in storage or want to purchase freeway insurance with no license, there are plenty of insurance companies that offer car insurance coverage to individuals without driver’s licenses.
There’s no avoiding the fact that it is more difficult to find no license car insurance coverage. Some insurance companies won’t be comfortable with selling insurance to someone without a license. But if you make a few calls and explain your situation, you will quickly find a range of insurance companies to choose from.
Before you purchase insurance for your vehicle, ensure that you consider multiple options to find the best combination of affordability and coverage for your situation. This is especially important if you’re hoping to find inexpensive car insurance without a license.
And when you compare auto insurance companies that offer coverage to customers without a license, you may find it helpful to begin with the ten largest car insurance companies in the United States:
- State Farm
- Liberty Mutual
- American Family
The best way to find cheap car insurance without a license is to compare quotes from multiple companies.
Where can you find full coverage car insurance with no license?
Since what is often referred to as “full coverage” is usually a combination of liability, collision, and comprehensive coverages, let’s break down what each of these does. First, liability coverage helps you pay for damage to someone else’s property and/or their medical expenses if you’re found to be at fault for an accident. Liability coverage is required in many states.
According to the Insurance Information Institute, most drivers purchase optional comprehensive and collision coverage in addition to minimum liability coverage. 78% of drivers buy comprehensive coverage and 74% acquire collision coverage.
Unlike liability insurance, collision insurance is optional and covers losses related to your own vehicle/property. Collision coverage helps pay to repair or replace your vehicle if it’s damaged in a collision with another car or someone else’s property (such as a fence, a mailbox, etc.).
Lastly, comprehensive coverage — which is also optional — helps cover repair/replacement costs if your car is lost or damaged due to basically any other circumstances, including theft, vandalism, fire, natural disasters, or animal damage. Between collision and comprehensive coverage, basically anything that results in the loss of or damage to your vehicle — aside from regular wear and tear — will be covered.
Finding full coverage car insurance without a license may take more time than finding any car insurance coverage with no license, depending on your particular situation. This is because full coverage includes liability and collision insurance, which tend to apply only to drivers listed on your insurance policy. And if you don’t have a driver’s license, you’ll need to be named as an “excluded” driver on your policy, indicating that your insurance will not pay for damages if you’re behind the wheel in an accident.
Your best option for finding full coverage car insurance as someone with no license is to purchase a policy for another member of your household. In other words, make another member of your household (such as a spouse or relative) the primary driver on your policy. This way, they’ll be insured to drive your vehicle, and your automobile will be fully covered. Keep in mind that you still won’t be insured to drive your car as an excluded driver — even if you obtain your license. Contact your insurance company if you need to add or change the status of a driver on your policy.
Can you get AAA insurance with no license?
The short answer is sometimes. As with many other insurance policies, whether or not you can obtain AAA insurance without a license depends on your particular situation. Since AAA also consists of multiple distinct regional organizations, it’s possible that a AAA location in one area will insure individuals without driver’s licenses while a AAA branch in a different region would not.
You should also know that AAA insurance is only available to AAA members in many cases. Therefore, AAA insurance may not be worth it if you don’t think that AAA’s membership perks would justify the yearly payment. For reference, AAA membership costs approximately $60 per year for its Basic/Classic plan — and Premier can cost as much as $170 in some locations. That said, AAA members also receive reliable roadside assistance coverage and benefits like discounts at thousands of retailers across the United States.
Speaking of AAA membership, you don’t need a license to join AAA. For this reason, joining AAA is one of the simplest options for individuals without a license to obtain roadside assistance coverage which helps pay for services like battery jump-starts, towing, and flat tire changes.
Unlike with car insurance, AAA’s roadside assistance coverage isn’t restricted to a particular vehicle but to the AAA member. Basically, AAA will provide roadside assistance for any vehicle you’re in, whether you’re the driver or passenger. This makes AAA a good option for someone without a license who frequently travels with a caretaker or another member of their household.
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What types of car insurance coverage are available if you have no license?
What type of coverage you should purchase and how much insurance you need depends entirely on why you want to obtain car insurance as someone without a license. Although you may have to speak with multiple insurance companies before finding one that can meet your coverage needs, virtually any type of auto insurance can be acquired by someone without a license.
Here’s a breakdown of some of the most common kinds of insurance coverage and why each of them may be helpful for someone without a license:
- Comprehensive coverage. This is great on its own for vehicles kept in storage and helps cover repairs/replacement if a car is damaged by anything other than a collision (like fire, vandalism, or animals).
- Collision coverage. It is recommended if you want to insure yourself or another household member to drive, as it covers repair/replacement if your car is damaged in a collision with another vehicle or someone’s property.
- Liability coverage. Since it’s required for driving on the road in most states, this is likely a requisite if you want to insure yourself or another member of your household to drive.
- GAP coverage. As it’s typically required if you’re leasing a car, GAP coverage pays for the difference between what you owe on a vehicle and it’s actual value if it’s totaled before you’ve paid off the lease or loan.
What to Remember About Buying Insurance Without a Driver’s License
A driver’s license isn’t a requirement to obtain insurance, but some car insurance companies will refuse to sell policies to people without driver’s licenses. Explain your situation to an insurance company to determine if they’re able to meet your coverage needs.
In addition, obtaining full coverage car insurance without a license may be more difficult than merely acquiring comprehensive coverage. Your simplest option might be to make another member of your household the primary driver on your policy.
Furthermore, AAA membership doesn’t require a driver’s license and helps pay for roadside services for any vehicle as long as the driver or passenger is a AAA member. Therefore, it can be a great option for roadside assistance coverage if you don’t have a license.
Whatever your reason for purchasing car insurance, you can save by comparing the different coverage options available to you. Find out how much you could lower your insurance rates by entering your ZIP code today.