Can I get car insurance without a license?

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?

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
• Geico
• Progressive
• Allstate
• USAA
• Farmers
• Liberty Mutual
• Nationwide
• American Family
• Travelers

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.

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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. 

Read more: The Perks and Pitfalls of Car Insurance Add-ons

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.

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.

Obtaining AAA Insurance Without a License

If you’re in a situation where you need insurance coverage but lack a driver’s license, AAA offers solutions tailored to your needs. Here’s a guide on how to navigate AAA insurance without a license, including coverage options and considerations.

Steps to Obtain AAA Insurance Without a License

1. Membership Requirements: Unlike many insurance providers, AAA membership doesn’t necessitate holding a driver’s license. Membership benefits extend beyond car insurance to include roadside assistance, making it a valuable option for non-drivers.

2. Coverage Considerations: When seeking AAA insurance without a license, understand the available coverage options. AAA typically offers comprehensive, collision, and liability coverage, catering to various needs.

3. Consultation with AAA: Reach out to your local AAA branch, whether it’s in Houston, TX, Pennsylvania, or Connecticut. Discuss your specific situation and inquire about their policies regarding insurance for non-licensed individuals.

4. Exclusions and Limitations: Understand any exclusions or limitations associated with AAA insurance for non-drivers. Certain coverage options may require a licensed driver to be listed on the policy.

AAA Auto Insurance Coverage in Various Locations

AAA provides a variety of auto insurance options to meet the needs of drivers across different states. Whether you’re in Houston, Pennsylvania, or Connecticut, AAA offers reliable coverage and exceptional customer service.

AAA Auto Insurance in Houston, TX

AAA offers comprehensive auto insurance coverage in Houston, TX, designed to meet the diverse needs of its members. Whether you’re looking for liability, collision, or comprehensive coverage, AAA in Houston can provide tailored options to suit your requirements.

AAA Car Insurance in Pennsylvania

For residents of Pennsylvania, AAA car insurance offers a range of policies that include liability, collision, and comprehensive coverage. AAA’s auto insurance in Pennsylvania is known for its reliable customer service and competitive rates, making it a popular choice among drivers in the state.

AAA Car Insurance in Connecticut

In Connecticut, AAA car insurance provides extensive coverage options, including liability, collision, and comprehensive plans. AAA’s Connecticut insurance policies are designed to protect drivers and their vehicles, ensuring peace of mind on the road.

Car insurance with AAA offers a wide range of benefits, including reliable coverage, exceptional customer service, and tailored policies to meet your specific needs. Whether you’re in Houston, Pennsylvania, Connecticut, or considering insurance without a license, AAA provides the support and coverage you need to stay protected on the road.

Coverage Options Available With AAA Insurance

• AAA Insurance for Classic Cars: If you own a classic car but lack a driver’s license, AAA offers specialized coverage for classic and vintage vehicles, ensuring protection for your valuable assets.

• AAA Collision Coverage: AAA provides collision coverage, which helps pay for repairs or replacement of your vehicle in case of a collision, regardless of whether you hold a driver’s license.

• AAA Full Coverage Car Insurance: Explore the rates for full coverage with AAA, including comprehensive, collision, and liability coverage. Discuss with AAA representatives to find the most suitable and cost-effective options.

• AAA Gap Insurance: Gap insurance covers the difference between the actual cash value of your car and the amount you owe on a loan or lease. Inquire with AAA about gap insurance options tailored to your needs.

Comparison of AAA vs. Safe Auto

Compare AAA insurance offerings with Safe Auto to determine the best fit for your needs. Consider factors such as coverage options, rates, and customer service to make an informed decision.

While obtaining car insurance without a license may present challenges, AAA offers comprehensive solutions to address your insurance needs. By understanding coverage options, consulting with AAA representatives, and comparing alternatives, you can secure suitable insurance coverage even without a driver’s license.

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.