Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 29, 2021

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Key Takeaways

  • The best car insurance companies that insure unlicensed drivers are The Hartford and local, regional agencies
  • Affordable car insurance companies that don’t insure unlicensed drivers as easily include most national providers
  • People who no longer drive themselves, who own collectible cars, or who only have a learner’s permit may need no license car insurance

The best car insurance companies that insure unlicensed drivers are The Hartford and local, regional agencies.

You may be able to purchase no license car insurance from other national providers, but often those companies are hesitant.

Below learn how to secure a policy from affordable car insurance companies that insure unlicensed drivers.

After reading about quotes from car insurance companies that insure unlicensed drivers, enter your ZIP code into our free tool above to compare accurate rates from the best companies near you.

What are the best car insurance companies that insure unlicensed drivers?

There are a few reasons you might need car insurance even if you do not have a license. You may no longer be able to drive yourself, or you use a chauffeur or personal driver.

You might also own a collectible or classic car. New drivers who only have a learner’s permit might also be interested in securing coverage.

But, whatever the reason, you’re probably stuck wondering, can you get car insurance without a license?

Fortunately, you can secure a car insurance policy even if you do not have a license. However, most major insurers are hesitant to underwrite coverage for unlicensed clients.

Plus, your local and state laws may impact your ability to secure car insurance. Unlicensed drivers are always considered to be high-risk by providers, so anticipate higher than average rates.

But, of the national providers, the best car insurance company that insures unlicensed drivers is AARP car insurance from The Hartford.

According to its website, all you need to do is call and agents from The Hartford will help unlicensed customers secure a policy.

The American Associations of Retired Persons (AARP) and focuses primarily on senior car insurance. Only drivers over 50 qualify for coverage.

Otherwise, if you’re only finding ​​car insurance quotes from companies that don’t insure unlicensed drivers, look at local, regional agencies in your town.

You’ll have the best luck securing coverage for unlicensed customers from smaller companies, but the cheapest national providers that sell policies include:

Know that the above providers most likely will turn you away if you attempt to seek out a traditional policy without a license.

Instead, follow our tips in the next section about naming someone with a license as the primary driver and exclude yourself while maintaining ownership of the policy.

Also, always be honest about your license status. If you lie on your insurance application, the provider will find out after running your motor vehicle report (MVR) and will likely deny you.

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How do you buy car insurance without a license?

Follow our easy tips below if you’ve been searching for coverage and only find car insurance rates from companies that don’t insure unlicensed drivers.

To buy car insurance from companies that insure unlicensed drivers, start by researching local providers in your area. Look for any that specialize in working with unlicensed drivers.

Next, call the company directly, as most online forms require a valid license number even if the company doesn’t need one.

While we always recommend comparing quotes online from multiple providers to secure your cheapest rates, unlicensed drivers should call companies directly.

Consider purchasing comprehensive coverage, sometimes called parked car insurance, for your vehicle.

While not required by state laws, comprehensive coverage is the only policy that protects your vehicle from damage while it’s parked, including:

  • Weather damage
  • Animal damage
  • Vandalism
  • Auto theft
  • Fire
  • Flooding

Or, since you can’t buy car insurance from companies that don’t insure unlicensed drivers, consider purchasing a policy but name a licensed driver as the policy-holder, and list yourself as an excluded driver.

However, if that person has a poor driving record or is high-risk, your rates will also be high.

Naming a different primary driver on a policy you own is recommended for the elderly or people with health problems who rely on caretakers. It’s also a viable option for people who own a collectible vehicle.

But are unlicensed drivers covered by insurance? No, driving without a license is illegal and leads to fines as well as possible jail time.

Driving without car insurance is also illegal in most states and leads to more fines. In addition, in some states, your car registration is revoked.

According to the Insurance Information Institute (III), insurance fraud costs the average American family $400 to $700 each year.

Finally, if you’re struggling to secure coverage, consider changing your car’s registration to get insurance.

Register it so that a licensed driver is the co-owner by visiting your local DMV, but expect to fill out a form and pay a fee.

Can you buy a car without a license?

Legally, you can purchase a car without a license. However, you won’t be able to take it for a test drive. Plus, some dealerships may not be willing to finance an unlicensed driver.

In that case, try going through a local bank for an auto loan to help finance a car if you’re unlicensed.

Similarly, you can also register a car without a license in most states. Again, just provide the proper paperwork, a small fee, and proof of insurance on the vehicle.

Can you buy car insurance with a suspended license?

A license suspension is not the same as not having a license. Usually, your license is revoked after committing a serious traffic violation, like a DUI or driving uninsured.

Even if your license has been suspended, you will still be able to purchase car insurance.

However, you may need to secure SR-22 insurance to drive on the roads again legally.

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Car Insurance Companies That Insure Unlicensed Drivers: The Bottom Line

Unlicensed car owners can still purchase car insurance policies. However, securing coverage is a bit more challenging than for licensed drivers.

To avoid accidentally getting quotes from a car insurance company that doesn’t insure unlicensed drivers, start by calling providers directly.

Expect your insurance rates to be higher than average, as having no license makes you high-risk. Naming someone else as the primary driver may help mitigate that rate spike.

But don’t drive the vehicle if you’re unlicensed, or you risk significant fines as well as possible jail time.

Now that you’re an expert about rates from car insurance companies that insure unlicensed drivers, enter your ZIP code into our free tool below to compare quotes from reputable companies in your region.