What You Should Know
- The best car insurance companies that don’t ask for a license are The Hartford and Geico
- Some affordable car insurance companies that do ask for a license still sell specialized policies to unlicensed customers
- You might have to pay higher rates for no-license car insurance, depending on why you do't have a license
If you own a car but do not have a license, you can usually find no-license car insurance near you. The best car insurance companies that don’t ask for a license are The Hartford and GEICO.
Even the best insurance for unlicensed drivers tends to cost more than coverage for drivers with a license, especially if your license has been suspended. However, drivers looking for full coverage car insurance with no license to protect a stored vehicle will probably see lower rates.
Below, learn how to get cheap car insurance without a license near you. Then, compare multiple quotes for auto insurance for unlicensed drivers to find the best rates for you.
What are the best car insurance companies that don’t ask for a license?
If you own a car but do not have a license, you may still need a car insurance policy. Perhaps you only have a learner’s permit, or someone else drives you around.
What insurance companies will insure you without a license? Most affordable car insurance companies that don't ask for a license are smaller, local agencies that specifically work with unlicensed clients.
However, some of the national providers also sell policies to unlicensed customers.
But because you’re unlicensed, you usually need to call the companies directly to request quotes.
You are also considered a higher risk, so expect higher-than-average rates. But why do insurance companies prefer drivers with licenses?
Experienced drivers have robust driving histories that allow underwriters to evaluate their risk levels accurately. Unlicensed drivers do not.
Major car insurance companies that might sell policies to unlicensed clients include:
- AAA Car Insurance Company
- Freeway Car Insurance Company
- Geico Car Insurance Company
- The Hartford Car Insurance Company
- Travelers Car Insurance Company
- State Farm Car Insurance Company
Our top recommended car insurance company that doesn’t ask for a license is The Hartford.
The Hartford partners with the American Association of Retired Persons (AARP) and specializes in senior car insurance.
On their website, The Hartford offers car insurance explicitly to assist older unlicensed customers.
But Geico is available to all drivers in every state and typically underwrites cheaper base quotes than The Hartford.
Even though Geico is technically a car insurance company that does ask for a license, Geico also sells policies to unlicensed drivers, typically if the car is in storage.
Ultimately, many different variables impact your car insurance rates, including your age and ZIP code. Plus, not every provider is active or available in all parts of the country.
So you may be able to purchase AAA insurance with no license or Freeway insurance with no license, but you need to call the companies directly.
Comparing quotes is the best way to buy car insurance from companies that don't ask for a license. Try creating a list of multiple providers you’re interested in contacting to get the best rates.
How can you get car insurance without a license?
Can you can get car insurance without a license? Yes, sometimes you can even buy car insurance from companies that do ask for a license number.
First, however, you need to call and speak to an agent directly to explain your situation.
Why do you need to call? Most online quote comparison tools require a valid license number, even if the provider offers insurance to unlicensed customers.
But why insure a vehicle that you don’t plan to drive? If you get a license in the future, an insurance coverage lapse will increase your rates.
Plus, car insurance is legally required in almost every state. Without it, if a driver is involved in an accident while using your vehicle, you risk legal consequences and are responsible for the financial losses out of pocket.
According to the Insurance Information Institute (III), in 2020, the average bodily injury liability claim cost was $20,235.
So follow these easy steps on how to get car insurance with no license.
First, some companies accept state-issued ID cards. Get a state-issued ID card if you’re interested in using companies like Commonwealth or Direct Auto.
Next, determine the kind of policy you need. For example, if no one drives your vehicle, comprehensive coverage or parked car insurance may suffice.
To qualify, you must store your car in an approved location. But this is your cheapest option.
You might also consider changing your car’s registration to get insurance. Vehicle ownership is sometimes a requirement for purchasing a policy.
Or, try purchasing a policy but naming someone else as the primary driver.
Who’s allowed to be a primary driver on a car insurance policy? Typically, it’s whoever drives the car the most. However, know that their driving record will impact the policy rates.
How do you add a named or primary driver on your policy? Some customer portals and mobile applications offer this feature. You may also need to call your provider directly.
Finally, reconsider buying a policy and listing yourself as an excluded driver. You may not be adequately covered this way.
Don’t drive your car for any reason. The penalty for driving without car insurance can be severe depending on the state you live in.
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Can you buy a car without a license?
You’ve learned how to get car insurance quotes from companies that do ask for a license number but also sell policies to unlicensed drivers. But what about buying a car?
Fortunately, you can legally purchase a car without a license. However, you cannot take the vehicle for a test drive.
Registering a vehicle, even without possessing a driver's license, is also accessible in most states.
But if you’re wondering how to get car insurance with a suspended license, you might be required to purchase high-risk or SR-22 insurance.
Find the Best Car Insurance Companies That Don’t Ask For A License Today
Unlicensed customers can still purchase car insurance. However, the process is untraditional, and typically rates are a bit higher.
If you keep coming across car insurance rates from companies that do ask for a license number, consider calling the provider directly to explain your situation.
To secure the cheapest car insurance with no license, call around to compare quotes and determine if naming someone else as the policy owner or purchasing parked car insurance works best for you.
Now that you’ve compared car insurance rates from companies that don't ask for a license, compare quotes from the best providers near you for free by entering your ZIP code into our rate tool below.