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Can You Get Car Insurance Without a License?

There are several reasons why someone might not have their driver’s license – maybe they just turned 16 and haven’t passed their driver’s exam yet, or maybe they own a car that someone else drives for them. Whatever your reason may be for not having a driver’s license, there are options for getting car insurance and you can still find a quality policy that is affordable if you know what to look for. This blog post will give you some advice on how to do it! 

  Do I Need a License to Get Car Insurance?

Contrary to popular belief, you do not need an official driver’s license to get car insurance in most states. However, you should be aware that one of the first questions insurance providers will ask is if you do have your driver’s license. If you do not, it’s not a problem for most insurance providers – it just might take longer to find a policy that meets your needs. 
Finding the policy that is right for you greatly depends on your individual situation (why you need car insurance) and what you need to insure (the vehicle or driver you need to protect). There is not a one-size-fits-all solution for auto insurance plans which is why we recommend comparing quotes from multiple providers and asking the provider of your choice to provide more information about the options available to you. It never hurts to ask questions! 
It’s important to note that in some cases, your insurance premium will be higher if you do not have a driver’s license since most insurance providers review driving records to determine their policy rates. 

Do I Need Car Insurance if I Don’t Have a License? 

The answer to this question depends on where you live and your current situation. 
There are many instances where you may find yourself needing car insurance when you do not have a driver’s license. Here are a few examples of situations where you’ll most likely be able to obtainfull coverage without a driver’s license: 

  • Your license is suspended (i.e., DUI) but someone else, such as a relative or spouse, still needs to use your vehicle
  • You are a teen driver (or have a teen driver) with a permit license who intends to take their driving exam in the future
  • You own a vehicle that is considered a collectible and would like to insure it, even though you do not drive it
  • You own a car that you use when someone else drives you around because health or other reasons prevent you from driving yourself

If any of these situations apply to you or sound like your situation, you may need auto insurance even though you do not have a license yourself. When shopping for car insurance, every person’s situation is different, and not all insurance companies offer the same coverage. If you find yourself in the unique position of needing car insurance despite the fact you do not have a driver’s license, it’s important to do your research and ask questions to find the policy that is affordable and right for you.

About Rate Retriever

At Rate Retriever, our mission is to create the best possible experience for people who are searching for new car insurance. So we took everything we hated about comparing car insurance quotes online – the spam, the long questionnaires, the inaccuracy of quote prices – and threw it out the window, favoring a short form that matches you with top providers for your driver profile.

Rate Retriever is an independent company that is not owned by an insurance provider, nor do we provide insurance ourselves. This independence allows us to serve as an insurance marketplace, connecting you with the insurance companies that are most likely to meet your unique needs at a price you can afford.

We may earn a commission when you click one of the links or call one of the providers listed on our site; however, we do not allow our partnerships to influence the information we provide. 

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