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How to Get Car Insurance Without a License

Contrary to what you might believe, it is possible to get car insurance without a license. Granted, many insuranceno drivers license providers may try to deny you coverage without even hearing you out as in the case with a suspended license. However, there are plenty of insurance options available to you if you know what you’re looking for.

In general, there are two instances in which a person without insurance can obtain car insurance. Some states may allow an unlicensed driver to get insurance for additional reasons, but universally across the United States, there are only two possibilities.

They are:

  1. You own a car, but can’t drive it due to a disability or age

  2. Your licensed was suspended temporarily for one of a variety of reasons

In both cases, there is a bit of paperwork that you’ll have to fill out. Your insurance company will need as much information as possible to offer you a policy that best fits your needs. In fact, the first step towards getting car insurance without a license is to show the auto insurance provider that you have done your research, and you know that there are options available to you.

You have a car, but you can’t drive due to disability or age

This situation is most common among the elderly or those of driving age with a disability. In each case, the person looking for insurance has a car, and has recently lost the ability to drive. In such cases, auto insurance companies will grant a special exception to those individuals provided the right paperwork is in order.

There are two main steps to get car insurance without a license if you have a disability, or simply choose not to drive anymore due to your deteriorating condition. The two steps are:

  1. Provide proof that you will never been driving the car to be insured.

  2. Provide the name of a licensed individual that will be the primary driver of the car.

If you know that you are going to need the assistance of an individual to take you to appointments and help you run other errands, then it might be worth it to go through this process.

In most cases, though, it would make more sense and be far cheaper to give that individual your car so that they can add it to their own policy.

Your license was recently suspended, but you would still like your vehicle to be insured

have a licenseThis is the most common reason for an individual to apply for car insurance without a license. If you license was recently suspended, there’s a good chance that your car insurance provider revoked your policy.

Whether you’re attempting to get your license reinstated, or you need your car on the road for reasons such as getting to work, then it may be necessary for you to get car insurance. So with that being said, what do you have to do to get car insurance without a license?

Request a quote

Getting insurance without a license may not be as complicated as you think it is. Without going through all the extra hassle, the easiest thing to do is request a quote. There’s no better way to do that than to use the quote comparison tool here at AutoInsureSavings.

Just fill in your zip code in the quote comparison tool at the top of the page. After you answer a few questions, we’ll provide you with quotes from insurance providers willing to offer you insurance despite your current situation.

When you call…

If you’re unable to get a quote from our comparison tool, or if any of the providers request that you call in, you should follow these steps to give yourself the best chance at getting the insurance you need.

Identify the primary driver of your vehicle

The insurance company is going to want some kind of proof that you do not intend to drive your vehicle if your license is suspended. For that reason, they’ll need to know exactly who will be driving it so they can clarify that on your policy. It is important to be completely honest with the insurance company, as providing false information could come back to bite you in the future.

When your license is finally reinstated, you’ll be able to contact your insurance provider to have your name added as the primary driver of your vehicle. For the time being, though, you’ll want to exclude your name as a driver on the policy.

Ask about high risk insurance

Most auto insurance providers offer high risk insurance to those with a poor or limited driving history. If your license was recently suspended, you may still be able to get a high risk policy for your vehicle. When you call a provider, it might be worth it to first inquire about their high risk insurance options so you’re directed to the right department for your needs.

Don’t hold back information

Insurance companies don’t like to be surprised. If they find out you are holding back information, they may null and void any policy you might get. That will leave you, once again, insurance-less, and you will have burned your bridge with that provider. The best way to get car insurance without a license is to be upfront about your license suspension. Let the provider know how long your license will be suspended for, and if there are any stipulations, such as being able to drive to work.

By following the advised provided, you should be able to get auto insurance without a license. So what are you waiting for? Enter your zip code in our quote comparison tool, and get started!

Greg Fowler
I love to network, travel, and spend time with my children. When I am not doing that I am working on AutoInsureSavings or other websites. If I am working, the best way to reach me is via my Google+ Profile.

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