{"id":2684,"date":"2024-08-12T10:07:05","date_gmt":"2024-08-12T17:07:05","guid":{"rendered":"\/wp-site\/?p=2684"},"modified":"2025-03-10T11:40:46","modified_gmt":"2025-03-10T18:40:46","slug":"car-insurance-without-a-license","status":"publish","type":"car-insurance","link":"https:\/\/jerry.ai\/car-insurance\/car-insurance-without-a-license\/","title":{"rendered":"Can You Get Car Insurance Without a Driver\u2019s License?"},"content":{"rendered":"\n

Some insurance providers may provide car insurance<\/a> without a license \u2014 particularly those with a learner\u2019s permit, suspended license or who don\u2019t plan to drive the insured vehicle.<\/p>\n\n\n\n

Realities of getting car insurance without a driver’s license<\/h2>\n\n\n\n

While you might be able to obtain car insurance quotes<\/a> without a license, most companies require a valid driver\u2019s license to purchase a policy. This is true for two reasons: <\/p>\n\n\n\n

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  1. Insurers use your driver\u2019s license to check your driving record and evaluate the level of risk you pose.<\/li>\n\n\n\n
  2. Driving without a valid license is illegal in all 50 states.<\/li>\n<\/ol>\n\n\n\n

    However, some circumstances may allow you to purchase a policy without a valid driver\u2019s license.<\/p>\n\n\n\n

    When you might be able to get auto insurance without a license<\/h2>\n\n\n\n

    You have your learner\u2019s permit but want to purchase a car<\/h3>\n\n\n\n

    If you have a learner\u2019s permit and purchase your own car, you need insurance coverage to drive \u2014 even if you only drive when you\u2019re supervised. Some insurers won\u2019t write you a policy if you don\u2019t have a valid driver\u2019s license, but others may allow you to use your permit as long as the vehicle is registered in your name. <\/p>\n\n\n\n

    If you have a permit and live with a licensed driver, you can likely be added to their policy \u2014 and it\u2019s usually a lot cheaper than purchasing your own policy.<\/p>\n\n\n\n

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    Learn more:<\/strong> New car insurance<\/a><\/p>\n\n\n\n

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    Your license was suspended, but you have an active car loan<\/h3>\n\n\n\n

    If your license was suspended but you still have an active car loan, you may be able to apply for a restricted license. This will allow you to drive to specific locations under certain circumstances and qualify you to purchase car insurance. <\/p>\n\n\n\n

    Note that you may also need to file an SR-22 or FR-44 form to prove financial responsibility \u2014 and you should expect to pay a higher premium. <\/p>\n\n\n\n

    If your license has been revoked, you must wait until it\u2019s reinstated in order to purchase a car insurance policy.<\/p>\n\n\n\n

    While rates for drivers with violations are higher than the national average, you can still find cheaper-than-average monthly rates with these insurers:<\/p>\n\n\n\n

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    \n Insurance Company <\/div>\n<\/th>\n
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    \n Avg Monthly Quote <\/div>\n<\/th>\n <\/tr>\n <\/thead>\n <\/table>\n <\/figure>\n\n
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    \n Insurance Company <\/div>\n<\/th>\n
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    \n Avg Monthly Quote <\/div>\n<\/th>\n <\/tr>\n <\/thead>\n