Can I get car insurance quotes without a driver's license?
Yes, it is possible to get car insurance without a license, though insurers handle it differently. Some let the policy buyer designate a licensed primary driver, while others will not write an unlicensed policyholder, so you may need to shop around. The insurer typically uses the primary driver's license and driving history to price the policy, and the unlicensed policyholder may be listed as an excluded driver, meaning claims that occur while that person drives are not covered.
Yes, you can get car insurance without a driver's license in most states, but online quote tools require a license number and will reject you, so you must call insurers directly. Common situations that permit coverage include listing a licensed person as the primary driver with you excluded, covering a parked or stored car, adding a learner's permit holder to a family policy, using a foreign license as an international driver, and carrying an SR-22 filing after a suspension. Non-owner policies are not an option while you are unlicensed, because they require a valid driver's license.
Sources: NIPR: Arizona resident individual licensing requirements; NIPR: Arizona resident individual renewal requirements.
Yes. Insurers typically ask for a driver's license number to check driving history, but an unlicensed shopper can substitute the license number of a designated primary driver, and that driver's record then affects the premium. If you cause an accident while driving without a valid license, the insurance company may deny coverage for property damage or injuries.
Sources: NIPR: Arkansas resident individual licensing requirements; PSI: Arkansas insurance candidate information bulletin.
Yes, you can usually get car insurance quotes and buy coverage without a driver's license, but some insurers refuse unlicensed customers, and some states require at least one licensed driver on the policy. If someone else will drive the vehicle, the insurer may use that licensed primary driver's history to set the price, which can raise premiums. An unlicensed owner may also be listed as an excluded driver, meaning claims occurring while that person drives can be denied.
Sources: Connecticut CID: Licensing application process and requirements; Connecticut CID: Exam testing and pre-licensing FAQ.
Yes, some insurers will quote a policy for a customer without a driver's license. Many require you to designate a licensed primary driver on the policy, and some insurers decline unlicensed customers, so you may need to compare several insurers. The insurer may list the unlicensed owner as an excluded driver, with the premium based on the primary driver's record.
Sources: D.C. Code 31-1131.05: Examination prior to licensure; D.C. Code 31-1131.05a: Pre-licensing education.
Yes, though it depends on the insurer. Many insurers are hesitant, but some will quote and insure a vehicle owner with no driver's license if another household member is listed as the primary driver and the owner is excluded from the policy. An excluded driver receives no coverage if responsible for an accident, and driving without a license is illegal in every state.
Sources: Louisiana LDI: License application requirements (producer, adjuster, consultant); Louisiana LDI: Becoming a Licensed Agent/Producer brochure.
Yes, you can get car insurance without a driver's license, but not all insurers offer these policies. You may have to name a licensed primary driver on the policy, and the insurer may list you as an excluded driver, meaning claims from your own driving are not covered. Premiums are often higher because of the added risk and the smaller number of insurers willing to write the policy.
Sources: Maine BOI: Producer license application (resident and nonresident); Maine BOI: Producers licensing hub.
Yes, in limited cases. A learner's permit can qualify: people practicing in a family member's car are most often covered by the car owner's policy, though in some cases the permit holder must be added to that policy sooner. Owning a car is the main situation that forces a policy before full licensure, because proof of insurance is required to register a vehicle in most states. Not all insurers sell standalone policies to drivers under 18.
Sources: Md. Code, Insurance § 10-103: Producer license required (Title 10 Subtitle 1); Md. Code, Insurance § 10-108: Producer licensing examination.
Yes, you can get car insurance without a driver's license, but not all insurers offer it. You usually need to name a licensed primary driver on the policy, or the insurer may list you as an excluded driver, which means claims are not covered if you drive. Common situations include insuring a car for a teenager, keeping continuous coverage during a suspension, or insuring a stored or classic car.
Sources: Montana CSI: Producer, adjuster and consultant licensing; Montana CSI: Steps to obtaining a resident insurance license.
Yes, some major insurers will quote and issue coverage for unlicensed drivers. You typically call the insurer directly, state that the policy is for an unlicensed driver, exclude yourself as a driver, and list a licensed person as the primary driver on the policy. Some insurers view unlicensed applicants as high-risk and deny coverage, so you may need to compare several carriers before finding one that will write the policy.
Sources: Pearson VUE: Nevada Insurance Candidate Handbook (October 2024); Pearson VUE: Nevada Insurance Exam Content Outlines (effective October 1, 2024; with pre/post November 14, 2026 versions).
Yes, it is possible to buy car insurance without a driver's license. Insurers typically ask for a driver's license number to check driving history, so you may be asked to designate someone else as the primary driver, and some insurers will not write the policy. If you are listed as an excluded driver, the policy pays nothing for claims that occur while you are driving.
Sources: North Dakota NDID: Apply for a resident producer license; North Dakota NDID: Resident producer (hub).
Yes. You can buy a car insurance policy without a driver's license by listing a licensed primary driver, such as a family member, friend, or caretaker, on the policy. Insurers normally use a licensed driver's number to check driving history, and the unlicensed owner may be listed as an excluded driver, meaning claims from their own driving are not covered. Some insurers decline unlicensed customers, so you may need to shop around.
Sources: Oregon DFR: Producer licensing; Oregon DFR: Fees and forms.
Yes, some insurers will sell a policy to an unlicensed buyer if a licensed primary driver is designated on it. The unlicensed policyholder may be listed as an excluded driver, meaning the company will not cover claims from incidents that occur while that person drives. Some states also require at least one licensed driver to be listed on the policy.
Sources: NIPR: Rhode Island resident individual licensing requirements; NIPR: Rhode Island nonresident individual licensing requirements.
Yes, you can get car insurance without a driver's license, but your options are limited. Many national insurers will not quote unlicensed drivers because they use a license number to check driving history, so you may need to work with smaller regional companies. Common approaches include listing a licensed primary driver on the policy, excluding yourself as a driver, or buying comprehensive-only coverage for a stored vehicle.
Sources: TN TDCI — Insurance Producer Licensing Procedure with Exams; TN TDCI — Insurance Producer Licensing Procedure without Exams (nonresident, limited lines, variable, title).
Yes, you can buy car insurance without a driver's license by listing a licensed primary driver on the policy, such as a spouse, caregiver, or child who drives the vehicle. Some insurers list the unlicensed policyholder as an excluded driver, meaning claims from that person's own driving are not covered. Common reasons include insuring a stored car and covering a vehicle driven by someone else.
Sources: Vermont DFR: Producer license; Prometric: Vermont insurance licensing information bulletin.
In most cases, yes, through a household policy. A learner's permit holder must carry at least the state's minimum car insurance, and the usual approach is adding the permit driver to a parent's or guardian's existing policy, which generally costs less than a standalone policy. A separate policy may be needed if the permit holder is an adult or lives at a different permanent address. Some insurers charge from the day the permit is issued, while others do not charge until the full license is earned.
Sources: Va. Code § 38.2-1824: Kinds of agents' licenses and appointments issued; Va. Code § 38.2-1817: Examination for license; fee required; when fee forfeited.
Yes, though your options are narrower. Some insurers will sell you a policy without a license if you designate a licensed primary driver, the person who will drive the car most. Many national insurers decline to quote unlicensed buyers, so you may need smaller regional companies or an independent agent. Other options include listing yourself as an excluded driver or comprehensive-only coverage (parked car insurance) for a vehicle kept in storage.
Sources: Wyoming DOI: producer licensing requirements, fees and FAQs; Wyoming DOI: adjuster licensing requirements, fees and FAQs.