Can I get full coverage car insurance without a license?
Yes, you can buy car insurance without a license, though some insurers are wary of unlicensed buyers and some states require the policy to list at least one licensed driver. Common situations include a suspended license (continuous coverage helps with reinstatement), naming a licensed primary driver who uses the car, and stored or classic vehicles that need only comprehensive coverage while off the road.
Yes, you can get car insurance without a driver's license, though most insurers require you to list a licensed driver as the primary driver on the policy and exclude yourself as a driver. Insurers treat unlicensed drivers as high-risk, and rates for a suspended license run 30% to 100% above standard. For a parked or stored car, comprehensive-only coverage costs 40% to 60% less than full coverage. Apply by phone, because online applications ask for a license number and will reject you.
Sources: NIPR: Arizona resident individual licensing requirements; NIPR: Arizona resident individual renewal requirements.
Yes, some insurers will write a policy for a vehicle owner without a license, including full coverage. The policyholder designates a licensed primary driver, and that driver's record affects the premium. The unlicensed owner is often listed as an excluded driver, so claims from the owner's own driving are not covered.
Sources: NIPR: Arkansas resident individual licensing requirements; PSI: Arkansas insurance candidate information bulletin.
Yes, it is possible to buy full coverage car insurance without a license, but some insurers refuse unlicensed customers and some states require at least one licensed driver on the policy. Insurers typically use a licensed primary driver's license number to check driving history, and the unlicensed owner may be listed as an excluded driver, which means claims that occur while that person drives can be denied.
Sources: Connecticut CID: Licensing application process and requirements; Connecticut CID: Exam testing and pre-licensing FAQ.
Some insurers will sell full coverage to a person without a driver's license, usually at a higher price. The typical arrangement is to list a licensed driver as the primary operator and add a named-driver exclusion for the unlicensed owner; an excluded driver has no coverage if they drive and cause an accident. Stored or collector vehicles are often insured with comprehensive-only coverage instead of a full policy.
Sources: Delaware Code Title 18 Chapter 17: Licensing of Professional Insurance Personnel (producers and adjusters); Delaware Code Title 18 Chapter 7: Fees and Taxes (18 Del. C. §701 fee schedule).
Yes, some insurers will sell a full auto policy to a customer without a license, but others will not insure unlicensed customers. You may have to designate a licensed primary driver, the person who will drive the car the most. Common reasons to insure without a license include a learner's permit holder, a suspended license, a household driver such as a spouse, child, or caregiver, or a stored or classic car. The primary driver's record determines the premium.
Sources: D.C. Code 31-1131.05: Examination prior to licensure; D.C. Code 31-1131.05a: Pre-licensing education.
It is possible, though many insurers are hesitant, and no law prohibits insuring a car whose owner has no license. One approach is to list another household member as the primary driver and exclude yourself from the policy. If the car is not driven, comprehensive-only parked car coverage typically does not require a license.
Sources: Louisiana LDI: License application requirements (producer, adjuster, consultant); Louisiana LDI: Becoming a Licensed Agent/Producer brochure.
Yes, though not all insurers offer it. You typically need 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. Expect fewer insurer options and higher premiums because of the added risk.
Sources: Maine BOI: Producer license application (resident and nonresident); Maine BOI: Producers licensing hub.
Every driver in Massachusetts must carry at least the state's minimum car insurance, including someone holding only a learner's permit. A permit holder can be added to a parent's or guardian's policy, which usually costs less, or buy a separate policy. A separate policy may be needed if the permit holder is an adult, has no insured parent or guardian, or lives at a different permanent address.
Sources: Massachusetts DOI: Individual insurance producer licensing; Massachusetts DOI: Individual and business entity licensing (license types, terms and fees).
Yes, though not all insurers offer it. Insurers that do typically require you to name a licensed primary driver on the policy, or they may list you as an excluded driver, meaning claims are not covered if you drive the car. This coverage can cost more because fewer insurers offer it and there is no driving record to price.
Sources: Montana CSI: Producer, adjuster and consultant licensing; Montana CSI: Steps to obtaining a resident insurance license.
Yes, some insurers will cover an unlicensed vehicle owner. You typically list a licensed driver as the primary driver on the policy and exclude yourself as a driver. Some insurers treat unlicensed applicants as high-risk and deny coverage, so you may need to contact insurers directly to find a policy that fits your situation.
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, though it is uncommon. Many national insurers will not quote unlicensed drivers, so coverage often comes from smaller regional insurers or through an independent agent. Common options include listing a licensed primary driver on the policy or comprehensive-only coverage for a vehicle kept in storage.
Sources: New Hampshire NHID: Producer licenses; New Hampshire NHID: Licensing fees.
Yes, it is possible to buy car insurance without a license. You typically designate a licensed primary driver on the policy, since insurers normally use a license number to check driving history, and the primary driver's record affects the premium. The insurer may also list you as an excluded driver, which means claims from your own driving are not covered. Some insurers will not cover unlicensed vehicle owners, so you may need to shop around.
Sources: Oregon DFR: Producer licensing; Oregon DFR: Fees and forms.
Yes, it is generally possible to buy car insurance without a driver's license by designating a licensed primary driver, though some insurers are hesitant to write these policies and some states require at least one licensed driver listed on the policy. The insurer may list the unlicensed policyholder as an excluded driver, and driving without a valid license remains illegal.
Sources: NIPR: Rhode Island resident individual licensing requirements; NIPR: Rhode Island nonresident individual licensing requirements.
Yes, but you will likely face extra steps. Because insurers use a license number to check driving history, you may need to list a licensed primary driver on the policy or be listed as an excluded driver, in which case claims from your own driving would not be covered. Unlicensed drivers are considered high risk, so premiums run higher, and many national brands decline to quote them.
Sources: TN TDCI — Insurance Producer Licensing Procedure with Exams; TN TDCI — Insurance Producer Licensing Procedure without Exams (nonresident, limited lines, variable, title).
Yes. Texas law does not require a driver's license to buy an auto insurance policy, including full coverage on a stored or parked car. Insurers may require you to list a licensed primary driver, and they may list you as an excluded driver, which means claims from your own unlicensed driving are not covered. Comprehensive-only coverage for a car that is not being driven is a common option in this situation.
Sources: Texas TDI: agent and adjuster licensing hub; Texas TDI: general lines property and casualty license (apply).
Yes. You can buy full coverage car insurance without a license by listing a licensed primary driver on the policy. The insurer may list the unlicensed policyholder as an excluded driver, which means claims from the excluded driver's own driving are not covered. Comprehensive-only coverage is also an option for stored or classic cars.
Sources: Vermont DFR: Producer license; Prometric: Vermont insurance licensing information bulletin.
Yes, it is possible but harder. Many national insurers will not quote unlicensed drivers, so you may need a smaller regional company or an independent agent. Common routes are designating a licensed primary driver on the policy or excluding yourself as a driver; for a car that will sit in storage, comprehensive-only "parked car" insurance is another option.
Sources: Wyoming DOI: producer licensing requirements, fees and FAQs; Wyoming DOI: adjuster licensing requirements, fees and FAQs.