Can I get liability car insurance without a driver's license?

Yes, some insurers sell liability car insurance to unlicensed drivers, though others decline the coverage and it often costs more because there is no driving record to rate. Common approaches include naming a licensed driver as the primary operator on the policy or listing yourself as an excluded driver. If an excluded driver drives and causes an accident, the insurer will likely deny the claim, and exclusion rules vary by company and state.

Yes, it is possible, though not every insurer offers it. You typically name a licensed primary driver on the policy, and the insurer may list you as an excluded driver, meaning claims are not covered if you drive. Common situations include a learner's permit, a temporary medical suspension, or insuring a car that someone else drives. Because some companies decline unlicensed buyers, you may need to comparison-shop.

Yes, though insurers handle it case by case. Insurers normally ask for a driver's license number to check driving history, so an unlicensed applicant typically designates a licensed primary driver whose record is used to price the policy. The insurer may also list the unlicensed policyholder as an excluded driver, which means claims from incidents that occur while that person is driving are not covered. Driving without a valid license remains illegal.