Does Progressive offer car insurance to drivers without a license?

Yes, some insurers will sell a policy to someone without a driver's license, but not all, so unlicensed applicants may need to shop around. Common situations include holding a learner's permit, insuring a car driven by a licensed child under 18, or keeping continuous coverage while a suspended license is reinstated. Insurers typically require at least one licensed driver on the policy and may use that driver's record to price it; the unlicensed policyholder is commonly listed as an excluded driver, so claims that occur while that person drives are not covered.

Some insurers will sell a policy to an unlicensed buyer, typically by designating a licensed primary driver, the person who will drive the car most. The buyer may be listed as an excluded driver, meaning claims from incidents that occur while the buyer drives are not covered. Insurers normally use a driver's license number to check driving history; without one, they typically price the policy using the primary driver's license number and record instead.