Which car insurance companies will insure drivers without a license?
Yes, it is possible to buy car insurance without a license, though not every insurer will write the policy. Some insurers allow an unlicensed policyholder to designate a licensed primary driver, while others require at least one licensed driver to be listed, so unlicensed buyers may need to shop around. The unlicensed policyholder is often listed as an excluded driver, meaning claims that occur while that person is driving are not covered.
Several major national insurers, including GEICO, Progressive, and State Farm, cover unlicensed drivers, but you must call; online applications require a driver's license number and will reject you. Insurers generally allow coverage when someone else drives your car, your license is suspended, your car is parked or in storage, you hold a learner's permit, or you are an international driver. You must list a licensed person as the primary driver and be excluded as a driver yourself.
Sources: NIPR: Arizona resident individual licensing requirements; NIPR: Arizona resident individual renewal requirements.
Several major national insurers will cover drivers without a license. To get a policy, 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. Some insurers treat unlicensed applicants as high risk and deny coverage, so you may need to compare carriers before buying.
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).
Some insurers will, though not all do. The usual arrangement is to list a licensed primary driver, such as a family member, friend, or caretaker, on the policy while the unlicensed owner is excluded. Because some providers treat unlicensed individuals as high-risk and deny coverage, you may need to compare several insurers to find one that will write the policy.
Sources: Oregon DFR: Producer licensing; Oregon DFR: Fees and forms.
Yes, some insurers will insure a vehicle owner without a driver's license, but you typically must list a licensed primary driver on the policy or be listed as an excluded driver. Large national insurers often decline to quote unlicensed drivers because they need a license number to check driving history. Smaller regional companies are more likely to offer coverage.
Sources: TN TDCI — Insurance Producer Licensing Procedure with Exams; TN TDCI — Insurance Producer Licensing Procedure without Exams (nonresident, limited lines, variable, title).