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Can you get car insurance without a license?

Yes. With a driver.

You can get car insurance without a license when the policy names a licensed person as the car’s main driver. Not every company sells it, so ask more than one.

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Every owner or registrant of a motor vehicle … shall maintain securityFlorida’s law puts the duty on the car’s owner: Florida Statutes 627.733.

Pick your situation. See how it works.

Why you have no license changes what a company asks for.

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I no longer drive

Who the policy names

The person who drives the car most, such as a family member or a caregiver, is named as its main driver.

If you drive anyway

A company may list you as an excluded driver. Then nothing is covered if you drive the car.

Have ready

The main driver’s name and driver’s license number.

From: Companies’ own pages (Progressive, The Hartford) · California Department of Insurance.

My license is suspended

Who the policy names

If someone else drives the car meanwhile, that person is named as its main driver.

What a company may do

A company can turn you down or cancel a policy over a suspended license. Some still sell one.

To get your license back

Your state may want a filing from the insurance company, often called an SR-22. Ask the office that issues driver’s licenses.

From: Texas Department of Insurance · Michigan’s insurance guide · Texas Department of Public Safety · a company’s own page (The General).

I have a learner’s permit

Whose policy

If you practice in a family member’s car, tell their insurance company you are learning in it.

When you are added

Companies differ: some add a learner with the permit, others when the license arrives.

Have ready

Your permit, and the policy you will be added to.

From: Texas Department of Insurance · Maryland Insurance Administration.

My license is from another country

Whether a company sells it

Some do for a short time. Some wait until you hold a U.S. license.

What it may cost

A company that cannot see your driving record may charge more.

Have ready

Your license from that country.

From: Companies’ own pages (State Farm, The Hartford).

The car is not driven

Does it still need insurance

While it is registered, usually yes. Florida requires it even when the car is not driven.

Another way

In California you can tell the motor vehicle office the car is not in use instead.

What you can keep

Some companies let you keep the part that covers theft and vandalism and drop the rest. Check what your state requires first.

From: Florida Highway Safety and Motor Vehicles · California DMV · a company’s own page (Progressive).

Some companies sell this and some do not.

Ask agents near me

How to get car insurance without a license, in order

  1. Ask more than one company

    Get quotes from licensed local insurance agents. Our form asks for your driver’s license number. If you have none, tap “I don’t have a driver’s license” under it and keep going.

  2. Name the main driver

    The person who drives the car most. Have their name and driver’s license number ready.

  3. Say whether you will ever drive it

    If you never will, a company may list you as an excluded driver: nothing is covered if you drive the car. If you might drive again, say so before you buy.

  4. Keep it insured while it is registered

    States such as Florida and North Carolina tie insurance to the registered car, driven or not.

    Sources: Florida Highway Safety and Motor Vehicles, North Carolina Division of Motor Vehicles. Checked against these pages on Nov 13, 2026.

  5. Do not drive on it

    A policy does not make driving without a license legal.

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Common questions

What car insurance can you get without a license?

The same kinds as anyone. There is no special policy for it. What changes is who the policy names as the driver.

How much is car insurance with no license?

We found no public source that gives a figure. Some companies set the price from the driver who uses the car most, and one that cannot see a driving record may charge more. A quote for your own car is the only number that is yours.

Do you need a license to register a car?

States ask for proof of who you are. California, Texas and Florida accept a state ID card in place of a driver’s license. Ask your state’s motor vehicle office.

Sources: California DMV, Texas Department of Motor Vehicles, Florida Statutes 320.02. Checked against these pages on Nov 13, 2026.

Can you get car insurance with a suspended license?

Some companies still sell it, and a company can also refuse or cancel over it. Texas, California and Washington each use a filing from your insurance company, an SR-22, as proof of insurance after a suspension. Ask the office that issues driver’s licenses in your state.

Sources: Texas Department of Public Safety, California DMV, Washington State Department of Licensing. Checked against these pages on Nov 13, 2026.

Can I drive my own car if I am an excluded driver?

No. Nothing is covered if you do, and Maryland’s guide says an excluded driver cannot legally drive the insured car without a separate policy. Ask your state’s insurance department about the rule where you live.

Source: Maryland Insurance Administration. Checked against this page on Nov 13, 2026.

Sources

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