Can I Get Cheap Car Insurance Without a Driver’s License?

At first glance, it might appear that no one needs car insurance if they don’t even have a license. However, there are some instances when you might need to purchase car insurance even if you do not have a driver’s license. Is this complicated? How do you make this happen? Let’s take a look at this topic.

Can You Get Car Insurance Without a License?

The quick answer is yes. You can purchase insurance without a license. However, you should keep in mind that if you do not have a license because of a poor driving record, this driving record will definitely affect the rates you are given for insurance. Let’s look at a few situations in which purchasing insurance without a license may be necessary.


If you have a disability that prevents you from driving yourself, but you need to insure a car so that someone else can drive you around, you can legally obtain insurance for that vehicle.

Parents Insuring Children

If you are a parent without a license wanting to provide insurance for your teen drivers, you can legally purchase insurance for this purpose.


Many elderly people are no longer able to drive or keep a license, but still want to maintain their vehicles with legal insurance. This makes the vehicle available for friends or family members who want to help the person with errands or trips. You can definitely purchase insurance for this purpose, even if you do not have a license.

Insurance Complications

If your license was suspended for vehicular crimes, you might find that you are not able to legally purchase insurance. There are some legal actions that may make you such a coverage risk that an insurance company does not wish to work with you. You will need to talk with the insurance company about your individual situation.

How To Get The Best Rates

If you are shopping for auto insurance rates without a license, you should keep in mind that there are certain factors that will affect your rates. This can include your past driving record, your age, and your credit score.

To get affordable car insurance for someone without a license, you will want to keep a good credit score. You can’t erase a past driving record, and you cannot help your age, but you can keep your credit score in good health so that you are always getting a good rate.

Byron Johnson Blog Icon By: Byron Johnson