Yes, you can get car insurance with only a state ID, but it is not straightforward. The primary challenge is that insurers require a valid driver's license to assess your driving risk and set premiums. A state ID, which is for identification purposes only, does not grant driving privileges. However, if you are a car owner who does not drive—for instance, you need to insure a vehicle that will be driven exclusively by other licensed drivers listed on the policy—you can typically purchase insurance.
The key is to be transparent with insurance companies. You must explain your situation clearly: you own a vehicle but are not a licensed driver. The policy will then be based on the driving records of the licensed operators you list. Insurers will still use your state ID and other personal information (like your credit-based insurance score in most states) to generate a quote. If you are in the process of getting your driver's license, some insurers might offer a non-owner car insurance policy, which provides liability coverage while you practice driving, but a state ID alone is insufficient for this.
| Scenario | Can You Get Insurance? | Key Considerations |
|---|
| Car Owner, Non-Driver | Yes | Policy must list all licensed drivers; premium based on their records. |
| Unlicensed Driver Seeking Coverage | No | A valid driver's license is a mandatory requirement for a standard policy. |
| Using an EIN for a Business Vehicle | Possible | If the car is registered to a business, an Employer Identification Number (EIN) may be used instead of a personal license. |
| International Driver with State ID | Varies | Some insurers may accept a foreign driver's license for a short period; a state ID helps with identification. |
| Getting a Policy Before License Test | Rarely | Some providers may write a policy conditional on you obtaining a license within a very short timeframe. |
The most reliable path is to speak directly with insurance agents. They can clarify the specific requirements of companies in your state. Be prepared to provide the driver's license information for everyone who will operate the vehicle. If you are unable to get a driver's license due to medical or legal reasons, insuring a vehicle in your name will be significantly more difficult and may not be possible with most major carriers.
