Yes, you can get car insurance without a driver's license, but it is a specialized situation with significant limitations. The process is not standard and is typically reserved for specific circumstances, such as insuring a car that will be driven exclusively by other licensed individuals or for a vehicle that is not being driven at all. The key is that you, as the unlicensed person, would be listed as the vehicle owner or policyholder, but not as a driver.
The most common scenario is a parent insuring a car for their licensed teenage driver. In this case, the parent (the policyholder) owns and finances the car, but the teen is the primary operator. You must disclose all licensed drivers who will operate the vehicle to the insurer. Attempting to hide an unlicensed driver who will actually be behind the wheel is considered insurance fraud and will void the policy.
Another valid reason is securing comprehensive and collision coverage for a classic or collector car that is being stored or transported, not driven on public roads. This protects your financial asset from theft, fire, or damage. Some states may also allow an unlicensed individual to purchase the minimum required liability coverage to register a vehicle, but you must prove a licensed driver will operate it.
| Scenario | Typically Allowed? | Key Requirements & Considerations |
|---|
| Insuring for a Licensed Teen Driver | Yes | Parent/guardian is policyholder; licensed teen must be listed as primary driver. |
| Classic/Collector Car in Storage | Yes | Must prove vehicle is not for daily use; coverage is for physical damage, not liability. |
| Registering a Vehicle | Varies by State | Some states require proof of insurance for registration, even if owner is unlicensed. |
| Unlicensed Driver as Primary Operator | No | This is illegal and constitutes insurance fraud. Policy will be canceled. |
| Business-Owned Vehicle | Yes | The company owns the car; all employees driving it must be licensed and listed. |
Be prepared for higher premiums, as insurers view unlicensed policyholders as a higher risk. You will need to provide the driver's license information for all individuals who will be driving the car. Shopping around with different providers is essential, as not all companies offer these types of policies.
