how can i get car insurance without license

[VonGabrielle]

Yes, you can get car insurance without a driver's license, but the process is different and typically more expensive. The key is that car insurance follows the vehicle, not necessarily the driver. Companies issue these policies under specific circumstances, such as when you own a car but have a permitted driver who will be operating it, or for special situations like insuring a classic car in storage.

The most common scenario is designating a primary driver. This is a licensed individual who will be the main operator of your vehicle. You, as the owner without a license, are listed on the policy as the vehicle owner. The insurer will base the premium primarily on the primary driver's record. You'll need to provide their license details and driving history. Common reasons for this setup include elderly individuals who no longer drive but own a car used by a caregiver, or individuals with a medical condition who own a car driven by a family member.

Another valid reason is insuring a car that is not currently being driven, such as a classic or collector car in storage. In this case, you would purchase a comprehensive-only policy (often called a "storage policy") that covers physical damage from fire, theft, or vandalism but provides no liability coverage since the car isn't on the road. You must explicitly confirm the vehicle will not be driven.

Some insurers may also accommodate situations where you are an international customer who has a valid license from another country but not yet a U.S. license, though you may need an International Driving Permit. It's crucial to shop around, as major carriers like GEICO, State Farm, and Progressive have different underwriting rules for these non-standard situations. Always be transparent with the insurer; misrepresenting the primary driver could lead to a denied claim.

Scenario	Typical Policy Type	Key Requirement	Common Insurers
Primary Driver Setup	Standard Liability/Full Coverage	Must provide licensed driver's details	State Farm, Allstate, GEICO
Vehicle in Storage	Comprehensive-Only (No Liability)	Vehicle must not be driven	Hagerty, Grundy (for classics)
International License Holder	Standard Policy	Valid foreign license + IDP often required	Progressive, some local agents

[McRemington]

Honestly, it's a hassle but doable. I had to do this for my dad after his license was suspended for medical reasons. He still owned the car, and I was driving him everywhere. We just called the insurance company, listed me as the primary driver, and kept him on as the owner. The rate went up a bit based on my record, but it was straightforward. The big thing is being totally honest with them about who's actually behind the wheel.

[McElliot]

Think of it as insuring the car itself, not you as a driver. The insurance company's main concern is the risk of the person operating the vehicle. So, if you have a valid reason—like owning a business with company cars or storing a project car—you'll need to identify the licensed driver who will use it or prove it won't be driven. Expect to pay more and provide extensive documentation. Non-owner policies are not an option here, as those still require a valid license.