How to Get Car Insurance with No Driver’s Licence in 2022

How to Get Car Insurance with No Driver's Licence in 2022

As it sounds, when you don’t have a valid Driver’s License and you want to get yourself and your car a Car Insurance, that is exactly where Car Insurance No Driver’s Licence comes in.

On a normal day and legal view, unlicensed driver’s insurance might sounds strange to you at first. It is of course illegal to drive without a license, so why would someone need car insurance without a driver’s license

Know that if you own a car, it’s very mandatory that you purchase car insurance in most states. And to get insurance you usually need a driver’s license or at least a provisional driver’s license.

So therefore, there are a few exceptions. If you have a medical condition or need a license after legal trouble, you may need car insurance before you have your license on hand.

And of course definitely although this can be challenging, it’s not impossible! So, here’s how to get insurance on a car without a license, with a little help from

This particular driver’s license number is one of the first things most insurance providers request before they’ll provide a quote.

Surely it’s because insurance providers see it as a risk to insuring an unlicensed driver, regardless of your reason for being unlicensed. Some insurance companies will cover you if you have a state-issued ID card.

But, there actually are valid reasons to purchase car insurance if you don’t have a license. This article details those reasons and explains how to go about getting insurance in each scenario.

What Exactly is Unlicensed Driver’s Insurance?

In a simple way, unlicensed driver’s insurance is a special type of car insurance that provides coverage for car owners who do not have a license and do not plan to drive their cars. So if you own a car, you need insurance, even if you don’t drive. If someone else ever drives your car and gets in an accident, you’ll be considered an uninsured driver as your coverage is responsible for covering accidents.

This same unlicensed driver’s insurance does not cover people who actually drive a car without a license. If you let an unlicensed driver use your car and they get into an auto accident, your insurance claim will most likely be denied.

The Penalties For Driving Without A License

Assuming you are planning to drive a vehicle without a valid driver’s license, don’t. Driving without a license is a terrible idea and can result in major penalties.

There are some fines vary by state, but in many cases, your vehicle will be impounded and you’ll spend six months in prison. Most states issue fines for a first offense ranging from $100 to $1,000. In Indiana, fines can be as high as $10,000.

Having unlicensed driver’s insurance will not shield you from the penalties of driving without a license.

When is Unlicensed Driver’s Insurance actually Needed?

Let’s assume you want unlicensed driver’s insurance, call up your top choices for car insurance providers and explain your situation.

Of course just under no circumstances should you lie to the insurance company. If your lie is found out, your policy will be canceled and auto insurance coverage denied.

The General strategies for how to buy car insurance as an unlicensed driver will vary depending on your reason for getting insurance.

When you own a vehicle that others will drive

Fortunately, you surely may be unable to drive but have a close friend or family member who will drive your car. For this, you’ll need unlicensed driver’s insurance. Even though this is a valid reason to purchase car insurance, you may still have trouble finding it. Most providers will not give you an auto insurance quote unless you provide your driver’s license number first.

What you can do is list another licensed driver as the primary driver. It is this person’s license number you then use to request a quote. If you know who will be driving the vehicle for you, see about having that person named the primary driver.

You can also specifically exclude yourself from coverage. Excluded drivers are people you name on your car insurance policy as being specifically prohibited from driving your vehicle.

Listing someone else as the primary driver is easier if that person lives with you.

Just incase the primary driver does not live with you, car insurance companies may be more hesitant to let you name them on your policy.

So therefore for this type of matter, consider co-titling your vehicle with the person who will be driving it. This person can then more easily be listed as the primary driver after all process has been done.