Cheap Auto Insurance Companies That Don’t Ask for a License in 2024
Finding auto insurance companies that don't ask for a license is nearly impossible since your driving record is a major factor in determining your rates. Bad driving can increase your rates by around $150 a month. If you do find car insurance companies that don't ask for a license, chances are rates will be much higher than with a traditional auto insurance company.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
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UPDATED: Jan 27, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jan 27, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- You can get affordable auto insurance without a license, but it is hard to find
- Your driving record is a significant factor in determining your auto insurance rates
- There are many reasons you may need auto insurance without a license
It might surprise you that you can get auto insurance without a driver’s license. Although there are times you might need certain auto insurance coverages when you don’t have a license, it is rare.
Finding auto insurance companies that don’t ask for a license is a challenge because your driving record is very important in determining your rates.
Even if you don’t have a license, shop around for insurance that meets your needs. Each insurance company will offer different rates based on your unique situation.
If you’re looking for car insurance companies that don’t ask for a license, enter your ZIP code now to compare free auto insurance quotes from companies near you today.
Can you get auto insurance without a driver’s license?
Many people are surprised to learn that you can buy a car, register it, and get auto insurance all without a driver’s license.
Car insurance companies that don’t require a license are very few. Many factors affect your auto insurance rates, but your driving record is the most significant.
Auto insurance companies need to know what kind of risk you pose as a driver. The best way for them to figure that out is to look at your driving history.
This table shows you just how important your driving record is to your auto insurance rates:
Average Annual Auto Insurance Rates by Driving History
| Companies | Average Annual Rates with a Clean Record | Average Annual Rates with One Accident | Average Annual Rates with One DUI | Average Annual Rates with One Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,819.90 | $4,987.68 | $6,260.73 | $4,483.51 |
| American Family | $2,693.61 | $3,722.75 | $4,330.24 | $3,025.74 |
| Farmers | $3,460.60 | $4,518.73 | $4,718.75 | $4,079.01 |
| Geico | $2,145.96 | $3,192.77 | $4,875.87 | $2,645.43 |
| Liberty Mutual | $4,774.30 | $6,204.78 | $7,613.48 | $5,701.26 |
| Nationwide | $2,746.18 | $3,396.95 | $4,543.20 | $3,113.68 |
| Progressive | $3,393.09 | $4,777.04 | $3,969.65 | $4,002.28 |
| State Farm | $2,821.18 | $3,396.01 | $3,636.80 | $3,186.01 |
| Travelers | $3,447.69 | $4,289.74 | $5,741.40 | $4,260.80 |
| USAA | $1,933.68 | $2,516.24 | $3,506.03 | $2,193.25 |
A single ticket can raise your rates by $45 a month, and one DUI will cost you an extra $150 a month.
What insurance companies will insure you without a license? Most of the top car insurance companies won’t insure you without a driver’s license. (For more information, read our “Can I buy auto insurance without having a license?“)
Can I find no license car insurance near me? If you shop around, you may be able to find some smaller companies in your area that are willing to take that chance.
Rates from auto insurance companies that don’t ask for a license will be even higher since they have no basis for determining if you are a high-risk driver.
Why would you need auto insurance without a driver’s license?
A few reasons you may need car insurance without a license include:
- You have a teen with a permit, but you don’t have a driver’s license
- Your license has been suspended, and you don’t want your coverage to lapse. You may be required to buy high-risk auto insurance to keep coverage valid
- You collect cars and need them insured in case of damage
- You are medically unable to drive but own a car that someone else drives for you
If you have had a driver’s license but it isn’t valid at the moment, you might want to consider keeping auto insurance anyway. This is especially true if you think you will have a valid license in the future. (For more information, read our “Consequences of Driving Without a License“).
While you won’t be able to drive, you also won’t show a lapse in car insurance. If an auto insurance company sees a lapse in coverage, your rates will increase when you are ready to drive again.
You also don’t want to drive without auto insurance. According to the Insurance Information Institute, around 12% of drivers are uninsured. Driving with no auto insurance can lead to fines, driver’s license suspension, and possible jail time.
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What are other ways to get auto insurance if you don’t have a driver’s license?
Even if you don’t have a driver’s license, you may still need your car insured, and there is more than one way to figure out how to get car insurance without a license.
For example, you can list someone else as the primary driver on your car insurance policy to get coverage without a license. This would be helpful if you were medically no longer able to drive but had a driver that would use your car.
You can also list someone else as a co-owner of your vehicle. This would allow the other person to get auto insurance. You can still be listed on the policy as an excluded driver.
If you chose to add either a primary driver or a co-owner of your car, make sure they have a good driving record. If they don’t have a clean record, you still may end up paying more for auto insurance.
What You Need to Know About Auto Insurance Companies That Don’t Ask for a License
Auto insurance companies that do ask for a license will likely offer you lower rates than those companies that don’t ask for a driver’s license.
Shop around and compare car insurance quotes from auto insurance companies that don’t ask for a license and from companies that do. Compare multiple companies before you buy auto insurance to find the best deal for you.
Now that you know about auto insurance companies that don’t ask for a license, compare quotes from companies in your area for free by entering your ZIP code below now.
Frequently Asked Questions
Are there auto insurance companies that don’t require a driver’s license?
No, auto insurance companies typically require a valid driver’s license in order to provide coverage. Having a driver’s license is a legal requirement for operating a motor vehicle, and insurance companies need this information to assess the risk associated with insuring a driver.
Can I get auto insurance without a driver’s license?
It is highly unlikely to get auto insurance without a driver’s license. A valid driver’s license is a fundamental requirement for legally driving a vehicle. Insurance companies need this information to verify that you are a licensed driver and assess your driving history and experience.
Why do auto insurance companies ask for a driver’s license?
Auto insurance companies ask for a driver’s license for several reasons:
- Verification of identity: Your driver’s license serves as a valid form of identification, helping the insurance company confirm your identity.
- Licensing status: The insurance company needs to ensure that you have a valid driver’s license to legally operate a motor vehicle.
- Driving history: Your driver’s license contains information about your driving history, such as previous accidents, violations, or claims. This information helps the insurance company assess your risk as a driver and determine your insurance premium.
Can someone else insure a vehicle for me if I don’t have a driver’s license?
In most cases, the primary driver of a vehicle must be the one to obtain auto insurance and have a valid driver’s license. However, there are some exceptions in specific situations:
- Named driver: If you don’t have a driver’s license but want to insure a vehicle that will be primarily driven by someone else, you may be able to add yourself as a named driver on their policy. This allows you to be covered when driving the vehicle with the named driver present.
- Non-owner car insurance: If you don’t own a vehicle but occasionally drive vehicles that are not registered in your name, you may consider non-owner car insurance. This type of policy provides liability coverage when you’re driving a vehicle that belongs to someone else.
What are the consequences of driving without auto insurance or a driver’s license?
Driving without auto insurance or a driver’s license is illegal in most jurisdictions. The consequences can vary depending on the laws of your specific location, but common penalties include:
- Fines: You may be subject to hefty fines if caught driving without insurance or a license.
- License suspension: Your driving privileges may be suspended or revoked if you are caught driving without a license or insurance.
- Vehicle impoundment: In some cases, law enforcement may impound your vehicle if you are driving without proper insurance or a license.
- Legal consequences: Driving without insurance or a license can result in legal charges and may have long-term implications on your driving record and ability to obtain insurance in the future.
Compare Quotes From Top Companies and Save
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.