Auto Insurance Companies That Don’t Ask for a License (2022)

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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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Oct 28, 2021

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A Concise Overview

  • 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
CompaniesAverage Annual Rates with a Clean RecordAverage Annual Rates with One AccidentAverage Annual Rates with One DUIAverage 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
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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.

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.

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.

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