How to Get Car Insurance With No License

Young woman driving her car
Image Credit: David Oldfield/Photodisc/Getty Images

If you own a vehicle, you need auto insurance. While obtaining car insurance under normal circumstances is relatively easy, it can be a challenge if you don't have a driver's license, despite the fact that you need it for legal and liability reasons. Follow these steps to get car insurance without a driver's license.

Step 1

Contact insurance providers in your area to obtain insurance quotes. Many insurance companies may not even ask if you have a valid driver's license.

Step 2

Explain to insurance companies, if asked, why you're without a driver's license. If it's because you're under suspension or revocation for no auto insurance, then the provider will likely give you 30 to 45 days to get your license back or the policy will expire.

Step 3

Pass the driver's exam if you're just reaching the legal driving age. If that is the case, most insurance companies will cover you with a driver's permit and then require proof of your license when you pass the test.

Step 4

Take proof of insurance to the court if you're under license suspension or revocation for no insurance, and the court will reinstate your driving privileges. Be aware that you may have to pay a fine as well.

Step 5

Show the insurance company proof that your license is now valid so that you can keep your insurance policy active.

Tip

Another option is to have the vehicle insured under a family member's policy. If you're dealing with a license suspension or revocation with the courts, it's a good idea to hire a local attorney to assist you with the proceedings.

Warning

Most insurance companies won't provide car insurance long term if you can't provide proof of a valid driver's license.

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