Can You Get Auto Insurance Without a Driver’s License? 

Most people assume a driver’s license is required before an insurance company will even take your call. That is not always the case. There are many reasons you may need to maintain auto insurance on a car despite not having a license. Fortunately, coverage options may be available to you.

Reasons Someone May Need Insurance Without a License

People seek coverage in this situation for a variety of reasons:

• A household member drives the car, but the titled owner does not have a license
• A parent wants to insure a vehicle their licensed teen will use
• A person has a suspended license but needs to keep continuous coverage to avoid a lapse
• Someone is planning to get their license after relocating from another country

How the Process Works

Insurers handle unlicensed applicants differently. Some carriers may decline the application outright. Others may issue a policy if a licensed driver in the household is listed as the primary driver. You may be required to list yourself as an excluded driver, which means you agree not to operate the vehicle while unlicensed.

Coverage requirements and available options vary by state and by carrier, so working with an agent who has access to multiple markets can help you find a policy that fits your situation.

What to Have Ready When You Apply

Gather essential information, including the vehicle identification number, details on all licensed drivers in your household and a summary of how the vehicle will be used and stored before you contact an agent. You’ll also typically need to provide a different form of photo ID since you don’t have a license, such as a passport or state-issued ID card. This can help move the process along without delays.

Finding the Right Coverage

Contact Illinois Insurance Family to discuss your situation and find coverage that works for your household, whether you are in Chicago, IL or anywhere nearby.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.