But as an unlicensed driver listed on the policy, you could face higher rates. If you are disabled or no longer able to drive, you might own a car for transportation but have someone else drive you, such as a family member or caregiver. Here are some common reasons you might need car insurance without a driver’s license. Since getting an auto policy without a license can be difficult, it’s a good idea to work with a local agent who can help you navigate the application process and find the best car insurance companies to suit your needs. Reasons to Get Car Insurance with No License Generally, a driver who has continuous coverage will pay less than someone who has a coverage gap. This is a period of time when you don’t have insurance, for instance if you didn’t have insurance because you canceled a policy before a new one was in place or you were between cars.

If you do not have a driving record, had your license suspended or have not had a license for a number of years, you’ll generally be seen as a higher risk, which usually means higher car insurance rates.Īnother reason you can expect to pay more is because insurers see an insurance “coverage gap” as a higher risk. That’s because car insurance companies look at the last three to five years of your driving record when setting rates. But it may cost you significantly more than a licensed driver. While some insurance companies will decline coverage to someone without a driver’s license, other insurers will extend coverage. Can I Get Car Insurance Without a Driver’s License? Getting car insurance without a driver’s license can be challenging. Or you might have a suspended license and have a court order to get car insurance. For example, due to age or health problems, you might no longer drive but still own a car that a family member drives to take you to appointments. There are several reasons why someone without a driver’s license might need car insurance.

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