How to Get Car Insurance Without a Driver's License

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If you own a car, it’s mandatory that you purchase car insurance in most states. And to get insurance you usually need a driver’s license or at least a provisional driver’s license. However, there are a few exceptions. If you have a medical condition or need a license after legal trouble — you may find yourself in a situation where you need car insurance before you have your license on hand.
And although this can be challenging, it’s not impossible! In this article we’ll explain what you must do to get car insurance if you don’t have a driver’s license.
Step 1: Collect your supporting documentation. Few reasons make it mandatory to buy car insurance without a driver’s license. You’ll need to prove your reason with documentation.
If you’re unable to drive but want to own and insure a car that someone else will use to drive you around, you’ll need legal proof. Disability papers or medical documentation will be necessary.
If you’ve surrendered your driver’s license as a senior citizen but will have someone such as a grandchild drive you around, you’ll need to prove residency. Most insurers will not allow someone with the same address to be your driver.
  • Note: if you reside at the same address as your driver, the insurance company may consider you as a risk — a potential driver — to the insurance policy, driving the premiums up.
If you’ve lost your license due to a driving conviction, you’ll need proof for your insurance provider. In many cases, you’ll need proof of car insurance before your driver’s license will be reinstated, making this necessary.
Step 2: Shop for car insurance companies to sell you a policy. As a higher-than-normal risk policy, you’ll need to contact providers to discover if they will sell you car insurance without a driver’s license.
As the situation is unique for each individual, you may need to phone several insurers for competing quotes, or simply to find one company that will offer you car insurance.
Have your supporting documentation on hand to prove your need for car insurance under your extenuating circumstances.
Step 3: Select the car insurance that best fits your needs. Consider the cost, the deductible, and the levels of coverage available when you select your car insurance policy.
Step 4: Provide your complete driver’s profile. You’ll need your identification and your previous driver’s license number if you had one. This information can be conveyed in person and, in some cases, over the phone.
Step 5: Give the insurance company the information for the person who will be driving. It’s best if the person driving your car is present with you when you set up the policy.
Step 6: Provide the complete vehicle information. You’ll need to provide the vehicle’s VIN and the make, model, and trim.
You might also need to give the approximate mileage on the odometer.
Step 7: Pay for your car insurance. The insurer will let you know how you can make your payment. You’ll generally have a few choices for how to pay for a policy — monthly, yearly, or twice a year.
If you’re calling to set up car insurance over the phone, you can pay by credit card in many cases.
Once your policy has been purchased, you’ll be provided with a copy of the car insurance policy, either in person or sent to you digitally. It may be challenging to get car insurance without a driver’s license, but it’s possible. If you have a medical condition or need to get a driver’s license after legal trouble, follow these steps to get car insurance and make sure you’re always covered.

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