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Do I need a driver's license to get car insurance?

I don't have a driver's license yet, but I just got a new car for when I obtain it. I want to get insurance and register it so it's ready when I get my license. Can I insure it without a license?

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Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Whether you’ll be able to get
car insurance without a driver’s license
depends on where you live.
If you have a permit, you can likely get
car insurance
. However, not every company offers insurance policies for permits. Some states and companies also require that a fully licensed driver be listed on the policy as well.
If you only have an ID card and no other type of provisional license, you typically wouldn’t be able to get insurance. Most insurance companies require a valid license to be insured. As you can’t legally drive a vehicle without a license, they won’t issue insurance.
If a company allows you to insure your vehicle without a license, your rates will likely be significantly higher than someone with a valid license. As you don’t have a driving record, insurance companies will consider you a higher risk to insure.
Once you find insurance, you’ll also need to check with your state’s DMV to confirm you’ll be able to register it. Some states require a valid license to register a vehicle.
Don’t let rejections for car insurance leave you flustered. Instead, use
Jerry
. You can sign up in just minutes to compare quotes from over 40 insurance providers to find the best rate once you’re ready to get behind the wheel!”
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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