How do I get car insurance in North Carolina if I don’t have my license yet?

I live in North Carolina and the DMV here says that I can’t get a license without insurance … but I can’t get insurance without a license. What am I supposed to do?

Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
The state of North Carolina requires proof of liability insurance to issue a standard driver’s license. But you have options:
  • Non-owners car insurance
    policy: This type of policy can be issued to a driver without a vehicle—and due to the licensing requirements in North Carolina, many companies issue these policies to unlicensed drivers who are looking to obtain a license.
  • License with fleet restriction: If you cannot get an insurance policy at this time, the NC DMV will issue you a license with a “fleet restriction.” This means you can only drive to and from places like a rental car company—but you are not permitted to borrow a car from a friend or family member.
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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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