How do I get car insurance in North Carolina if I do not 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?

Answer provided by
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Shannon Martin
Answered on Apr 29, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“The state of North Carolina does require proof of liability insurance in order to issue a standard driver’s license.
If you cannot get an insurance policy at this time, the NC DMV will issue a license with a “”fleet restriction.”” This means you can only drive a vehicle from places like a rental car company, not cars from friends or family members.
One option available to you is to buy a 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. “
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