How to Get Car Insurance Without a Driver's License

The reasons to get car insurance without a driver’s license are few, but do occur. You’ll need an insurance company willing to sell you a policy.
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If you own a car, it’s mandatory that you purchase car insurance. To do so requires a driver’s license. However, in certain circumstances such as a medical condition or if you need to obtain a driver’s license after legal trouble, you might need to buy car insurance before you have a driver’s license on hand. It’s not impossible but it does prove to be an added challenge. Here’s what you’ll need to do to get car insurance without a driver’s license: Part 1 explains how to find an insurance company that will insure you and Part 2 tells you how to buy the insurance policy.

Part 1 of 2: Find a car insurance company to provide a policy

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.

Part 2 of 2: Purchase your car insurance

Step 1: 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 2: 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 3: 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 4: Pay for your car insurance. The insurer will let you know how you can make your payment.
If you’re calling to set up car insurance over the phone, you can pay by credit card in many cases.
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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