Can You Get Auto Insurance Without a License?

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Hey guys…

I’m in a bit of a unique situation and wondering if anyone has insight. Can you get auto insurance without having a driver’s license?

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In most cases, getting auto insurance without a driver’s license is difficult. Here’s why:

Driver’s Licenses and Insurance: Car insurance policies are typically linked to driver’s licenses. The license serves as verification that you’ve passed both a written knowledge test and a driving skills test, making you eligible for car insurance.

Risk Assessment: Insurance companies assess risk before issuing policies. Someone without a license is considered a higher risk driver, making them less likely to qualify for coverage.

However, there are a couple of scenarios where you might be able to insure a car without a driver’s license:

  1. Listing a Licensed Driver: If you co-own a car with someone who has a valid driver’s license, they can be listed as the primary driver on the insurance policy. This might allow you to be included on the policy as a secondary driver, even without your own license (check with the insurance company for specific requirements).
  2. Named Non-Operator Insurance: In rare cases, some insurers might offer named non-operator insurance. This type of policy provides limited coverage (usually just for theft or vandalism) for a car that won’t be driven. However, this type of coverage is uncommon and not widely available.

Alternative Approaches to Consider:

  1. Wait to Get Insurance: If you’re not planning on driving the car immediately, you can wait until you obtain your driver’s license to get car insurance.
  2. Consider Alternative Transportation: Explore options like carpooling, public transportation, or rideshare services if you don’t need immediate access to a car.
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Yes, you can get auto insurance without a license in some cases, such as insuring a vehicle owned by someone with a license.

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Progressive can provide insurance for you without a license. To transition to being a standard risk, you must have three years of driving history. When individuals have temporary licenses, Progressive mandates that they be included in the policy.

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Yes, it is possible to get an Auto Insurance without a License.