Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Car Insurance Agent

UPDATED: Oct 19, 2021

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The Short of It

  • The top auto insurance companies that insure unlicensed drivers are The Hartford and GEICO
  • People with learner’s permits, people who no longer drive themselves, or people who own collectible cars may need no-license auto insurance
  • There may also be local agencies offering auto insurance with no license required near you

The top auto insurance companies that insure unlicensed drivers are The Hartford and GEICO. However, unlicensed drivers might struggle to find traditionally underwritten coverage.

Below, learn what companies offer coverage for unlicensed customers and discover tips for buying the best policy for you.

After learning how to get auto insurance quotes from companies that insure unlicensed drivers, remember to enter your ZIP code into our free comparison tool above to receive rates from reputable providers near you.

What are the top auto insurance companies that insure unlicensed drivers?

The best auto insurance company that insures unlicensed drivers is The Hartford auto insurance company, which works closely with the American Associations of Retired Persons (AARP) and focuses on senior auto insurance.

On the company website, The Hartford invites seniors who cannot drive to call the company directly to talk to an agent for unlicensed-customer auto insurance.

GEICO auto insurance company also insures unlicensed drivers and is available to everyone. However, you must speak to an agent directly.

Unfortunately, it’s more common to come across affordable auto insurance companies that don’t insure unlicensed drivers.

Unlicensed drivers are always considered high risk to auto insurance companies because they often don’t have a driving history to analyze.

This means you should expect to pay higher than average rates for your policy.

Many of the national auto insurance companies aren’t willing to take on the risk of an unlicensed driver. So you may have an easier time securing no-license auto insurance near you from smaller local agencies.

But some other affordable auto insurance companies that insure unlicensed drivers include:

However, these companies may deny you if you’re unlicensed and try to apply for a traditional policy.

Ultimately, the best way to buy auto insurance from companies that insure unlicensed drivers is to name someone else as the primary driver on the policy.

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Can you buy auto insurance without a license?

Fortunately, you can secure auto insurance without a license. You can avoid only getting auto insurance rates from companies that don’t insure unlicensed drivers by following our easy tips below.

First, since you can’t buy auto insurance from companies that don’t insure unlicensed drivers, try purchasing a policy and listing someone else with a valid license as the primary driver.

This is recommended for the elderly or people with caregivers, but folks who own collectible cars may also consider this method.

In some states, you can even exclude yourself but still maintain ownership of the policy contract.

Alternatively, you can research local auto insurance companies in your region who specifically work with unlicensed customers.

If you want to use a national insurance company, call the company directly. Most online quote forms require a valid license number, even if the company doesn’t need one.

Another option is to change your car’s registration so a licensed driver is the co-owner, as some auto insurance companies require vehicle ownership to purchase a policy.

Finally, consider purchasing comprehensive insurance, sometimes called parked-car coverage, to protect your vehicle while it’s parked.

But are unlicensed drivers covered by insurance if they’re involved in an accident? No, driving without a license is illegal. If you’re caught, your insurance company could deny your claim, leaving you responsible for paying out of pocket.

According to the Insurance Information Institute (III), the average bodily injury liability claim in 2019 cost $18,417.

Plus, your insurance rates would increase, or you risk losing coverage altogether. So if you do not have a license, do not risk driving a vehicle.

Can you register a car without a license?

Typically, you do not need a license to register your car. You can also buy a car without a license in almost every state.

However, most regional laws do require you have proof of insurance on the vehicle before you can register it.

Remember, if you keep receiving auto insurance quotes from companies that don’t insure unlicensed drivers, you may need to call some companies directly to explain your situation.

Auto Insurance Companies That Insure Unlicensed Drivers: The Bottom Line

To avoid getting quotes from an auto insurance company that doesn’t insure unlicensed drivers, start by calling companies and speaking with an agent about your situation directly.

It’s also possible the best ​​auto insurance with no license required near you could be found with a small, local insurance company.

You’ve seen auto insurance rates from companies that insure unlicensed drivers, now compare quotes from the top companies near you by entering your ZIP code into our free tool below.