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Cheapest Car Insurance Without a License: Quotes, Discounts for 2022

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Last Updated: January 2022

According to state law, it is illegal in all 50 states to operate a motor vehicle without a valid driver’s license. So why would someone without a license want to have a car insurance policy? There are a number of reasons and scenarios where having insurance coverage while being unlicensed would make sense. In many cases, having a policy can end up saving you money!

If you’re looking for a policy that fits your lifestyle, Insurify is the best place to look up affordable auto insurance rates from top auto insurance companies. You can customize a policy to best fit your unique situation without breaking the bank. With Insurify, we do the legwork to sift through hundreds of companies and millions of quotes, giving you comparisons in just minutes, for free.

Cheapest Car Insurance Quotes After a Suspended License

After experiencing a license suspension, your insurance requirements might change. In most cases, insurance companies charge more for SR-22 insurance coverage. These policies can cost significantly more than traditional policies. The general result is that liability insurance costs more for high-risk drivers, but keep reading for a list of quotes for affordable car insurance.

Insurance Company Monthly Quote After a Suspended License
Amigo USA $102
USH&C $117
Novo $122
Anchor $127
Farmers $130

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Auto Insurance for Unlicensed Drivers

It might seem counterintuitive to buy auto insurance if you do not have a license and, therefore, cannot drive, but there are some reasons and special situations where an unlicensed driver could benefit from having proof of insurance. In some cases, having car insurance coverage can help just protect their vehicle and others and even help save money on monthly premiums.

Listing Yourself as an Excluded Driver

If you don’t have a license but need to buy a policy, you can list yourself as an excluded driver. This means that you will not receive any coverage from car insurance companies, and you should not drive your vehicle. If you decide to drive as an excluded driver, your insurer will not pay claims for any accidents or collisions, and you will be responsible for paying for all damage.

You can also choose to exclude other drivers on your policy. This might be a good option for policyholders who have high-risk drivers with a poor driving history — like a DUI/DWI or other proof of reckless driving — on their policy. Anyone on your policy who insurers view to be high-risk can cause your car insurance rates to rise, so it might be better to exclude them.

Parked Car Insurance

Maybe you don’t have a license, but you still own a car and want to protect it from damage, like accidents or vandalism. In this case, you might be interested in getting parked car insurance. With this, your car will be covered if it is damaged while parked. Talk to an insurance agent to see if your car can be covered by a collision, comprehensive, or uninsured motorist policy.

This is also an option for people who put their car in storage, like a parking garage, while on vacation or for the winter. During this amount of time, drivers might consider dropping their car insurance policy while not using their car. This can lead to savings in the short term, but there are definite risks to owning a car without a policy. Parked car insurance may be a better option.

Getting Car Insurance with a Suspended License

Can you get car insurance with a suspended license? Yes! There is a special type of car insurance for those with a driver’s license suspension and who have had their driving privileges revoked. The department of motor vehicles (DMV) might require you to enroll in SR-22 insurance if you have a driving record with a DUI/DWI, traffic violations, or other claims.

The DMV may ask suspended drivers to provide an SR-22 form, also known as a Certificate of Financial Responsibility. This proves that you have bought the insurance coverage required by the state for reinstatement of your driving privileges. Insurance providers will raise the cost of your premium, so shop wisely! Another option is to explore getting a restricted license instead.

Challenges of a Suspended License

Having a driver’s license is not just another identification card. It also means having the freedom to travel on your own time. Many people rely on their cars and the ability to drive in order to get to work and make an income, drive family members to school and other places, run errands, and more. Getting your license suspended can lead to some challenges in daily life.

If you are the primary driver, there may be ways to support your lifestyle. The Massachusetts State Department provides hardship driver’s licenses to applicants who qualify so that people are still able to drive for work, school, or medical reasons, even in the case that their licenses have been suspended. In many instances, this is needed to support livelihoods and health.

For Massachusetts drivers, this is a way to get around a license suspension for offenses like a DUI, operating under the influence, drug convictions, multiple traffic tickets, and license fraud. In instances like these, you may be able to drive legally during your suspension or the revocation of your license.

In order to qualify for a hardship license, applicants must show that driving is absolutely necessary. This means that you must have valid proof of a real need to drive for your job, your education, and/or health and medical reasons. If you are unable to do so, the Massachusetts DMV will not approve your request for a hardship license.

Being able to drive has great power and can be used as an incentive to get people to follow certain rules. For example, the state department can suspend someone’s driver’s license if they realize they have not been complying with state requirements. Social services can take away a driver’s license as an incentive in enforcing child support payments.

The department of child services can legally suspend a parent’s driver’s license without any prior notice if they are not paying child support on time. Some parents can receive a notice on the same day that their driving privileges are being revoked. In most instances, parents are not able to dispute the suspension until all payments are made.

Registering a Car Without a License

Even without a driver’s license, you are able to buy and register a car under your name. In most cases, you also need to have an auto insurance policy in order to register your car, so it’s helpful that this can be done without a driver’s license as well. Owning a car without having a valid driver’s license — and therefore being unable to drive it — can be useful for a variety of reasons.

In any case, licensed or unlicensed, anyone who chooses to own a car needs to register it. After registering a car, owners are given a set of license plates and a registration card. This is not to be confused with a license number, which is on a valid driver’s license. Some people will also receive a registration sticker for their car window or license plate, depending on where they live.

Registering a car without a license might be useful for people who have had their driving privileges revoked due to medical reasons but who have a caregiver who is able to drive them to and from medical appointments. Some older parents might also choose to do this for their younger teen children who are newer drivers less likely to have their own policies.

It is important to note that for anyone who buys and registers a car, there is a minimum amount of auto insurance that they also need to purchase. This is required by the state and the amount of coverage varies by each state’s laws. Every state requires cars to be registered if they are driven on public roads, and this can be done at the DMV, which keeps a record of registered cars.

Tips for Cheaper Car Insurance

Shop Around for Car Insurance

In any case, the easiest way to save on your insurance policy is by shopping around and comparing car insurance rates. Especially for those who need a special SR-22 policy, which can cost significantly more than traditional policies, it’s best to do your research before committing to a policy. Insurify is here to help you find the best rates in the market, and it costs you nothing.

Save by Buying a Pre-owned Car

Simply put, expensive and flashy cars cost more to insure. You can save on your auto insurance policy by not purchasing a new car or a sports car, which typically cost more to repair and replace. If you are an unlicensed driver and want coverage to protect a parked car, you might find that it’s cheaper to do so with a standard, older model or a pre-owned (used) car.

Keep Your Driving Record Clean

In almost any instance, policyholders can save on their car insurance by keeping their driving history free of collisions, claims, and accidents. Unlicensed drivers who choose to buy policies can list themselves or other drivers as excluded drivers if they are considered high-risk. If you have a suspended license, see what options are available to dispute your claims or lower costs.

Frequently Asked Questions

  • Definitely! While it may not seem intuitive, you do not need a license in order to have a car insurance policy. While all 50 states require that anyone who operates a vehicle does so with a valid driver’s license, this is not a requirement for purchasing auto insurance coverage. There are a number of reasons or special circumstances for wanting coverage without a license.

  • Having car insurance coverage without a license can be a great option for people in certain situations. For example, people who have had their driving privileges revoked due to health issues might need a personal driver to drive them to and from medical appointments. Car collectors might be interested in this to protect their collectibles from any potential damage.

  • The first thing is to determine whether you even need car insurance without a license. If you are unlicensed, you are likely not driving. These options exist for people in very special situations. If you are ever unsure, talk to an insurance agent to find the best policy for you. In some instances, a reduced policy might be your best option.

The Best Way to Compare Cheap Car Insurance Quotes

Despite what many people might think, there are a number of reasons why someone would not have a driver’s license but choose to purchase auto insurance or even a car. Unique circumstances exist, and in any case, it is almost always helpful to have the coverage you need, even if you yourself are not able to get behind the wheel.

For this reason, Insurify is here to help people find the best car insurance rates at a price they can afford. Our tools help you compare quotes from top insurance companies for free in just a few minutes. Even if you’re not a valid license holder, you should be able to protect yourself, your loved ones, and other folks on the road from accidents or damage.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.