Can I get car insurance without a drivers license?

There are many reasons why you may need to get car insurance without a drivers license, including foreign students who are studying abroad in the U.S. It can be difficult to get auto insurance without a license but not impossible. Car insurance companies will often offer short-term car insurance to those without a drivers license. Start comparing temporary car insurance rates above with our free calculator.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Oct 24, 2020

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In a nutshell...

  • It’s illegal to drive without a license in all 50 states
  • There are many reasons why you would need a temporary license
  • You always verify with your local state department about driving licensing regulations

Why would you need car insurance without a driver’s license? Many reasons actually especially if you are a foreign resident or young driver and do not qualify for car insurance.

The problem with not having a drivers license if you are almost impossible to rate and remember, car insurance premiums are based on risk.

If a car insurance company can not rate you then it’s pretty hard for them to assess risk so instead of denying you car insurance coverage they may offer some applicants an option to purchase temporary car insurance.

Looking for low-cost car insurance quotes? Enter your zip code above and start comparing quotes for FREE!

Who needs temporary car insurance?

Temporary insurance is very common in many situations, which require drivers to obtain car insurance while not having an official drivers license in place.

Temporary car insurance is very popular with drivers who:

  • Have a Learner’s Permit
  • Hold an International Driver License
  • Pending issuance of a drivers license relatively soon (60 days maximum)

People moving to the USA from overseas or young drivers who need their own car insurance policy because of primary driver issues are just a couple examples.

Obviously, the lack of a valid drivers license will severely limit your choices of car insurance options, however, if its short term car insurance you need then its possible to buy a policy for a limited period of time.

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What auto insurance providers sell temporary car insurance?

Many insurance companies provide some form of temporary car insurance, but the number of providers is far less than traditional car insurance.

You can always call your local State Department of Insurance for a list of providers although most likely it will be a difficult phone call getting anybody on the phone who actually knows what you’re talking about.

What happens when my temporary car insurance policy expires?

You will have to get new temporary car insurance in place should you wish to drive and still have issues with your driver’s license.

While some car insurers will automatically renew temporary car insurance policies others only provide it one time.

The quickest way to avoiding the headache of temporary car insurance is to do whatever it takes to get a valid drivers license in hand!

How much does temporary car insurance cost?

Temporary car insurance rates are much lower than you may think but it really depends on where you live, what your circumstances are and how much you expect to drive while under such policy.

The fact is, car insurance is mandatory in almost all states, and the penalties and personal liability exposure of driving with no car insurance greatly outweigh the cost of temporary car insurance premiums.

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