Can I Get Auto Insurance Without A Driver License?

  1. 16470 POINTS
    David Osgood
    Agent, Rural Mutual Insurance Co., Union Grove, WI
    I would have to say no. Every auto insurance carrier that I am aware of requires a drivers license number of all drivers that are to be covered by a policy. For a carrier to take on a risk that does not have a drivers license and is not getting insurance to have their license re-instated would possibly be a very unprofitable thing for the company to do.
    Answered on November 6, 2013
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  2. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    Auto insurance is based on the car.  However, it is attached to a household.  Only licensed drivers will be allowed to drive the car.  The insurance company will review the driving record of each household member.  If there is someone in the household who could have a license but does not the company might issue the policy with that person being excluded from driving the car.
    Answered on July 11, 2014
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  3. 21750 POINTS
    Jim Winkler
    CEO/Owner, Winkler Financial Group, Houston, Texas
    That is a great question! Unfortunately, the answer is not so great. The likelihood of you driving the car without a license if you know it's insured is pretty high, and that is not a good thing for any insurer. The penalties for getting caught driving without a license are a whole lot worse, when they find you are uninsured also. The companies are all about risk, and no reputable company will take on that one. Get your license, then the insurance. I hope that helps, thanks for asking!
    Answered on July 12, 2014
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