Gianetta Palmer is a writer for CarInsurance101.com, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Mar 13, 2020

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Car insurance is primarily designed to pay for damage to the vehicle it insures as well as any damage that vehicle may cause. This means that car insurance coverage follows the vehicle rather than the driver. If you do not have a vehicle, you may not need to buy auto insurance. However, there are some occasions when it makes sense to purchase an auto insurance policy even if you do not drive.

There are many reasons why a person may not have a driver’s license. You may own a car but not be able to drive it due to age or disability, the license may have been suspended or revoked due to a DUI or traffic violations or someone may simply choose not to own a car for ecological or economic reasons. Depending on the reason for not having a driver’s license, purchasing a car insurance policy can still be a fairly straightforward procedure.

You own a car but don’t drive it

If you own a vehicle that you do not drive, you can still obtain auto insurance to cover any damage that vehicle may sustain. For example, if you are elderly and cannot legally drive, you may wish to maintain auto insurance on your vehicle to protect it from being damaged while parked or in storage. You may also want to keep insurance on the vehicle so that your child or caretaker can drive the car. If the vehicle is in storage, you may not need to carry full coverage insurance on it but rather a storage-only policy to provide protection against weather damage or acts of vandalism without the expense of full coverage insurance.

Your License Has Been Suspended

For many violations, obtaining active auto insurance is a necessary step to having a suspended license reinstated. In this situation, you will need to explain your needs to a car insurance company in order to obtain a policy and the necessary paperwork for the DMV. Your auto insurance rates may be higher if your license has been suspended due to traffic violations or a DUI conviction, but after several years of safe driving your policy should decrease in cost.

You do not have an American License

Visitors to the US from foreign countries may not need to obtain an American driver’s license in order to operate a vehicle. However, if you are on an extended stay in the country and need to purchase auto insurance to pay for a rented or leased vehicle, you can still obtain a policy for this purpose. Depending on how long you need the policy, you may need to purchase this type of insurance from a company that specializes in short-term auto insurance.

How to buy car insurance without a drivers license?

Whenever you search online for a free auto insurance quote, you can find several companies that will allow you to purchase a policy without a license. You just need to put a “0” in the field for “license year” when filling out the paperwork for the quote. This will provide you with a list of companies that will be able to accommodate your needs. Both large national companies and smaller local companies should be able to insure cars for people who do not have licenses.

Once you speak with the insurance company, you can discuss your specific policy needs and obtain the necessary coverage to meet those needs. Be sure to explain your driving situation so that the agent can match you with a policy that will accommodate your requirements. For example, if someone else in your household will be driving your vehicle, you will need to add that person as a driver on the policy. This will enable him to file a claim on the policy and ensures that any accidents he may cause will be covered by your auto insurance.

Also be sure that you do not drive any vehicle without a license. Not only is driving without a license illegal, it could lead to your insurance company canceling your auto insurance policy. Engaging in illegal activity when an auto accident occurs could lead to the claim being denied, so it’s important to operate your vehicle legally at all times.