Car Insurance Without a Driver's License
As Low As $39/month
Who We Insure Without a License
- Car owners who have never had a driver’s license
- Owners whose license is suspended or revoked
- Owners with an expired license
- Drivers with only a learner’s permit
- Owners who don’t drive, with a family member or caregiver who does
How Much Is Car Insurance Without a License?
Car insurance for a car owner without a license starts as low as $39 a month for liability. Prices vary. The price depends mostly on the drivers listed on the policy, the car and your ZIP code.
Most insurance companies turn down a buyer with no license. We work with dozens of insurance companies, including the ones that write these policies.
How It Works
In most cases the car is insured with a licensed driver listed on the policy, such as a spouse, a child or a caregiver who drives it. If you don’t drive at all, the owner can usually be listed as an excluded driver.
If your license is suspended and the DMV wants an SR-22 to give it back, we file the SR-22 the same day and your certificate is instant. See SR-22 insurance and how to get an SR-22 without a license.
Don’t own a car? A non-owner SR-22 policy is usually the cheapest way to get your license back.
Keep the Car Insured and Registered
California requires every registered car to carry insurance, even when the owner doesn’t drive. Letting the policy lapse can lead to a suspended registration and fees.
Keeping the car insured also gives you a record of continuous coverage, which can lower your rate once you are licensed.
No License Car Insurance Questions and Answers
Can I insure a car without a driver’s license in California?
In most cases, yes. We can get you a quote. The car is usually insured with a licensed driver listed on the policy, or with the owner listed as an excluded driver.
Can I buy car insurance if I have never had a license?
Yes. Owning a car and holding a license are separate. We work with insurance companies that write policies for owners who don’t have a license.
Can I get car insurance with a suspended license?
Yes. If the DMV wants an SR-22 to reinstate your license, we file it the same day and your certificate is instant.
Can I get car insurance with only a learner’s permit?
Yes. A permit driver can be added to a policy. In California a permit driver must practice with a licensed adult in the car.
Can I register a car in California without a license?
Yes. You do not need a license to own or register a car, but the car must be insured.
What is an excluded driver?
A person named on the policy who is not covered to drive the car. Owners who don’t drive are often listed this way.
Who should be listed on my policy?
Everyone in your home who is licensed and drives the car. Leaving out a driver can cause a claim to be denied.
How much is car insurance without a license?
Liability starts as low as $39 a month. Prices vary with the drivers listed, the car and your ZIP code.
Can I get insurance with an expired license?
Yes. We can get you a quote. Renew your license as soon as you can and we’ll update the policy.
I don’t have a car. Do I need insurance to get my license back?
If the DMV asks for an SR-22, a non-owner SR-22 policy is usually the cheapest way. See our non-owner SR-22 page.
How do I get a quote?
Send the form on this page or call (800) 726-0640. The quote is free.
Why MIS Insurance
MIS Insurance Services has helped hard-to-insure drivers since 2009. We work with dozens of insurance companies, so one quote shops them all for you. Our agents speak Spanish. Rated 4.9 out of 5 from 3,100+ Google reviews.
Call (800) 726-0640 or use the quote form at the top of this page.
More for drivers other companies turn away: Foreign License Car Insurance, Insurance After Being Dropped, Tickets and Accidents, Teen Driver Insurance, high-risk auto insurance, SR-22 insurance and non-owner SR-22.