Can you get full coverage car insurance with no license?

Question

Yes, you can get insurance on a learner’s permit in most situations, such as if you own your own car or are an emancipated minor. New drivers are generally considered high-risk due to their lack of experience, however, so getting your own policy while you’re still on a learner’s permit can be pricey.... read full answer

Adding a driver with a learner’s permit to an existing policy, such as a parent’s or guardian’s car insurance, is a much cheaper choice. Plus, permissive use allows new drivers to drive someone else’s insured vehicle without having their own insurance. This may be a good option for those who don’t own a car.

When Drivers With Permits Must Get Their Own Car Insurance

They are an adult new to driving.

The vehicle they drive is in their own name.

The driver’s parents or guardians do not have auto insurance.

They live at a different address than their parent or guardian and are not attending school.

Drivers who have a vehicle in their own name or who live at a different address than their parents are generally considered to be financially independent, so insurers require them to purchase their own policies.

To learn more, check out WalletHub’s guide to car insurance for new drivers.

show less

Answer 1 · 2022-07-21 16:31:42

see this user

Delaney Simchuk, Car Insurance Writer

@delaney_simchuk • 07/21/22 This answer was first published on 07/21/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Permalink Report Abuse

Yes, you can get full coverage car insurance with no driver’s license in some cases, as long as you are not listed as a driver on the policy. You’ll be required to list at least one licensed driver when you purchase your full coverage policy, and the insurer will need to check the primary driver’s record. You will also likely have to list yourself as an “excluded driver” on the policy.

When You Can Get Full Coverage Without a License

Your age or disability prevents you from driving.

If you want to protect your vehicle with a full coverage policy but you can no longer drive, insurance companies will ask for the primary driver’s information. Some insurers do not let you list another person as the primary driver, but some do. You will also have to list yourself as an excluded driver on the policy, meaning you are not allowed to drive the vehicle.

You have a learner’s permit.

You are allowed to purchase a full coverage policy with a learner’s permit in order to be covered once you start driving your vehicle. However, make sure to check your state’s laws to know when you are allowed to drive with a permit.

You own a “classic car.”

Maybe you own a vehicle that is older and has some historical value, otherwise known as a “classic car,” that you want to protect from damage, even if you do not drive it or have a license. You probably won’t need a standard full coverage insurance policy in this circumstance, however. Instead, you should look into purchasing classic car insurance, which covers many of the same things as a standard full coverage policy but tends to be cheaper.

To learn more, check out WalletHub’s guide to full coverage car insurance.

Can you get full coverage car insurance with no license?

Delaney Simchuk, Car Insurance Writer

When You Can Get Full Coverage Without a License

Your age or disability prevents you from driving.

You have a learner’s permit.

You own a “classic car.”

Find Cheap Car Insurance

People also ask

Do I need a US driver license to get car insurance?

Can you get insurance on a learner's permit?

Can a non US resident get car insurance?

Join WalletHub