Best Car Insurance for Unlicensed Drivers in 2024 (Top 10 Providers)
Progressive, State Farm, and Allstate shine as the top choices for the best car Insurance companies that insure unlicensed drivers. Offering rates as low as $68 per month, they provide tailored options, ensuring comprehensive coverage and peace of mind for unlicensed drivers.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
UPDATED: May 13, 2024
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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: May 13, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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13,128 reviewsCompany Facts
Full Coverage for Unlicensed Drivers
A.M. Best Rating
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13,128 reviews
17,759 reviewsCompany Facts
Full Coverage for Unlicensed Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 reviews
11,413 reviewsCompany Facts
Full Coverage for Unlicensed Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
11,413 reviews
Among them, Progressive shines with its innovative approach and commitment to providing reliable insurance solutions for all drivers, regardless of their licensing status.
Our Top 10 Picks: Best Car Insurance Companies That Insure Unlicensed Drivers
| Company | Rank | Multi-Policy Discount | Low-Mileage Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 10% | 30% | Online Convenience | Progressive |
 | #2 | 17% | 30% | Many Discounts | State Farm |
 | #3 | 10% | 30% | Add-on Coverages | Allstate |
 | #4 | 15% | 20% | Local Agents | Farmers |
 | #5 | 20% | 30% | Usage Discount | Nationwide |
 | #6 | 25% | 30% | Customizable Polices | Liberty Mutual |
 | #7 | 13% | 10% | Accident Forgiveness | Travelers |
 | #8 | 20% | 15% | Student Savings | American Family |
 | #9 | 20% | 10% | Local Agents | AAA |
 | #10 | 15% | 10% | Usage Discount | The General |
Unlicensed drivers face unique challenges when it comes to obtaining car insurance. Fortunately, several reputable insurance companies specialize in providing coverage tailored to their needs.
Discover how to obtain auto insurance without a license and secure coverage for unlicensed drivers. Explore affordable car insurance companies specializing in insuring drivers without licenses and learn about available car insurance discounts to lower annual rates.
Ready to buy car insurance from car insurance companies that insure unlicensed drivers? Enter your ZIP code in the online quote tool above to compare free car insurance quotes from the best companies in your area.
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#1 – Progressive: Top Overall Pick
Pros
- Snapshot Program: Progressive’s usage-based insurance program, Snapshot, rewards safe driving habits with personalized discounts.
- Wide Range of Coverages: Offers diverse coverage options, including specialized policies for high-risk drivers and those with non-standard needs.
- Online Tools: Our Progressive car insurance review highlights how user-friendly platforms enhance the overall insurance experience, ensuring convenience and ease of use for our customers.
Cons
- Potentially Higher Rates: Some users report comparatively higher premiums, especially for drivers with less-than-perfect records.
- Limited Local Agents: Progressive relies heavily on online services, which may be a drawback for those who prefer in-person interactions.
#2 – State Farm: Best for Partner in Coverage
Pros
- Personalized Service: With a vast network of local agents, State Farm offers personalized service for a range of insurance needs.
- Steer Clear Program: State Farm’s Steer Clear program provides discounts to young drivers who complete a safe driving course.
- Financial Stability: State Farm car insurance review is renowned for its financial stability, providing assurance and reliability in coverage.
Cons
- Potentially Higher Rates: Rates might be higher than competitors, and discounts may not offset the premium costs for some drivers.
- Limited Online Interaction: While there’s an online presence, State Farm’s emphasis on in-person service may not suit everyone.
#3 – Allstate: Best for Safeguarding the Journey
Pros
- Drivewise Program: Allstate’s Drivewise program rewards safe driving with personalized discounts, potentially leading to significant savings.
- Claim Satisfaction: Often praised for excellent claim handling and customer satisfaction, Allstate car insurance review is highly regarded as a top choice for many drivers.
- Coverage Options: Offers a wide array of coverage options, including unique add-ons like sound system coverage.
Cons
- Higher Premiums: Some users report higher-than-average premiums, particularly for those with less-than-ideal driving records.
- Limited Discounts: While discounts are available, they might not be as extensive as with some competitors.
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#4 – Farmers: Best for Growing Protection
Pros
- Bundling Discounts: Farmers provide substantial discounts for bundling multiple insurance policies, such as auto and home.
- Customizable Policies: Offers flexibility in customizing policies, allowing customers to tailor coverage to their specific needs.
- Signal App: The Signal app helps safe drivers earn discounts based on their driving behavior. Explore more about Farmers car insurance review for insights into coverage options and discounts.
Cons
- Potentially Higher Rates: Some users find Farmers’ rates to be on the higher side, especially for certain demographics.
- Limited Online Quotes: The online quote process may not be as streamlined as with some competitors, potentially leading to a less convenient experience.
#5 – Nationwide: Onboard Protection
Pros
- Vanishing Deductible: Nationwide’s Vanishing Deductible program allows safe drivers to reduce their deductible over time.
- Member Resources: Offers a variety of resources and tools for members, including an informative blog and safety guides.
- Discounts for Safe Habits: Nationwide car insurance discounts encourages safe driving habits through discounts, making it appealing for cautious drivers.
Cons
- Limited Local Agents: Nationwide’s agent network may not be as extensive as other companies, potentially affecting localized service.
- Mixed Customer Service Reviews: While some praise the customer service, others have reported less-than-optimal experiences.
#6 – Liberty Mutual: Best for Freedom Assurance
Pros
- New Car Replacement: Liberty Mutual offers new car replacement coverage, ensuring that a new vehicle is provided in case of a total loss.
- 24-hour Claims Assistance: Our Liberty Mutual car insurance review highlights our commitment to providing around-the-clock claims assistance, enhancing customer support.
- Educational Resources: Offers educational resources, including safety tips and coverage explanations, to help customers make informed decisions.
Cons
- Potentially Higher Rates: Some customers may find Liberty Mutual’s premiums to be higher compared to other providers.
- Complex Discounts: The multitude of discounts can be confusing, and not all may apply to every policyholder.
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#7 – Travelers: Best for Navigating Insurance
Pros
- Intellidrive Program: Travelers’ usage-based program, IntelliDrive, offers personalized discounts based on driving habits.
- Green Home Coverage: Provides eco-friendly home coverage options, appealing to environmentally conscious customers.
- Wide Range of Policies: At Travelers car insurance review, we showcase the company’s comprehensive range of insurance products, enabling customers to bundle policies for potential discounts.
Cons
- Limited Local Agents: Travelers’ local agent presence may not be as extensive as some competitors.
- Potentially Higher Rates: Some users report that Travelers’ premiums may be higher compared to other insurance providers.
#8 – American Family: Best for Prioritizing Safety
Pros
- Know Your Drive Program: American Family’s telematics program, KnowYourDrive, rewards safe driving habits with personalized discounts.
- High Customer Satisfaction: In our American Family car insurance review, we find that the company excels in customer service and claims handling, consistently earning positive feedback from satisfied policyholders.
- Wide Range of Coverages: Offers a comprehensive range of coverage options, allowing customers to tailor policies to their needs.
Cons
- Limited Availability: American Family is not available in all states, limiting access for potential customers.
- Potentially Higher Premiums: Some users find the premiums to be on the higher side, especially for certain demographics.
#9 – AAA: Best for Membership Benefits
Pros
- Member Benefits: AAA members enjoy additional benefits beyond insurance, including roadside assistance and travel discounts.
- Discounts for Members: Offers exclusive discounts for AAA members, potentially leading to cost savings.
- Trusted Reputation: As per our AAA car insurance review, the brand is renowned for delivering exceptional service and reliability.
Cons
- Membership Required: To access insurance, individuals must be AAA members, which may not suit those outside the AAA network.
- Potentially Higher Rates: Some users report higher premiums compared to other providers.
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#10 – The General: Best for Specialized Coverage
Pros
- Acceptance of High-Risk Drivers: Specializes in providing coverage for high-risk drivers, offering options for those with challenging driving records.
- Quick Quotes: Our The General car insurance review emphasizes the company’s reputation for providing swift and uncomplicated insurance quotes.
- SR-22 Filings: Offers SR-22 filings for drivers who need to fulfill specific state requirements for high-risk coverage.
Cons
- Limited Coverage Options: The General may have fewer coverage options compared to other, more comprehensive providers.
- Potentially Higher Rates: High-risk coverage might come with higher premiums compared to standard insurance providers.
Exploring Car Insurance Options for Unlicensed Drivers
The best auto insurance companies for unlicensed drivers are smaller, local companies, and you may be required to work with an agent. You’ll also need to find a dealership that will allow you to drive off the lot as an unlicensed driver.
Car Insurance Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| AAA | $85 | $225 |
| Allstate | $85 | $190 |
| American Family | $80 | $220 |
| Farmers | $110 | $200 |
| Liberty Mutual | $100 | $230 |
| Nationwide | $75 | $210 |
| Progressive | $95 | $180 |
| State Farm | $70 | $150 |
| The General | $68 | $195 |
| Travelers | $90 | $250 |
When opting for full coverage insurance, it’s essential to weigh the costs against the comprehensive protection it provides. Progressive stands out with a competitive rate of $180 per month, ensuring robust coverage. Liberty Mutual and Travelers also offer comprehensive plans at $230 and $250 per month, respectively. These higher premiums reflect the extended protection and peace of mind that come with full coverage policies.
Progressive stands out as the top choice for innovative coverage tailored to the unique needs of unlicensed drivers.
Dani Best Licensed Insurance Producer
For those seeking more budget-friendly options, minimum coverage plans are worth considering. State Farm offers an economical choice at $70 per month, providing essential coverage. The General and Nationwide are also cost-effective options at $68 and $75 per month, respectively. While these plans may have lower premiums, it’s crucial to evaluate whether the minimal coverage meets your specific insurance needs.
Some car insurance companies and car dealers are flexible in various situations. Only a few companies may allow you to get insurance without a license, but parents and legal guardians who have unlicensed teen drivers may find it easier to add their teens to their current policy. Teens are often added as drivers to a parent’s auto insurance policy. Therefore, insuring unlicensed teens is more likely at more significant companies.
Exploring the High-Risk Road: Unlicensed Drivers and Car Insurance Costs
The short answer is yes. Unlicensed drivers and drivers with suspended licenses are high-risk drivers.
When a car insurance company agrees to give you a policy as an unlicensed driver, your car insurance rates could be at least 20% more expensive.
But what does that look like? Let’s look at a list that compares the average cost of auto insurance to high-risk auto insurance.
- Good Driver: $121/month
- High-Risk Driver: $230/month
Various car insurance companies produce different rates, and you could pay more at some insurance companies. To find cheaper car insurance rates, you may have better luck at companies like The General, Good2Go Auto Insurance, or Dairyland for high-risk and unlicensed drivers.
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Unlicensed Drivers and Auto Insurance Discounts: Exploring Eligibility
It depends on the company. Unlicensed drivers have to pursue a valid driver’s license to keep their auto insurance policy. As you make progress, you may be eligible to receive discounts. Here are a few deals you should target.
- Good Student Discount
- Safety Features Discount
- Multi-Policy Discount
- Defensive Driver Course Discount
It’s challenging to convince a company to give you an insurance policy if you don’t have a license. You may not qualify for many car insurance discounts as long as you remain an unlicensed driver.
Navigating Insurance Without a License: What You Need to Know
It depends on the company. Some auto insurance companies allow teen drivers with a learner’s permit to be added to a policy. However, adult drivers without a license may not have that privilege. If you have a suspended license, you may be ineligible to purchase a new insurance policy.
But if you have a court order to get auto insurance, you’ll need to report to your local DMV and ask them to assign you to a company. This usually comes with SR-22 certification. SR-22 confirms that you have the minimum auto insurance requirements as a high-risk driver.
Understanding Auto Insurance Limitations for Unlicensed Drivers
The most prominent auto insurance companies may not insure unlicensed drivers. Car insurance companies use the Motor Vehicle Report (MVR) to calculate your car insurance quotes. The MVR looks at your overall driving history, prevents fraud, and protects drivers from unsafe vehicles.
A driver’s license is linked to your Motor Vehicle Record (MVR), and individuals with expired licenses may not be listed in the report. Consequently, insurance providers with the highest market share typically refrain from insuring drivers with expired licenses.
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Case Studies: Unparalleled Coverage for Unlicensed Drivers
Finding the perfect match can be a challenge. However, these case studies exemplify how individuals with unique needs and preferences discovered insurance providers that aligned perfectly with their requirements. Let’s delve into their experiences and uncover the tailored solutions that brought them peace of mind on the road.
- Case Study #1 – Innovative Solutions for Tech Enthusiasts: Alex, a tech enthusiast, found his perfect match with Progressive. With a forward-thinking approach, Progressive offered tailored coverage options at $180 per month, aligning seamlessly with Alex’s tech-savvy lifestyle and providing comprehensive protection.
- Case Study #2 – Budget-Friendly Coverage for Financially Conscious Drivers: Sarah discovered State Farm as the ideal solution. State Farm offered both minimum and full coverage options at affordable rates of $70 and $150 per month, respectively. With a focus on being a trusted partner in coverage, State Farm provided Sarah with the security she needed without straining her budget.
- Case Study #3 – Safety-First Policies for Drivers with Clean Records: Emily found her top choice in Allstate. Despite a slightly higher rate of $190 for full coverage, Allstate’s commitment to safeguarding every journey mile by mile resonated with Emily, aligning perfectly with her desire for a secure driving experience.
Each case study highlights the importance of finding a car insurance provider that understands and meets individual needs. Whether it’s innovation for tech enthusiasts, budget-friendly options for financially conscious drivers, or car safety for those prioritizing security, there’s a tailored solution out there for everyone.
Progressive is the premier option for cutting-edge coverage designed for unlicensed drivers, boasting an impressive customer satisfaction rating of 92%.
Justin Wright Licensed Insurance Agent
The search for the right car insurance provider doesn’t have to be daunting. By understanding your priorities and preferences, you can find a company like Progressive, State Farm, or Allstate that offers the coverage options and peace of mind you need to navigate the road with confidence.
What You Need to Know About Car Insurance Companies That Insure Unlicensed Drivers
It’s not likely that you’ll get auto insurance coverage with a large, reputable company when you’re an unlicensed driver. Even small companies require you to register your car and pursue a valid driver’s license.
We recommend that you make an effort to become a licensed driver before you shop for car insurance. Now that you know more about car insurance companies that insure unlicensed drivers, use our free online quote tool to compare multiple insurance companies in your area.
Instantly compare car insurance quotes from the top providers by entering your ZIP code into our free comparison tool below.
Frequently Asked Questions
What are the best insurance options for unlicensed drivers?
The best insurance for unlicensed drivers often includes companies like Progressive, State Farm, and Allstate, which specialize in providing coverage tailored to the needs of unlicensed drivers.
To broaden your understanding, explore our comprehensive resource on insurance coverage titled “How do you get car insurance with no license?” which provides valuable insights.
Which insurance companies don’t require a license for coverage?
While most insurance companies require a valid driver’s license, some may offer coverage options for unlicensed drivers. Companies like The General and Good2Go Auto Insurance are known for providing insurance without requiring a license.
When you’re ready to see how much you can save on your car insurance, enter your ZIP code below into our free comparison tool.
How can I buy auto insurance without a license?
You can typically purchase auto insurance without a license by contacting insurance companies directly or through licensed agents. Be prepared to provide information about the vehicle and any additional drivers who will be covered under the policy.
For deeper insights, delve into our extensive guide on business insurance titled “How do I change car insurance agents?” to broaden your understanding and make informed decisions.
Can a person without a license get car insurance?
Yes, it’s possible for a person without a license to obtain car insurance, but the availability and terms of coverage may vary depending on the insurance company and state regulations.
How can I get auto insurance quotes without a license?
You can still obtain auto insurance quotes without a license by providing relevant information about the vehicle you want to insure and any additional drivers who may be covered under the policy.
For a thorough examination, consult our extensive resource named “How often should you check car insurance quotes?” which offers valuable insights into your individual requirements.
Is it possible to get cheap auto insurance without a license?
While insurance rates for unlicensed drivers may be higher due to increased risk, some companies offer competitive rates for basic coverage options. Companies like Good2Go Auto Insurance specialize in providing affordable options for unlicensed drivers.
For a thorough understanding, delve into our comprehensive guide entitled “Is basic car insurance coverage a smart choice?” with information to enhance your understanding.
Can I purchase full coverage car insurance without a license?
Yes, some insurance companies offer full coverage options for unlicensed drivers, although premiums may be higher compared to basic coverage plans. Companies like Progressive and Liberty Mutual provide comprehensive coverage options for unlicensed drivers.
For in-depth details, you can consult our thorough document, “Best Full Coverage Car Insurance,” which provides extensive insights.
Are unlicensed drivers covered by insurance policies?
Coverage for unlicensed drivers varies by insurance company and policy. Some companies may offer limited coverage for unlicensed drivers, while others may require additional documentation or restrictions.
Ready to find affordable car insurance? Use our free comparison tool below to get started.
Which are the top 10 non-standard auto insurance companies?
The top 10 non-standard auto insurance companies may include names like The General, Good2Go Auto Insurance, and Dairyland, which specialize in providing coverage for high-risk drivers, including unlicensed drivers.
Delve into our comprehensive guide, “Best Car Insurance for High-Risk Drivers,” for thorough insights into finding the best coverage tailored to your needs
Will insurance cover an unlicensed driver in case of an accident?
In most cases, insurance policies will provide coverage for accidents involving unlicensed drivers, but the extent of coverage may vary depending on the terms of the policy and state regulations. It’s essential to review your policy carefully to understand your coverage options.
For in-depth understanding, refer to our comprehensive guide “Understanding Your Car Insurance Policy (Complete Guide)” for valuable insights and clarity on your coverage.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
