Car insurance companies use your driving record from the Department of Motor Vehicles as a qualifier for risk and without a drivers license most car insurers will not provide coverage as there is no way to measure your risk rating. New drivers even have a risk rating even if the rating is extremely high compared to more mature drivers over the age of 25.
However, there are car insurance companies who will provide at least some kind of short term auto insurance policy if you:
Have a learners permit or;Have an international or foreign driver’s license;Will have a license within 30-60 daysTemporary situations arise all the time when people move, have had a license suspended, one revoked or simply expire. Not having a drivers license will extremely limit your options for obtaining any form of car insurance coverage however if you foresee getting your license within a short window of time there are temporary auto insurance plans available.
What happens if I do not get my drivers license in 30-60 days?
Any kind of temporary car insurance will simply lapse and you will have to start your search again or try to renew the policy which just expired. There is no easy road to car insurance without a valid drivers license.
What car insurance companies provide car insurance without a license?
This is a difficult question to answer since not very many do and the number of providers vary by state. What you should do is speak with either a car insurance broker, your State Department of insurance or start a car insurance comparison search online to find providers who offer temporary coverage.
What is the best way to find a car insurance company?
Having friends recommend a car insurer is always a good way to find a provider but just remember that most drivers never file any kind of claim and one of the most important elements of any good auto insurance company is how they handle claims. If you do not have a drivers license its almost impossible to be very picky about coverage but aim for at least some kind of coverage until you get a license.
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