Getting a policy without first having a state-issued license to drive may be difficult, but there are certain situations where you may still be able to find coverage. Earning a license to drive shows that you’ve learned the basic rules of the road and have demonstrated that you understand them, which is important to insurers. In most cases, you will have to have a state-issued driver’s license to get insurance, but some insurers will make exceptions if the applicant has a valid international or foreign license.
Other situations where an unlicensed driver may need coverage are when the license has been suspended or restricted. In these cases, an insurer still may be able to issue you a policy pending licensing or through an SR-22. If you will not be driving your vehicle while waiting for reinstatement and want to insure it only against theft or damage, you may be able to get a policy with only comprehensive and collision coverage. In this scenario, though, you may need to surrender your vehicle registration and license plates before being able to get a policy, depending on the laws of your state and the insurer’s standard practices.
When it comes to getting car insurance without a license to drive, the best thing to do is to go over the details of your situation with your insurer to get a full and accurate understanding of your options.
Enrollment in the residual market is relatively low. The residual market, which helps high-risk drivers get coverage after they couldn’t find a policy on their own, accounts for less than 1% of total annual premiums written by insurers.