{"@context":"https://schema.org","@type":"WebPage","alternate_language":[{"language":"es","url":"https://migrantusa.com/es/dmv/seguro-de-carro-sin-licencia/"}],"as_of":"2026-08-11","attribution":"MigrantUSA Editorial. Can you insure a car if you do not have a driver's license?. https://migrantusa.com/dmv/car-insurance-without-a-license/","dateModified":"2026-08-11","description":"Car insurance without a driver's license: financial responsibility attaches to the vehicle's owner, not only the driver, and what insurers ask for.","disclaimer":"General information, not legal advice. MigrantUSA is an independent publisher and is not a law firm. Always verify current details directly with the relevant agency before acting.","faqs":[{"answer":"There is no federal auto insurance law. Insurance is regulated state by state: the NAIC says that ‘most states require that you purchase some kind of insurance coverage to drive legally in the state’ and that ‘State law sets the minimum amounts of liability coverage required.’ None of the consumer guides we checked — the NAIC, the California Department of Insurance or the Texas Department of Insurance — says whether a license is needed to buy a policy. The sources do not address that question.","question":"Does federal law require a driver’s license to buy car insurance?"},{"answer":"The financial-responsibility duty attaches to the owner, not only to the driver. California Vehicle Code §16020(a) says: ‘All drivers and all owners of a motor vehicle shall at all times be able to establish financial responsibility.’ Rules vary by state — in New Hampshire, for example, proof is required after certain convictions or accidents rather than as a universal precondition.","question":"If I cannot drive, do I still have to insure a car titled in my name?"},{"answer":"It is a clause that removes coverage from a person named in the policy. Texas defines it this way: ‘Named driver exclusion means a provision or endorsement of an automobile insurance policy that excludes specified drivers from coverage under the policy.’ Not every state permits it: New York prohibits it (Department of Financial Services OGC Opinion 02-04-20) and Wisconsin says ’the law does not allow insurers to exclude drivers by endorsement.’","question":"What is an excluded driver?"},{"answer":"Yes, as a legal category. Texas defines an operator’s policy as one that ‘provides coverage for the named insured when operating an automobile the insured does not own.’ Whether any given insurer sells one in your state is a separate question; ask a licensed agent in your state.","question":"Is there a policy for someone who drives a car they do not own?"},{"answer":"Yes. The California Department of Insurance states it verbatim among the requirements for the California Low Cost Automobile Insurance program: ‘You must have a valid California driver’s license. AB 60 license is accepted.’ (Checked August 11, 2026.)","question":"Does California’s low-cost insurance program accept an AB 60 license?"},{"answer":"The sources we checked do not answer that. What the NAIC does say is that ‘almost all liability policies cover a licensed driver who drives your car with your permission’ — the license condition is written about the person driving, not about the person who pays for the policy. The NAIC does not describe what happens when the driver is unlicensed.","question":"If the driver has no license, does the policy still cover the accident?"}],"generated":"2026-08-11","isBasedOn":"https://content.naic.org/consumer/auto-insurance.htm","language":"en","license":"https://migrantusa.com/terms/","name":"Can you insure a car if you do not have a driver's license?","publisher":{"@type":"Organization","name":"MigrantUSA","url":"https://migrantusa.com/"},"source_urls":["https://content.naic.org/consumer/auto-insurance.htm","https://content.naic.org/sites/default/files/publication-aut-pp-consumer-auto.pdf","https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=VEH&sectionNum=16020","https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/auto101.cfm","https://statutes.capitol.texas.gov/Docs/IN/htm/IN.1952.htm","https://www.dfs.ny.gov/insurance/ogco2002/rg204151.htm","https://oci.wi.gov/Documents/Consumers/pi-057.pdf","https://www.tdi.texas.gov/consumer/auto-insurance-faq.html","https://www.dmv.nh.gov/tickets-accidents-or-restorations/insurance-requirements-sr-22","https://www.gencourt.state.nh.us/rsa/html/XXI/264/264-mrg.htm","https://www.sos.state.tx.us/texreg/archive/February272026/Adopted%20Rules/43.TRANSPORTATION.html"],"type":"topic-guide","url":"https://migrantusa.com/dmv/car-insurance-without-a-license/"}