Finding cheap auto insurance for unlicensed drivers can feel overwhelming. Most insurance companies base their rates heavily on driving history — and without a driver’s license, you’re often labeled high-risk or denied coverage altogether.
That’s where we’re different.
As a non-standard insurance provider, we specialize in helping drivers who don’t fit traditional guidelines. If you don’t currently have a license but still need reliable, affordable protection, we’re here to help.
Can Unlicensed Drivers Get Auto Insurance?
Yes — and we work with unlicensed drivers every day.
While many insurers require a licensed primary driver or restrict coverage options, we offer flexible policies designed specifically for drivers without a DL. Whether you’re waiting to get licensed, have a temporary situation, or need coverage for vehicle protection purposes, we provide real solutions — not automatic declines.
From liability to full coverage, we help protect your vehicle against accidents, theft, and damage — without unnecessary roadblocks.
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What It Means to Be a Non-Standard Insurance Company
You may be wondering what “non-standard” really means.
A non-standard insurance company specializes in covering drivers who fall outside traditional underwriting guidelines. This includes:
- Drivers without a license
- Drivers with unique driving histories
- Drivers who may not qualify for preferred or standard policies
Unlike traditional carriers, we don’t rely solely on a checklist. We evaluate real-life circumstances and build policies that make sense for your situation.
That flexibility allows us to offer competitive rates and practical coverage options — even when other companies say no.
Our mission is simple: provide affordable, straightforward insurance solutions for drivers who need options.
Options for Unlicensed Drivers
1. Non-Owner Policies
If you don’t own a vehicle but occasionally need to drive, a non-owner policy provides liability coverage while you’re behind the wheel. This is often one of the most affordable ways to maintain protection without insuring a specific car.
2. Being Added to an Existing Policy
You may be able to be listed as a driver on a family member’s or household member’s current policy. This can reduce costs, especially if their policy includes multi-car, bundling, or continuous coverage discounts.
3. Planning Ahead for Your License
If you’re planning to get your driver’s license soon, let us know. We can structure your policy now and adjust it once you become licensed — often lowering your rate and expanding coverage options. Starting with liability and upgrading to full coverage later is a smart, cost-effective strategy.
Typical Costs for Unlicensed Drivers
Insurance for unlicensed drivers is generally higher than standard coverage, but working with a non-standard provider can help keep rates competitive.
Here’s a general idea of what you might expect:
| Coverage Type |
Approximate Monthly Cost |
| Liability as a Licensed Driver |
$40–$90 |
| Liability as a Non-Licensed Driver (Non-Standard Company) |
$60–$110 |
For many drivers, beginning with liability coverage is the most affordable option. Once licensed, upgrading to full coverage provides broader protection and can improve long-term rating eligibility.
Let Us Help You Get Back On Track
Getting cheap auto insurance for unlicensed drivers isn’t impossible — you just need the right company.
We specialize in helping drivers who don’t meet traditional insurance guidelines. Whether you need liability coverage today or plan to transition into full coverage after becoming licensed, we build policies around your situation — not against it.
No unnecessary denials. No complicated process. Just practical, affordable coverage designed to protect your vehicle and move you forward with confidence.
If you don’t have a license but still need insurance, we’re ready to help.