Can You Get Car Insurance Without a Driver’s License in Texas?

Most insurance companies use a driver’s license number to review driving history and set rates. If you’re a Texas resident who needs auto insurance but doesn’t have a valid driver’s license, you might be wondering what options are available.

Who Might Need Car Insurance Without a License?

There are several situations where someone without a valid license may still need auto insurance, such as:

• New drivers waiting to get their license
• Individuals with a suspended or revoked license
• Parents insuring a car for a teen driver
• Caregivers or family members insuring a vehicle for someone else
• Owners of classic or collectible cars that aren’t driven regularly

Options for Getting Car Insurance Without a License

While many insurers hesitate to provide coverage without a license, some companies offer policies for unlicensed drivers or allow you to list a primary driver who does have a valid license. This is often called “nondriver insurance” or “no license insurance.” You may need to:

• List a primary driver—Name someone with a valid license as the main driver of the vehicle.
• Exclude yourself as a driver—If you won’t be driving, you can be listed as an excluded driver on the policy.
• Provide a reason—Be prepared to explain why you need insurance without a license.

What To Keep in Mind

Getting car insurance without a license can be more complex and may limit your options. Rates and eligibility can vary, so it’s helpful to work with an agent who understands Texas car insurance requirements and can guide you toward a suitable solution.

Contact Us

Our team at Payless Auto Insurance can assess your situation and connect you with insurers who may offer the coverage you need. If you have questions about no license insurance or want to explore your auto coverage options in Texas, contact us today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.