If you’re trying to get car insurance in Illinois without a valid driver’s license—whether it’s suspended, expired, foreign, or you’ve never had one—you’re not alone. Every day, people find themselves needing insurance even though they can’t legally drive. The good news is: it’s possible.
At Insured ASAP, we work with over 16 insurance companies, many of which are willing to insure drivers with no valid license. This guide breaks down everything you need to know about getting insured without a license in Illinois—including the process, options, and pricing.
Can I Get Car Insurance Without a License in Illinois?
Yes, you can get car insurance in Illinois without a driver’s license. While most insurance companies do prefer drivers to have a valid license, there are programs and carriers that understand real-life situations.
You may need insurance without a license for several reasons:
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You’ve never had a license but still own a car
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Your license is currently suspended or revoked
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You’re using a foreign or international license
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You’re insuring a vehicle for someone else to drive
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You’re reinstating a license and need proof of insurance
In these situations, insurers may allow you to purchase a policy as the named insured but require you to list a primary driver—someone with a valid license—who will be driving the vehicle.
What Insurance Company Will Insure an Unlicensed Driver?
While most large national carriers will decline to offer coverage without a license, specialty and non-standard insurance companies will often consider the risk.
At Insured ASAP, we’ve established strong relationships with insurance carriers that provide coverage to:
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Individuals with no license
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Drivers with suspended or revoked licenses
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Individuals using foreign or international licenses
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Policyholders listing another primary driver
Each company has its own guidelines, and that’s where working with an experienced independent agency like Insured ASAP gives you an edge. We know how to position your situation to secure coverage quickly, legally, and affordably.
Can You Get Full Coverage Insurance Without a Driver’s License?
Yes, it is possible to get full coverage insurance—even without a valid driver’s license.
Full coverage usually refers to a combination of:
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Liability Insurance
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Comprehensive Coverage
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Collision Coverage
If your vehicle is financed or leased, the lender will likely require full coverage regardless of your license status. In this case, you can still insure the car by listing a valid, experienced driver as the primary operator on the policy. As the vehicle owner, you will still be the named insured on the policy and maintain control over it.
At Insured ASAP, we frequently work with vehicle owners in this situation and help them secure full coverage even if they aren’t the ones driving.
Can You Get Insurance if Your License Is Suspended?
Yes. In fact, you may be required to carry insurance if your license is suspended.
Drivers with suspended licenses often need to file an SR-22 certificate, which is proof of financial responsibility. An SR-22 is typically required for:
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DUI or DWI offenses
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Driving without insurance
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Too many traffic violations
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Reinstating a suspended license
We specialize in SR-22 insurance and can file it electronically with the Illinois Secretary of State the same day. This helps speed up your reinstatement process and ensures you meet your legal obligations.
Even if an SR-22 is not required, we can still help you get insured while your license is suspended.
How Much Does Car Insurance Without a License Cost in Illinois?
While pricing varies based on your zip code, age, and who is listed as the primary driver, most unlicensed drivers looking for liability-only insurance in Illinois can expect:
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Approximately $90 down
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Monthly payments starting at $50
These rates reflect basic state minimum liability coverage. If you’re seeking full coverage, rates may be higher depending on the vehicle, driver history, and location.
To give you a better idea, here’s a general cost breakdown based on zip code areas in some of Illinois’ largest cities:
Estimated Costs by City (Liability-Only)
| City | Estimated Down Payment | Monthly Payment |
|---|---|---|
| Chicago | $90 – $120 | $50 – $75 |
| Aurora | $85 – $110 | $45 – $65 |
| Rockford | $80 – $100 | $45 – $60 |
| Joliet | $85 – $105 | $45 – $60 |
| Naperville | $75 – $95 | $40 – $55 |
We offer some of the cheapest liability-only insurance rates in the state. Our goal is to help drivers stay legal without overpaying—especially when license status is a concern.
Get the Best Auto Insurance Without a License—Fast
Whether your license is expired, suspended, never issued, or foreign, Insured ASAP is your go-to source for affordable, fast, and legit auto insurance in Illinois. Our team knows how to work around the usual roadblocks and get your policy issued right away.
Don’t waste time with companies that tell you “no” the second you don’t have a license. At Insured ASAP, we say yes when others won’t—even when your situation isn’t perfect.
Get a Quote Now
Need coverage? Want the cheapest rates, fast turnaround, and friendly agents that know how to get it done?
Click the Quote Now button, call us, or text us at (708) 233-4848.
Get the protection you need—license or not.
