Getting Car Insurance with No License in Illinois

Can you get car insurance with no license in Illinois? Yes, Illinois Vehicle Insurance Agency, LLC (Illinois Vehicle) can help drivers with different types of ID and temporary licenses find coverage. 

Some major insurance companies require a valid U.S. driver's license to purchase auto insurance. But at Illinois Vehicle, the carriers we work with may accept identification other than a U.S. license. We can help drivers with the following documents: 

• Foreign or international licenses 
• Suspended driver’s license 
• Temporary license 
• Matricula Consular 
• A valid passport 

If you’re a driver without a license looking for auto insurance, call an Illinois Vehicle agent at 630-581-4805 to discuss your options, stop by one of our Chicagoland locations, or get a free personalized car insurance quote. 
 

Call to Get a Quote

Below, we’ll explain the local car insurance requirements and how drivers with different needs may be able to access car insurance coverage in Illinois: 

Illinois car insurance requirements 

According to the Illinois Department of Insurance, the minimum car insurance requirements are: 

• Liability coverage: This helps pay for damages you cause others in a covered accident. The limits are $25,000 for bodily injury or death to another person, $50,000 for injury or death per accident, and $20,000 for third-party property damage. 
• Uninsured motorist coverage (UM): This helps pay for your own medical costs after an accident with an at-fault driver without insurance. The UM required limits are $25,000 per person and $50,000 per accident. Underinsured motorist coverage (UIM) is required if you purchase higher UM limits.  

Car insurance with a state ID in Illinois  

Even if you don’t have a driver’s license currently, you may still qualify for insurance with an Illinois state ID. While a state ID doesn’t allow you to drive, it can be used to help you purchase an insurance policy.  

Illinois Vehicle agents can assist you with locating affordable insurance options, even though you may not have a driver’s license yet. 

Driver’s licenses from other countries 

Have a license from another country, like Mexico? We can help you find auto insurance for foreign drivers that aligns with your needs. If your license is valid in your home country, many of our insurance partners can accept that as a form of appropriate identification.  

So, whether you’re new to Illinois or a long-time resident, our carriers can still help you find a policy that meets your needs.  

Matricula Consular and passport 

Illinois Vehicle also works with individuals who have a Matricula Consular (a Mexican consular ID) or a passport. 

Here’s what you may need to access coverage: 

• A valid Matricula Consular or passport 
• Additional ID or documents, depending on the insurance company 

Even though these documents aren’t United States driver’s licenses, they may be enough to get you a policy with the right insurer. 

Car insurance with a temporary license in Illinois 

If you have a temporary license, such as a learner’s permit, you may still qualify for car insurance in Illinois. Here’s what you may need to show your insurer:  

• Proof of your temporary license 
• Additional identification, like a passport or state identification 

Some carriers may be able to offer coverage to new drivers, even if they’re just starting out. Illinois Vehicle can help you explore those options for drivers with learning permits or other temporary licenses. 

Suspended licenses  

If your license is currently suspended, you may still be eligible to purchase car insurance. You may need to provide this information for your insurer:   

• Valid identification  
• Vehicle information  
• An SR-22 certificate 

SR-22 without a license in Illinois 

Illinois Vehicle works with carriers who offer SR-22 insurance to drivers who don’t have a license and can help you file the SR-22 form if you’re required to do so. 

While typically called “SR-22 insurance,” an SR-22 is a document your insurer files with the Illinois Secretary of State that proves you have the minimum required insurance coverage. You will still need to purchase a policy that carries the mandated minimums. 

Even if you don’t own a vehicle, you may be required to get non-owner SR-22 insurance to help you stay compliant with state law. 

Call an Illinois Vehicle Spanish-bilingual agent to learn more about getting SR-22 insurance without a license at 630-581-4805. 

Call to Get a Quote

Can I insure a car I own if someone else drives it? 

Generally, car insurance covers the vehicle of the person listed on the policy. Your policy may cover a friend who borrows your car on occasion.  

However, if a spouse, teen, or roommate lives with you and uses your vehicle, it’s important to list them in your car insurance policy. Typically, if another driver shares the same address as you and drives your vehicle, they may not be covered. 

Additionally, policies can vary by state and carrier, so review the details of your policy or ask a trusted agent before lending your vehicle to others. 

How to get car insurance without a license in Illinois 

At Illinois Vehicle, we work with a variety of insurance companies that can provide car insurance options to those without U.S. driver’s licenses. Generally, these are the steps to find coverage: 

• A Spanish-bilingual agent explains the options available to you based on your ID and driver profile. 
• You choose a policy with a carrier that accepts temporary or foreign licenses, or another type of valid ID. 
• You get same-day proof of insurance (once the policy is active and initial payments received). 

At Illinois Vehicle, we help non-standard drivers find coverage, including those with the following documents: 

• Foreign or international licenses 
• Suspended driver’s license 
• Temporary license 
• Matricula Consular 
• Passport 

Our team understands the unique challenges of driving in Illinois, and we’re here to assist you on your insurance journey. Whether you need the state’s minimum liability coverage or a full coverage auto insurance policy, our agents can help you tailor a policy that fits your needs. 

To get started, call an Illinois Vehicle agent at 1-630-581-4805. You can also stop by one of our Chicagoland locations or get a free personalized car insurance quote.  

Call to Get a Quote

FAQs: 

Can you get car insurance without a license in Illinois? 

Yes, Illinois Vehicle works with carriers that can accept other forms of ID, such as foreign or temporary licenses, Matricula Consular, or valid passports. 

Do I need an SR-22 without a license? 

Some drivers may need to file for an SR-22 in order to reinstate their license or maintain their driving privileges. At Illinois Vehicle, we can help you file for an SR-22 certificate or a non-owner SR-22. 

Can I use a state ID? 

While you won’t be able to legally drive in Illinois, you can still purchase car insurance with a state ID. Drivers who are in the process of getting a new or reinstated license or own a car and don’t drive it may opt for this option. 

What if my car won’t be driven? 

Some drivers want coverage even though they may not drive their vehicle. Comprehensive coverage can help pay for covered losses that may happen while your car is in storage. These risks can include theft, vandalism, fires, animal damage, etc. 

Get a Quote

Disclaimer:   
This material is for general informational purposes only. Products, services, and discounts referenced herein are not available in all states or in all companies. All statements are subject to the terms, exclusions, and conditions of the applicable policy. In all instances, current policy contract language prevails. Coverage is subject to individual policyholders meeting the insurer's underwriting qualifications and state availability. Other terms, conditions and exclusions may apply.