Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Compare motorcycle insurance without a license

3 ways to get approved for bike insurance with no license and lower your premiums.

Insurance companies may view your unlicensed status as a higher risk, especially if it’s due to license suspension. However, you do have options to get insurance for a motorcycle that you own but can’t drive — like naming the main driver as the primary insured.

How do I get insurance without a license?

Motorcycle licenses are stand-alone certifications, while endorsements are attached to regular licenses but grant the same privileges as a motorcycle license. Getting insurance without a license or endorsement may be tricky, since insurance companies often use your driving record to determine rates. In addition, you may have difficulty finding an insurer who accepts unlicensed policyholders.

You may need to speak to a representative directly to find out if a company offers coverage. Some companies require that you have a state-issued ID card to get insurance.

A few ways to increase your chances of getting coverage:

  • Exclude yourself. Excluding yourself on the policy means you won’t get coverage for riding your bike. But you also won’t be factored in as a risk for unlicensed driving. Update this information if you choose to get or regain your license.
  • Name a primary driver. Naming another primary driver on the policy means your insurance company will use that person’s driving record to determine rates.
  • Wait to get insurance. If you’ll have your license soon and no one needs to drive the bike right away, you could wait to get coverage until you pass your driving test or your license is no longer suspended. You might pay a little extra for insurance if you have a lapse in coverage, but it’ll be easier to get coverage with a license.

Compare motorcycle insurance for drivers with no license

Name Product Roadside assistance Accident forgiveness Available states
Allstate motorcycle insurance
Included free
Yes
All 50 states
One of the longest lists of coverage options for bikes, plus free perks like equipment coverage for your high-end riding gear.
Progressive motorcycle insurance
Optional
Yes
All 50 states
Enjoy some of the widest coverage with the lowest price thanks to add-ons and freebies like replacement cost coverage.
Liberty Mutual motorcycle insurance
Optional
No
All 50 states
Enjoy unique perks along with your wide bike coverage, like free accident forgiveness after going claims-free with any insurer.
loading

Compare up to 4 providers

When would I need motorcycle insurance without a license or endorsement?

You may still need insurance on a bike you own, even if you don’t have a license or endorsement, such as:

  • You have a suspended license
  • You purchased a car before getting licensed
  • You purchased a car in your name for another driver
  • You own a vintage bike that you don’t drive

How much does motorcycle insurance cost without a license?

It depends on the reason you don’t have a license and who’s going to be the main insured on the policy.

If you’re the main driver, insurance companies may view your unlicensed status as an increased risk, which could drive up your premium. High-risk riders often see a 30% to 100% increase on their insurance, depending on their driving record. For example, a driver with a DUI may pay $2,000 a year for car insurance, while a driver with several speeding tickets may pay $1,500.

On the other hand, you may be getting motorcycle insurance so that another driver can enjoy your bike. By using the primary driver’s license and driving record, you could see more typical insurance rates, around the national average of $1,300.

What kind of motorcycle coverage should I get without a license?

The amount of coverage you need depends on how you’ll be using the bike. If your license was suspended but you need to meet state requirements, you can opt for minimum coverage like liability. However, if you need motorcycle insurance for another driver, you might consider extra coverage as well.

  • Bodily injury liability. Covers medical bills for the other driver and passengers if any drivers on your policy are at fault.
  • Property damage liability. Pays for vehicle damage for the other driver and passengers.
  • Collision. Protects you from paying for bike repairs out of pocket.
  • Comprehensive. Covers non-collision accidents, such as theft, vandalism and falling tree branches.

What should I watch out for if I don’t have a license?

Unlicensed motorcycle policyholders should keep in mind several situations that they might experience:

  • Driving without a license or endorsement. You can get insurance as an unlicensed driver, but that doesn’t mean you can legally ride the bike. Driving without a license may result in increased consequences from your state.
  • Driving as an excluded driver. Excluding yourself as a driver means you won’t get coverage with your policy. If you get into an accident while riding your bike, you’ll need to pay for the damages yourself.
  • Getting or regaining your license. Contact your insurance company to update your policy, especially if you’ve excluded yourself.
  • Insuring young drivers. Naming a young driver as the primary driver on your policy may increase the rate. Compare different scenarios to be sure. For example, you might add another primary driver onto the policy and keep the younger person as an additional driver if this matches your motorcycle usage.

Bottom line

Getting motorcycle insurance without a license may prove tricky in high-risk situations, such as a suspended license. However, you can reduce the risk for your insurance company by excluding yourself from the policy and naming another primary rider.

Compare motorcycle insurance providers to find the best option for your situation.

Frequently asked questions

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site