Discount on Car Insurance Without a License? (We Find Out) Lower rates Reputable providers Powered by Jan 27, 2021 For any number of reasons, a person may own a car without having a license. While this is perfectly fine, it leads to questions about insurance. Car insurance is often expensive, but it is a necessity for any car owner. That being said, can a person without a driver’s license find discounts on their car insurance? What We'll Cover If you do not have a license, you can still have affordable car insurance. It will be harder to find an insurance carrier that will take you on, but it is possible. Even without a license, there are still options for you if you are seeking lower insurance prices.