In most states, it is legal to get motorcycle insurance without a license. 

However, there are a few things to keep in mind if you are considering this option.

First, motorcycle insurance rates are typically higher for unlicensed riders. This is because insurers view unlicensed riders as a higher risk.

Second, some insurers may require you to have a valid motorcycle license in order to qualify for coverage.

Finally, even if you are able to find an insurer that will provide coverage without a license, you may be limited in the types of coverage you can receive. 

For example, you may not be able to get collision or comprehensive coverage without a license.

Ultimately, whether or not you can get motorcycle insurance without a license will depend on the insurer and the type of coverage you are seeking.

It can be a challenge to get motorcycle insurance without a motorcycle license. 

Many insurance providers simply won’t offer policies to applicants who are unlicensed.

Also, because insurers typically use a rider’s driving record to determine premium rates, they might not be able to determine an appropriate rate for an unlicensed rider with no driving history to evaluate.

The best way to go about obtaining motorcycle insurance without a license is to speak directly to a broker or an agent who can guide you in the right direction.

A couple of potential workaround ways to get motorcycle insurance without a license are to exclude yourself from the policy or name a licensed person as the primary driver on the policy.

By excluding yourself from the policy, your unlicensed status won’t be factored in, but that means you won’t be covered while riding your motorcycle.

If you name a licensed rider as the primary driver on your policy, then the insurance provider will just use that person’s driving record to determine rates.

There are several reasons why you may need motorcycle insurance for a bike you own even if you don’t have a motorcycle license. 

These reasons include:

The cost will depend on the reason why you are without a license. 

It also depends on which person is going to be the primary insured driver on the policy.

If the individual without a license is the primary driver, then insurance companies will most likely view that unlicensed status as a high risk, which will result in higher premiums being charged for a policy. 

Depending on their driving record, high-risk riders typically pay much more for their insurance due to the increased likelihood of needing to file a claim. 

A rider with a DUI, for example, may pay double for their insurance versus a rider with just a speeding ticket.

It may be the case that you are just getting motorcycle insurance so that another rider can ride your motorcycle and still be covered. 

If that rider has a license and you put that rider as the primary driver on the policy, then you will probably pay a more average rate for insurance.

The type of coverage you need will depend on your circumstances and how you plan on using your motorcycle. 

If you just plan on storing your bike and not riding it, then you may want to opt for comprehensive in case your bike is stolen or vandalized. 

If your license was suspended and you are just looking to satisfy minimum state insurance requirements, then you could just get minimum liability coverage. 

If you plan on allowing another rider to use your bike, then you will want to opt for extra coverage to protect you financially in the event the other rider gets in an accident.

There are a few things to keep in mind if you are a rider without a motorcycle license.

Even though you are able to get motorcycle insurance as an unlicensed rider, it doesn’t mean you are legally allowed to ride your bike. 

If you ride without a license, it could result in serious legal consequences.

If you are an excluded driver on the policy, then you won’t be covered when you ride your motorcycle. 

Getting into an accident will mean you are financially responsible for any resulting damages or injuries.

If your license was suspended and you regain it at some point, make sure you notify your insurance company so they can update your policy.