In some states it would not be legal for an insurance carrier to insure a non-licensed driver. Since the car owner, your mother, may be considered disabled due to being legally blind there might be helpful rules for her getting insurance without a license. I would suggest contacting her state's insurance regulator to find out her consumer rights in this situation.

If it is not possible for the non-license person to get insurance in her state then it might be possible to have someone else insure the vehicle for her. There are insurance companies that will allow someone else to insure her vehicle, even if they do not have an 'insurable interest' in it (are not the owner).

Generally, it would be best for both the owner to have insurance on the car as well as any driver also having their own insurance policy. This will protect them both in case of an accident. Usually the insurance policy of the owner of the car is primary and the driver's is secondary. But in some states they hold both the owner's and driver's insurers as co-primary. That is why it is important for both parties to be insured.

There are some insurance companies that will exclude the car owner on the policy, even if they are the named insured. In Florida, CarInsurance.com represents a company that will allow you to do this. The insurance company is Direct General. With this insurance provider if the car's owner cannot have a driver's license, due to medical reasons, they must have a Florida state ID. To see if they can provide the insurance coverage your mother needs follow this link to get a car insurance quote.