The black Mercedes was pulled over on St Oswald's Road, in the Fulford area of York, at 23:10 GMT on Tuesday, with the boy found at the wheel.
North Yorkshire Police said it had received a call earlier in the evening to report a car being driven by someone without a licence or insurance.
A force spokesperson said no chase was required, with no-one injured.
A 13-year-old boy was stopped by police after going for a drive in his parents' car in North Yorkshire.