Can I get car insurance with a foreign driver’s license? (2025 Insurance Rules)
You might be thinking, "Can I get car insurance with a foreign driver’s license?" Yes, buying car insurance with a foreign driver’s license is possible, but some insurers may have specific requirements for coverage. Foreign license car insurance rates start at $75 per month.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Automatio...
Insurance Operations Specialist
UPDATED: Nov 25, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 25, 2024
It’s all about you. We want to help you make the right car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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You might be thinking, Can I get car insurance with a foreign driver’s license? The answer is yes, with monthly rates starting at $75. However, premiums can vary based on several factors like your driving history, the country where your license was issued, and the insurance provider you choose.
Driving permit reciprocity, the type of coverage required, and the duration of your stay in the U.S. all play a role in determining your rates. If you’re wondering whether you need a driver’s license to get car insurance, it’s essential to understand these factors before diving in.
This guide will help you navigate the process of obtaining car insurance with a foreign license so you know what to expect and how to find the best deals.
If you are looking to visit the U.S. and are in need of auto insurance, start comparison shopping by entering your ZIP code above.
- You can get car insurance with a foreign driver’s license in many states
- Monthly rates for international drivers start as low as $75, depending on coverage
- Insurance eligibility varies based on driving history and license origin
Insurance Requirements for Drivers With a Foreign Driver’s License
The requirements for obtaining car insurance with a foreign driver’s license can differ from state to state; however, they generally align closely with the requirements imposed on U.S. citizens. To secure coverage, you must meet the minimum liability insurance levels mandated by your state.
Requirements for Foreign Drivers Seeking U.S. Car Insurance
| Category | Requirements for Foreign Drivers |
|---|---|
| Car Insurance Eligibility | Foreign drivers can get car insurance in many U.S. states. Eligibility depends on driving history, license origin, and insurance provider. Rates start at around $75/month. |
| Minimum Insurance Requirements | Must meet state-mandated minimum liability coverage (bodily injury and property damage). |
| Types of Coverage Available | Liability (mandatory), comprehensive, collision, personal injury protection, fire, theft, accident, and rental car coverage. |
| Driving Permit Reciprocity | Reciprocity agreements allow some foreign licenses to be used for a limited time, depending on the state. |
| Local License Requirement | Some states require foreign drivers to obtain a local license if staying long-term. |
| Proof of Residency | May be required when applying for car insurance, especially for long-term stays. |
| Driving Record | Most U.S. insurers can’t verify foreign driving records, often leading to higher premiums. |
| Credit History | Without a U.S. credit history, foreign drivers may face higher premiums. |
| Temporary Drivers | Can be added as a temporary driver to an existing policy, matching the car’s coverage. |
| Canadian License | Many U.S. insurers accept Canadian licenses, but requirements vary. |
| Insurance for Rented Cars | Foreign drivers renting cars need comprehensive, collision, and state-mandated liability coverage. |
| Insurance Providers | Companies like Geico, Progressive, and Allstate offer coverage to foreign drivers. Independent agents can help compare quotes. |
You can secure car insurance with a foreign driver’s license for as low as $75 per month, depending on your driving history and coverage needs.
Daniel Walker Licensed Insurance Agent
Fewer insurance companies offer coverage for people with a foreign driver’s license. Enough companies make it an option, though. So you can still find different companies from which to get quotes.
If you are looking to visit the U.S. and are in need of auto insurance, start comparison shopping by entering your ZIP code above
Type of Insurance for Drivers With a Foreign Driver’s License
The kind of insurance coverage required by a non-U.S. citizen depends on the value of the car, its type, and who owns it. According to the law, all cars must possess liability coverage. If you want additional coverage to protect your passengers and car, there are additional options for coverage, including:
- Willful damage
- Theft
- Fire
- Accident
- Personal injury protection
- Collision
- Comprehensive coverage
- Rental car coverage
Liability coverage is meant for:
- Motorcycles
- Light passenger vans
- Private passenger vehicles
If the non-U.S. Citizen is purchasing a vehicle, then its value will determine what kind of insurance to take. Along with the coverage options discussed before, liability insurance will provide plenty of protection, if the vehicle is of little value.
If a non-U.S. citizen plans on renting a car, he/she will still need to get his/her own auto insurance policy. You will have to buy comprehensive and collision coverage in addition to other covers that are mandatory in your state.
If the non-U.S. citizen plans on borrowing a car from family or friends, then the value of the car will also be considered. If the owner of the car has liability insurance only, then it will not be necessary to get a policy at an extreme level.
If the car is comprehensively insured, then this should also be matched. A more cost-effective method of making sure that the vehicle is fully insured is to add the foreigner as a temporary driver on the owner’s insurance policy.
If you intend to drive in the U.S. as a non-citizen, it is good to do your own investigations on the steps required before arriving. It will pay to know a local insurance broker. Remember to get an international driver’s license in your country of origin.
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The Cost of Car Insurance for International Drivers
There are auto insurance companies in the U.S. that give auto insurance to international drivers. Unfortunately, auto insurance for international drivers will often be at reasonably higher premiums than for those who have a valid and clean resident license.
If you’ve been in an accident, your rates will go up. Some discounts also aren’t available to international drivers.
The high rates are due to the following facts:
Underwriting Requirements
Some insurance companies are strict with new applicants. According to their rating schemes, an international driver is classified as a driver with no experience.
Credit History
Insurers in most U.S. states put a lot of emphasis on an individual’s credit history [known as an insurance score] when issuing auto insurance rates.
In such states, without a U.S. credit history, foreign drivers will have difficulty accessing the best rates.
Local Driving History Data
The insurance company needs your local driving record as a basis for calculating your premium. Unfortunately, most auto insurers are not able to verify or use driving records from another country.
Thankfully, the tips below will help you save on car insurance even if you are a non-U.S. license holder:
- Shop around and compare quotes from various insurance companies before settling for the most competitive one. Many insurers accept foreign license holders, and some will even shift your no-claims years to enable you to access a discount straight away.
- Secondly, talk to an independent agent who works on behalf of many companies and compare different quotes with the same coverage.
- Establish a local license early enough if you intend to initiate residency.
- Learn the license requirements for the state you plan to visit. Familiarize yourself with the DMV’s prerequisites for foreign drivers. You can also seek to secure a resident license if that option is available.
- Establish excellent credit in the U.S. if you intend to become a citizen or stay for an extended period of time. Good credit will help you obtain the best car insurance rates.
Finding the Best Auto Insurance Rates with a Valid License
As a driver with an international driving license, I would like to learn more about the rules and regulations that govern foreign drivers in the U.S. This information can easily be found on the internet. You can also visit the U.S. embassy in your country of origin.
While securing favorable auto insurance rates can be challenging for foreign drivers, many insurers have stepped up to fill this need. If you’re exploring car insurance for UK drivers in the US, it’s important to read on because understanding your options can help you find the best coverage and rates tailored to your situation.
It is important to shop around and compare different rates before settling for the most competitive one. Start comparison shopping today for auto insurance rates by entering your ZIP code below.
Frequently Asked Questions
Why do foreign drivers need special auto insurance to drive legally in the U.S.?
Foreign drivers require specific auto insurance for an international driver’s license, as standard policies typically exclude coverage for these licenses. Since each state has its own coverage requirements, having a policy tailored for foreign drivers helps ensure compliance with local laws while providing the best car insurance for foreign drivers and adequate road protection.
What steps should I take when adding a foreign driver to my car insurance policy?
To add a foreign driver to your car insurance policy, contact your insurance provider to discuss their specific requirements. Provide the foreign driver’s license information and any required documentation, and make sure to review how this may affect your premium and coverage options.
Which companies offer the best car insurance for international drivers living in the U.S.?
If you’re looking for car insurance for international drivers, you’ll find that companies like Geico, Progressive, and Allstate are among the best options. These insurers typically provide customized plans specifically for foreign drivers, emphasizing both sufficient coverage and competitive pricing.
Read more: Best cheap car insurance companies that accept international licenses
Can I get car insurance with a foreign driver’s license if I’m visiting the U.S.?
Yes, you can get car insurance with a foreign driver’s license while visiting the U.S. Many insurance companies accept international licenses, though coverage terms and rates may vary based on the provider and state regulations.
Is it possible to obtain U.S. car insurance with a Canadian license?
Yes, obtaining U.S. car insurance with a Canadian license is possible. Many insurers accept Canadian licenses, but you should check with individual companies to understand their specific requirements and coverage options.
What are the options for foreign drivers for car insurance in the U.S.?
When it comes to car insurance for foreign drivers, there are several U.S. options available, such as standard liability coverage, comprehensive and collision coverage, as well as specialized policies tailored for international drivers. It’s essential to explore various providers to discover the best fit for your needs, especially when considering the types of car insurance coverage. Understanding these options ensures you select the right coverage that aligns with your driving situation and legal requirements.
Where can I find cheap car insurance for international drivers in the U.S.?
You can discover affordable foreign auto insurance for international drivers by comparing quotes from various insurers online. Platforms such as Insurance.com, Compare.com, and local insurance agents can offer customized quotes that cater to your unique circumstances and requirements, helping you secure car insurance for foreign drivers.
Does Geico accept an international driver’s license for insurance coverage?
Yes, Geico accepts international driver’s licenses for insurance coverage. However, it’s advisable to contact them directly for specific terms and to ensure you meet all necessary requirements.
How does Geico handle car insurance applications for those with a foreign license?
Geico evaluates car insurance applications from foreign license holders on a case-by-case basis. Applicants must submit their foreign license details, and coverage options will vary according to state regulations and Geico’s policies. Understanding this process is essential, especially if you plan to take the Geico defensive driving course for possible discounts or better coverage.
What are the specific requirements for Geico insurance if I have a foreign driver’s license?
If you hold a foreign driver’s license, Geico generally asks for proof of residency, identification, and details about your vehicle. For clarity on the specific requirements related to obtaining foreign car insurance or insurance with a foreign license, it’s advisable to consult a representative. This will help you understand the process for securing auto insurance with an international driving license.
What types of insurance are available for international drivers in the U.S.?
U.S. international drivers can obtain various types of insurance, such as liability, collision, and comprehensive coverage. Additionally, some insurers provide specialized policies designed to meet the unique needs of foreign drivers, allowing them to secure insurance with an international license or even car insurance without a U.S. driver’s license.
What do I need to know about getting car insurance with an international license?
When obtaining car insurance with a foreign license, it’s crucial to investigate which insurance providers accept these licenses and to be aware of the particular coverage choices and rates available. You might also be required to present extra documentation, like proof of residency or your driving history.
How can international drivers secure U.S. auto insurance while residing here?
International drivers can secure U.S. auto insurance by contacting local insurance companies, providing necessary documentation (such as their international license and residency proof), and comparing quotes to find the best coverage options that meet their needs.
See if you’re getting the best deal on car insurance by entering your ZIP code.
What options are available for car insurance for international drivers in the U.S.?
Options for car insurance for international drivers in the U.S. include standard liability coverage, comprehensive and collision policies, and special plans designed for non-residents. Researching various insurers can help you identify the best policy.
Are there specific policies for car insurance targeting non-U.S. drivers?
Yes, some insurance companies offer specific policies targeting non-U.S. drivers, providing coverage options tailored to the unique needs of foreign drivers. It’s important to inquire about these options when seeking insurance.
Which insurance companies accept an international driver’s license for coverage?
Several insurance companies, such as Geico, Progressive, and Allstate, provide coverage for drivers with international licenses. However, it’s important to check each company’s specific policies and requirements concerning foreign licenses. To find the best car insurance by state, you need to read this information carefully to ensure you meet all necessary criteria for coverage.
How can I obtain car insurance quotes for an international license in the U.S.?
To get car insurance quotes for foreign license holders in the U.S., you can utilize online comparison tools, reach out to insurance agents, or directly contact insurers that accept international licenses to receive tailored quotes based on your individual profile.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Automatio...
Insurance Operations Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.