How to Get Auto Insurance as a Foreign Driver in the US?

auto insurance as a foreign driver

If you are a foreign driver in the United States, it is important to have auto insurance. It is required by law in most states. However, finding auto insurance as a foreign driver can be challenging. In this article, we’ll talk about how foreign drivers can receive auto insurance in the US and answer some questions that come up often.

Understand the Requirements

Before you begin your search for auto insurance, it’s important to understand the requirements. Each state has its unique set of laws and regulations pertaining to auto insurance, so be sure to research your state’s legislation. In general, most states require drivers to have liability insurance, which covers damages to other people and their property if they cause an accident. Some states may also require uninsured or underinsured motorist coverage.

Gather the Necessary Documents

When you apply for auto insurance as a foreign driver, you will need to provide certain documents. These may include your driver’s license from your home country, your passport, and your visa or immigration paperwork. Additionally, you may be required to submit proof of domicile, such as a lease or utility bill.

Find an Insurance Provider

Once you understand the requirements and have gathered the necessary documents, you can begin your search for an insurance provider. Be sure to shop about and compare costs, as many insurance firms offer coverage to non-U.S. citizens. You can also ask friends, family, or coworkers who have previously acquired auto insurance for advice.

Consider a Broker

If you are having trouble finding an insurance provider on your own, consider working with a broker. Brokers are licensed professionals who can help you find the best coverage and rates for your specific needs. They can also help you navigate the complex insurance system and answer any questions you may have.

Provide Accurate Information

When you apply for auto insurance as a foreign driver, it’s important to provide accurate information. This includes information about your driving history, car type, and how often you will be using it. Failing to provide accurate information can result in your insurance policy being canceled or denied in the event of an accident.


What is the difference between liability insurance and full coverage?

Liability insurance covers damages to other people and their property if you cause an accident. On the other hand, full coverage offers coverage for your car if it is destroyed or stolen, in addition to liability insurance.

Do I need to have a US driver’s license to get car insurance?

No, you do not need to have a US driver’s license to get auto insurance as a foreign driver. However, a valid driver’s license from your native country is required.

Can I use my international driver’s license in the US?

Yes, you can use your international driver’s license in the US. However, you may also need to provide a driver’s license from your home country.

Will my insurance rates be higher as a foreign driver?

Insurance rates for foreign drivers may be higher than for US citizens, as insurance companies consider foreign drivers to be higher risk. However, rates will vary depending on your driving record, car type, and other factors.

What should be done if I have an accident?

If you have an accident, exchanging insurance information with the other driver(s) involved is important. You should also take pictures of any damage and contact your insurance provider as soon as possible to report the accident. 

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