Non-Citizen Auto Insurance: Is It Possible?

Can Non-Citizens Get Auto Insurance?

If you're a non-US citizen, you may be wondering if you can get auto insurance. The answer is yes, but there are some things you need to know. Firstly, car insurance is required in most states, so if you plan on driving, it's essential to have coverage. The requirements and limits vary by state, so it's important to check the specific rules of the state you're in. Most states require liability insurance, which provides financial protection if you're at fault in an accident or cause property damage.

To get auto insurance as a non-citizen, you'll need a valid driver's license. If your license is from your home country, you may also need an International Driving Permit (IDP). Some states require both, while others may only need your foreign license. It's important to check the requirements of the state you're in. If you plan on staying in the US long-term, you'll need to get a US driver's license in your state.

When it comes to insurance companies, most will sell you a policy as long as you meet the licensing requirements. However, some companies have strict rules prohibiting insurance for drivers with foreign licenses. It's a good idea to shop around and compare quotes to find the best deal. You can also look for companies that give credit for prior driving experience, even if it's in another country.

In summary, as a non-US citizen, you can get auto insurance, but it's important to understand the requirements of the state you're in and ensure you have the necessary documentation, such as a valid driver's license and/or an IDP.

Getting a US driver's license as a non-citizen

The process of obtaining a US driver's license as a non-citizen can vary depending on the state and your individual circumstances. Here is a step-by-step guide to help you navigate the process:

Step 1: Determine Your Eligibility

Before initiating the process, it is essential to verify your eligibility to obtain a driver's license as a non-citizen. The requirements may differ based on your immigration status, visa type, and the length of your stay in the US. Check with the Department of Motor Vehicles (DMV) or the relevant motor vehicle department in the state where you reside or intend to drive.

Step 2: Gather Required Documents

The documentation needed to apply for a US driver's license as a non-citizen can vary by state. However, commonly requested documents include:

• Official immigration papers, such as a valid visa, resident card, or other documents specified by the Department of Homeland Security.
• Your original birth certificate or equivalent acceptable documents.
• Social Security Number (SSN) card or official government correspondence displaying the full nine-digit number.
• Proof of residency in the state where you are applying. This may include utility bills, lease agreements, or bank statements with your name and address.
• A completed and signed application form.

Step 3: Prepare for the Knowledge and Skills Tests

To obtain a US driver's license, you will typically need to pass a written knowledge test and a road skills test. If you already have a valid driver's license from your home country, you may be exempt from the road test in some states. However, you will likely still need to pass the written test, which covers traffic laws, road signs, and driving safety rules. You can find practice tests and study materials on the DMV website or through online resources.

Step 4: Visit Your Local DMV Office

Once you have gathered the required documents and prepared for the tests, schedule an appointment at your local DMV office, if possible. Some states may require in-person appearances for non-citizens. Bring your completed application, supporting documents, and any applicable fees.

Step 5: Provide Documentation and Complete Tests

At the DMV, submit your application and supporting documents. A DMV representative will review your paperwork and guide you through the process. You will then be required to take the written knowledge test. If you pass, you may proceed to the road skills test, where a DMV examiner will assess your driving ability.

Step 6: Receive Your Driver's License

If you successfully pass the knowledge and skills tests and meet all other requirements, congratulations! You will be issued a US driver's license. The type of license and its validity period may vary based on your immigration status and the state's regulations. For example, some states may issue a temporary license valid for the duration of your approved stay. Always carry your license when driving and ensure it remains up to date.

Additional Considerations:

• International Driving Permit (IDP): While an IDP is not a substitute for a US driver's license, it can be useful if your foreign driver's license is not in English. An IDP translates your license and allows you to drive temporarily in the US and other accepted countries. However, you must obtain the IDP from your home country before arriving in the US.
• Vehicle Registration and Insurance: Once you obtain your US driver's license, you will also need to register your vehicle and purchase auto insurance that meets the state-mandated requirements.
• Renewal and Updates: Keep track of your driver's license expiration date and renew it as needed. If there are changes to your immigration status or personal information, ensure that you update your driver's license and related documentation accordingly.

International driving permits

An International Driving Permit (IDP) is a document that translates your identifying information into different languages, allowing you to drive in countries that require one. It is not a replacement for your national driving license, but an addition, and you must carry both documents with you at all times when driving abroad.

The IDP is a valid form of identification in 150 countries worldwide and is available in nine different languages. It typically lasts for a year, but some countries issue IDPs with shorter validity periods. Your IDP will become invalid once your driver's license from your home country expires.

In the US, AAA is the only entity authorized by the US Department of State to issue an IDP. To apply, you will need to provide:

• A completed application form
• Two original passport pictures (also available at AAA Travel offices)
• A valid US driver's license
• A $20 permit fee

You can apply for an IDP in person at a AAA Travel office or by mail. If applying by mail, you will need to enclose the above documents and mail them to the nearest AAA Travel office.

It is important to note that an IDP must be issued in the same country as your driver's license. Therefore, if you have a US driver's license, you must obtain your IDP from within the US before you start your trip.

Auto insurance for undocumented immigrants

Undocumented immigrants can obtain auto insurance in the United States, but the process varies depending on the state in which they reside. While some states have implemented reforms to provide driver's licenses to undocumented immigrants, other states have regulations banning insurance sales to them.

Obtaining a Driver's License

A driver's license is typically required to purchase auto insurance. Currently, there are 16 states in the US, plus Washington, D.C., that allow undocumented immigrants to obtain a driver's license:

• California
• Colorado
• Connecticut
• Delaware
• District of Columbia
• Hawaii
• Illinois
• Maryland
• Massachusetts
• New Jersey
• New Mexico
• New York
• Nevada
• Oregon
• Rhode Island
• Utah
• Vermont
• Virginia
• Washington

The specific requirements and restrictions for obtaining a driver's license vary by state. For example, in California, undocumented immigrants can obtain a driver's license by meeting the DMV requirements, providing proof of identity and residency. On the other hand, Utah has a law that limits the validity of a driving card for undocumented immigrants to one year.

Insurance Companies

Some insurance companies that offer car insurance to undocumented immigrants include State Farm, Progressive, and Allstate. These companies provide coverage regardless of immigration status and offer flexible payment options and multilingual customer support.

Cost of Auto Insurance for Undocumented Immigrants

Undocumented immigrants may face above-average car insurance rates due to their lack of US driving history and credit history. The average monthly rate for auto insurance for undocumented immigrants is around $117, with State Farm offering the most cost-effective option at $86 per month.

Strategies for Reducing Costs

To reduce the cost of auto insurance, undocumented immigrants can compare quotes from multiple companies, take advantage of discounts, and bundle their insurance policies. Maintaining a safe driving record and increasing the deductible can also help lower premiums.

Legal Requirements

It is important to note that driving without car insurance carries financial and legal risks. All states, except New Hampshire, require insurance to operate a vehicle. Driving without insurance can result in fines, license revocation, and legal consequences in the event of an accident.

Short-term auto insurance for non-citizens

• Rental car coverage: This is typically offered by rental car companies and can include collision damage waiver, personal injury protection, and personal effects insurance. This type of insurance is similar to liability insurance and covers damage or injuries caused to other vehicles or drivers in an accident. It is important to note that rental car insurance can be costly, with weekly rates ranging from $230 to $575.
• International Driving Permit (IDP): An IDP allows you to drive temporarily in countries that accept it, including the US. It is valid in over 150 countries and is available in nine different languages. To obtain an IDP, you must apply for it from your home country before your trip, as it cannot be obtained once you arrive in the US. The IDP is typically valid for one year but may have a shorter validity period depending on your home country.
• Short-term insurance policy: If you are not eligible for regular auto insurance, you may be able to obtain a specialized short-term policy until you meet the eligibility requirements.

It is important to note that requirements and recognition of international driving permits vary by state, so it is recommended to contact the motor vehicle department of the state you will be driving in to understand their specific requirements. Additionally, some states may require non-citizens to obtain a US driver's license within a certain period, typically 60 to 90 days.

Long-term auto insurance for non-citizens

If you're a non-citizen planning a long-term stay in the US and intend to drive, you'll need to get a long-term auto insurance policy. Here are some key things to know about long-term auto insurance for non-citizens:

International Driving Permit

To drive in the US as a non-citizen, you'll need an International Driving Permit (IDP). The IDP allows you to drive temporarily in countries that accept it, and it is valid in over 150 countries. You must apply for the IDP in your home country before your trip, as it cannot be obtained once you arrive in the US. The IDP serves as a translation of your foreign driver's license and is typically valid for a year.

Valid Driver's License

In addition to the IDP, you'll need a valid driver's license issued by your home country. Keep in mind that some states in the US may require you to have both the IDP and your foreign driver's license. Make sure to check the specific requirements of the state you're visiting or residing in.

Insurance Requirements

When it comes to insurance, non-citizens are subject to the same requirements as US citizens. Most states require liability insurance, which provides financial protection if you're at fault in an accident or cause property damage. Some states also mandate Personal Injury Protection or Medical Payments Coverage. Other coverages like Comprehensive and Collision are typically optional unless you're leasing or financing a car.

Insurance Providers

Most insurance companies will sell you an auto insurance policy as a non-citizen, as long as you meet the licensing requirements. However, some companies have strict rules prohibiting issuing auto insurance to drivers with foreign licenses. It's recommended to shop around and get quotes from different providers to find the best rate and coverage.

Establishing Residency

If you plan to stay long-term in the US, you'll need to obtain a US driver's license in the state you live in. To establish residency, you can enrol your children in public school, live in a state for more than 30 days, or explore other state-specific options.

Frequently asked questions