Undocumented Immigrants: Auto Insurance Options

Auto insurance is a necessity for all vehicles driven in the U.S. While undocumented immigrants can get auto insurance in some states, many cannot get a driver's license or insurance coverage. This often results in driving without insurance, which can lead to fines, imprisonment, and even deportation. Fortunately, some states and insurance companies allow undocumented immigrants to obtain driver's licenses and auto insurance. As of October 2022, 18 states and Washington, D.C., allow unauthorized immigrants to get driver's licenses. Additionally, those who qualify under the Deferred Action for Childhood Arrivals (DACA) program can obtain coverage.

Driver's license requirements for undocumented immigrants

As of October 2022, the majority of US states do not allow undocumented immigrants to get driver's licenses. However, 18 states and Washington, D.C., permit unauthorized immigrants to obtain driver's licenses. This number is disputed by another source, which states that 16 states and Washington, D.C., allow undocumented people to obtain driver's licenses.

Regardless of the exact number, it is clear that only some US states allow undocumented immigrants to obtain driver's licenses. These licenses are sometimes different in design from standard driver's licenses, which may draw attention to the holder's immigration status. Furthermore, confidentiality protections vary from state to state, and it may be possible for law enforcement or ICE to access driver databases.

In order to obtain a driver's license, each state has different rules and document requirements. For example, in Wisconsin, a state law passed in 2006 requires people to prove citizenship or legal residency in the US to get a driver's license. In contrast, DACA recipients and other folks who can prove lawful status in the United States are typically able to apply for any type of driver's license, including REAL-ID-compliant licenses, as long as they meet other eligibility requirements for the state.

Auto insurance companies that cater to undocumented immigrants

Auto insurance is a necessity for all vehicles driven in the U.S. While some states make it easy for undocumented immigrants to buy auto insurance, several states have regulations banning sales to them.

Top Auto Insurance Companies for Undocumented Immigrants

State Farm

State Farm is one of the largest insurance companies in the U.S. and offers high levels of customer satisfaction. It is also the most cost-effective option, with coverage at $86 per month. State Farm offers flexible payment options and multilingual customer support. However, it may have restrictions on coverage options available to undocumented immigrants and its rates may increase over time.

Progressive

Progressive offers affordable rates for high-risk drivers and it is easy to get a quote online. It also has a Snapshot program that helps low-mileage, safe drivers save money. Progressive may accept foreign driver's licenses, making it accessible to undocumented immigrants. However, its customer service ratings are not as good as its competitors, and its rates for undocumented immigrants may be higher.

Allstate

Allstate offers multiple coverage options and additional savings programs. It also has accessible online resources and a user-friendly app. However, its customer service ratings are lower than average, and its auto insurance rates are higher than average.

Erie

Erie offers affordable rates, flexible coverage options, and personalized customer service. However, its coverage may not be available in all states, limiting access for undocumented immigrants living in certain areas. Its customer service and resources may also be limited to English.

Liberty Mutual

Liberty Mutual operates in various states across the country, offering coverage options to undocumented immigrants in different regions. It also provides discounts for bundling multiple insurance policies. However, its rates may be higher compared to other insurers, and its customer service and resources may be limited to English.

Nationwide

Nationwide may accept foreign driver's licenses, providing access to insurance for undocumented immigrants. It also offers flexible payment options and discounts for safe driving. However, it may have restrictions on coverage options available to undocumented immigrants, and its rates may increase over time.

Other Options

Other auto insurance companies that cater to undocumented immigrants include Farmers, American Family, Esurance, and Metlife.

How to get auto insurance without citizenship

If you are an undocumented immigrant in the U.S., the first step towards getting car insurance is to apply for a driver's license. While some car insurers may write a policy without a license, a valid license is typically required to get coverage. As of October 2022, 18 U.S. states and Washington, D.C., allow unauthorized immigrants to obtain driver's licenses. If you live in a state that does not permit undocumented immigrants to get a driver's license, you may still be able to obtain a license if you qualify under the Deferred Action for Childhood Arrivals (DACA) program.

If you are not a U.S. citizen but have a valid driver's license issued by your home country, you can get car insurance in the U.S. by applying for an International Driving Permit (IDP). An IDP allows you to drive temporarily in countries that accept it, and it is available in nine different languages. However, not all states recognize international driving permits, and requirements vary by state.

If you are a short-term visitor to the U.S. and want to rent a car, you can get the necessary coverage from the rental company. If you plan to stay in the U.S. for a long time, you may need to buy car insurance for non-U.S. citizens from a U.S.-based company. Most insurance companies will sell you an auto insurance policy even if you are not a U.S. citizen, as long as you meet the licensing requirements within 60 days. If you cannot meet the licensing requirements after 60 days, the insurance company will cancel your policy and refund your payment.

To establish residency in the U.S. to get a valid driver's license, you can enroll your children in public school or live in a state for more than 30 days. If you are not eligible for a regular auto insurance policy, you can get a specialized short-term policy until you meet the eligibility requirements.

It is important to note that car insurance is required in most states to legally drive a vehicle. If you are caught driving without insurance, you may face fines, imprisonment, or even deportation if you are an undocumented immigrant.

Discounts for undocumented immigrants

While undocumented immigrants can get auto insurance in some US states, they often face higher rates. However, there are ways for them to access discounts and more affordable coverage.

Firstly, undocumented immigrants can obtain a driver's license and purchase auto insurance in 18 states and Washington, D.C. These states include California, New York, New Jersey, Hawaii, Oregon, Nevada, Utah, Colorado, New Mexico, Washington, Illinois, Virginia, Maryland, Delaware, Connecticut, Vermont, and the District of Columbia. Obtaining a license in these states is the first step toward getting auto insurance.

Additionally, those who qualify under the Deferred Action for Childhood Arrivals (DACA) program can obtain a driver's license and auto insurance in any state. To be eligible for DACA, individuals must have immigrated to the US before turning 16, been under 31 as of June 15, 2012, maintained consistent US residence since June 15, 2007, and meet other criteria.

When it comes to auto insurance, undocumented immigrants can benefit from various discounts offered by insurance companies. For example, using an Individual Taxpayer Identification Number (ITIN) instead of a Social Security Number (SSN) can unlock discounts with certain providers.

Furthermore, insurance companies such as State Farm, Progressive, and Allstate are known for providing affordable rates and flexible payment options for undocumented immigrants. State Farm, in particular, stands out for its multilingual customer support and accessible claims process.

It is worth noting that auto insurance rates for undocumented immigrants are influenced by similar factors as other drivers, including age, gender, and driving record. Maintaining a clean driving record can help undocumented immigrants obtain lower premiums over time.

Risks of driving without insurance as an undocumented immigrant

Driving without insurance is risky for anyone, but for undocumented immigrants, the consequences can be especially severe. While it may be difficult for undocumented immigrants to obtain a driver's license and insurance, driving without insurance can result in fines, imprisonment, and even deportation.

Fines and Imprisonment

If you are caught driving without insurance, you may be charged with a crime and face steep fines. These fines can cost thousands of dollars, and you may be charged with a crime, resulting in a criminal record that can further complicate your legal status.

Deportation

As an undocumented immigrant, being charged with a crime can lead to your information being reported to Immigration and Customs Enforcement (ICE). This means you may face deportation, disrupting your life and separating you from your family and community.

Limited Transportation Options

Without access to a vehicle, undocumented immigrants may struggle to find reliable transportation. This can affect their ability to work, access healthcare, and participate in their community.

Financial Burden

Even if you are not caught driving without insurance, being in an accident can result in significant financial liabilities. You may be held responsible for the cost of repairs, medical bills, and other expenses resulting from the accident.

Legal Issues

Driving without insurance is illegal in almost every state in the U.S. If you are involved in an accident, you may face legal consequences, including lawsuits and criminal charges.

In summary, driving without insurance as an undocumented immigrant is a risky decision that can lead to severe consequences. It is important to explore all options for obtaining a driver's license and insurance, or to find alternative transportation methods, to avoid putting yourself and others at risk.

Frequently asked questions