Can I Get Car Insurance with a Foreign Driver's License?

If you have been planning to move to the U.S. and are wondering whether you can get car insurance in the United States with your home country's driver’s license, you’re not alone. Thousands of visitors, immigrants, and temporary residents face this question. The happy news is that getting car insurance with a foreign license is possible. However, you might need to know a few specific details. As you’re already here, you can now stop ruminating about “Can I get car insurance with a foreign driver’s license.”

Different states and insurance companies have their own requirements, so it would be great if you could learn what options are available. From minimum coverage to finding the right insurance agent, we’ll guide you through the steps to help you legally drive with confidence. In this article, we’ll discuss everything you need to know about securing car insurance as a foreign driver. 

Can I Get Car Insurance with a Foreign Driver’s License?

The straightforward answer is yes. You can easily get your car insurance with a foreign driver's license. In fact, U.S. law allows anyone to get insured if they have a valid driver's license. Many insurance companies, including L.A. Insurance, offer policies for international drivers, but the options may vary based on the state you’re in and the duration of your stay. 

When applying for car insurance, you will need to provide your foreign driver’s license, a copy of your passport, and proof of residency, such as lease agreements or utility bills. Some states may also ask for an International Driving Permit (IDP) alongside your foreign license.

However, you might have to pay higher premiums or deductibles as your car insurance company might have very limited information on your driving history. So, if you’re allowed to drive legally in the U.S. then you can talk to an insurance agent specializing in foreign driver policies and learn the process of getting auto insurance with a foreign driver’s license. 
Here are some key things to remember:

• You need a valid driver's license to get car insurance in the U.S.A.
• Standard car insurance policy is usually a six or 12-month plan, however, some insurers may also offer short-term insurance policies or rental car insurance  
• Whether your foreign driver's license will be accepted or not depends on your home country
• If your foreign driver's license is accepted, you can typically drive for 3 months
• If you’re staying U.S. and plan to drive for about a year, you need to apply for an International Driving Permit (IDP) (valid for 1 year)
• Non-U.S. citizens who are staying here for more than a year should apply for a U.S. driver’s license 
   

Do You Need Auto Insurance as a Foreigner in the U.S.A?

Both U.S. and non-U.S. citizens usually follow the same auto insurance law. So, if you’re moving to the United States whether for the short term or long term, you’ll need to have minimum car insurance coverage to protect you. The requirements usually depend on the nature of your stay, the state you are in, and whether you own or rent a vehicle. 
As a driver, one should look into U.S. car insurance in the following situations:

• Temporary Visits or Tourist Business Trip: If you are visiting the U.S. for a short time, like for a vacation or business trip, and plan to drive, you need to have auto insurance, even if you have an international driver’s license. Many rental companies offer temporary insurance, which can be a convenient option for short visits.
• Long-Term Stays: For those staying long-term, such as on a work visa or studying abroad, getting auto insurance becomes a little bit complex. Most states require you to get insurance based on local laws, even if you initially use a valid driver's license or an International Driving Permit (IDP). However, once you establish residency (typically after a few months), you’ll need to apply for a U.S. driver's license and switch to a more permanent auto insurance policy.
• Residency and Vehicle Ownership: If you decide to live in the U.S. or buy a car, you need to get a U.S. driver's license and insurance that meets the standards in your state. Coverage choices are the same for citizens and non-citizens. They usually include liability insurance and, if the state requires it, Personal Injury Protection (PIP). Keep in mind that your driving record from another country might not carry over to the U.S., so you might be seen as a new driver, which could affect your insurance rate.

Do I Need Car Insurance If I Am Coming to the U.S. from Canada or Mexico? 

If you’re coming to the U.S. from Canada or Mexico, the car insurance rules can slightly vary based on your situation. Generally, Canadian car insurance policies extend coverage into the U.S. This means that if you have valid insurance in Canada, you should be covered while driving in the U.S. The same applies to U.S. citizens when they visit Canada. However, you need to verify this with your insurance agent before your trip and carry proof of your insurance to present to law enforcement if necessary. If you are moving to the U.S.A. permanently or for a long time, you must register your vehicle in the state where you live with the BMV or DMV.

If you're driving with a Mexican license and insurance in the U.S., you'll need to buy separate car insurance. You can often arrange this through rental car companies if you are renting a vehicle. Mexican car insurance generally doesn’t cover you in the U.S., so it's important to get the right insurance for your time in the U.S. 

Requirements for Getting Car Insurance with a Foreign Driver's License 

Getting car insurance with a foreign driver’s license in the U.S. is possible but you need to keep in mind that it may vary by state and insurance provider. Here’s what you need to know to get your auto insurance with a foreign driver’s license. 

Understand State Laws

Each state has its own rules about car insurance and drivers from other countries. For example, some states might let you use a foreign license for a short time, while others might make you get an International Driving Permit (IDP) or a driver's license from the state if you plan to stay for a long time. Before you go any further, check to see what your state's rules are on foreign licenses. 

Choose the Right Insurance Provider

Not all insurance companies provide coverage for drivers with international licenses. However, LA Insurance is flexible in providing cheap full coverage car insurance to foreigners and immigrants. Some providers might request a U.S. driver’s license or a license number from another person who will be the primary driver, such as a spouse or friend. It is recommended to look for local insurers or agencies instead of mainstream companies if you want to get a cheaper rate. 

Show Proof of Driving History

Insurers often base premiums on your driving record. As a foreign driver, providing a translated and verified copy of your driving history might help. This documentation might include your home country’s driver’s license and proof of no prior accidents or violations. Some companies might accept these records and use them to estimate your car insurance premium. If you fail to provide this, you might face higher rates. 

Consider an Excluded Driver Policy 

If you’re not planning to drive frequently, some insurers might let you purchase a policy. In this case, you’ll need to enlist another licensed driver as the primary driver. This option can be useful if you own a car but don’t drive regularly. Also, keep in mind that if you drive without a valid U.S. license any accidents or damages may not be covered. 

Collect Necessary Documents

To apply for car insurance with a foreign license, you’ll typically need:

• A valid foreign driver’s license or IDP
• Proof of residency, such as utility bill or lease agreements
• A copy of your vehicle’s registration and if possible, your international driving history 

Read Also: Does Car Insurance Cover Scratches and Dents? 

Types of Licenses Accepted by U.S. Insurance Companies

When it comes to car insurance in the U.S., insurance companies accept several types of driver’s licenses, each with its own conditions and requirements. Here’s what is typically accepted and how it varies by different situations. 

1. State-issued Driver’s License: The simplest and universally accepted license type of U.S. car insurance is a state-issued driver's license. All U.S. residents need to obtain a license from their state of residence to legally drive and secure insurance.
2. International Driving Permit and Foreign Driver’s History: International visitors or short-term residents can use their foreign driver’s license in most states for a limited period of time, usually 30 to 90 days. Some states require an International Driving Permit (IDP) in addition to a foreign license. IDP is a document translating your license into English. Note that IDP alone isn’t enough so it must be presented alongside your foreign license.
3. Temporary and New Residents (State-Specific Requirements): If you plan to stay in the U.S. longer (e.g., longer than six months), you may be required to obtain a local driver’s license depending on the state laws. States like Florida for instance, mandate that international visitors residing for more than six months or working within the state obtain a Florida license to be insured and drive legally.
4. License for Undocumented Immigrants: Some states, such as California and New York, issue driver’s licenses regardless of immigration status. This has been an important initiative, as undocumented immigrants in these states can legally drive and obtain insurance. Currently, 20 states issue licenses to immigrants if they can provide a foreign birth certificate, foreign passport, or proof of current residency in the state, according to NCSL. You can get your license through your state’s DMV office.

List of States that Accept Foreign Driver’s License for Getting a Car Insurance 

In the U.S. several states accept foreign driver’s licenses for car insurance which truly offers flexibility to foreign drivers. Here are some states where you can get auto insurance using your foreign driver’s license or International Driving Permit (IDP):

• California
• New York
• Texas
• Florida
• Washington
• Arizona
• Illinois

However, as getting car insurance highly depends on a driver's license, we recommend getting an IDP alongside your driver's license from your home country. This will help you avoid any potential complications regardless of whatever state you’re living in.

List of States Where Unauthorized Immigrants Can Get a Driver’s License 

In the U.S., 20 states allow unauthorized immigrants to obtain a driver’s license. Having a driver’s license is essential for getting car insurance, so this list may be helpful.

1. California
2. Colorado
3. Connecticut
4. Delaware
5. District of Columbia
6. Hawaii
7. Illinois
8. Maryland
9. Massachusetts
10. Minnesota
11. Nevada
12. New Jersey
13. New Mexico
14. New York
15. Oregon
16. Rhode Island
17. Utah
18. Vermont
19. Virginia
20. Washington 

How Much Car Insurance Do I Need in the U.S. As a Foreign Driver?

Car insurance requirements for foreigners in the U.S. usually vary by state. However, the requirements for car insurance in the U.S. are the same for both U.S. citizens and non-U.S. citizens. This means you’ll have to have minimum liability coverage or personal injury protection (PIP). The liability car insurance coverage includes bodily injury (BI) and property damage (PD). So, if you’re at fault in an accident, your insurance will help you cover the costs for the other party’s medical bills and repairs. Apart from mandatory car insurance coverage, there are a few full coverage and comprehensive coverage options available which are optional but good to have. 

Types of Car Insurance Coverage Available for Foreign Drivers

As an international driver in the United States, while you are required to have liability insurance, you may also want to think about getting extra coverage. Here are some additional coverage options for your car insurance:

• Collision Coverage: Protect your own from damage resulting from collision, regardless of fault.
• Comprehensive Coverage: Protects you against non-collision incidents like theft, vandalism, or weather-related damage
• Uninsured/Underinsured Motorists: If you’re in an accident with someone who doesn’t have sufficient insurance, this coverage helps cover your expenses.
• Personal Injury Protection (PIP): Covers medical expenses for you and your passengers regardless of who caused the accident.

Easy Steps to Get Car Insurance with an International Driver’s License 

It’s not that difficult to purchase a car insurance policy in the U.S. if you have a valid driver’s license. Here are the easy steps for you:

• Check License Requirement: Ensure you have a valid foreign driver's license and an International Driving Permit (IDP) if required by your state.
• Gather Documentation: Prepare necessary documents, including your driver's license, IDP, proof of residency, and driving history (if possible).
• Research Insurance Options: Compare insurance quotes from various insurers, such as L.A. Insurance, which is the most affordable insurance agency for foreign drivers.
• Understand State Requirements: Familiarize yourself with your state’s minimum coverage requirements, which typically include liability coverage.
• Complete the Application: Fill out the application with accurate information about your driving history and any previous insurance.
• Pick Coverage: Choose the coverage options that best suit your needs such as collision and comprehensive coverage. 

Alternatives to Standard Car Insurance for International Drivers

For foreign drivers in the U.S., there are several alternatives to standard car insurance plans. These options can fulfill different needs based on the length of the stay, driving frequency, and vehicle access.

1. Rental Car Insurance: If you plan to rent a car during your visit, most rental companies usually offer basic liability insurance. Also, purchasing a collision damage waiver and personal accident insurance can protect you from damage, theft, and medical bills.
2. Non-Owned Car Insurance: Ideal option for you if you’re borrowing a car or using a car-sharing service. Non-owner policies provide liability coverage but don’t cover damage to the vehicle itself. If you don’t own a car but still need auto insurance protection while driving in the U.S., this would be perfect!
3. Temporary Insurance Plans: Some insurance companies offer international drivers short-term car insurance plans. This could last a few days to several months. If you’re visiting the U.S.A. and driving occasionally during your stay, this could be a useful policy. Pay
4. Per-Mile Insurance: If you don't drive often, pay-per-mile insurance could be a good option for you. You pay a base rate plus a fee per mile driven. This type of insurance is suitable for international visitors who don’t plan to drive extensively.  

Tips for Finding the Best Foreign Driver Car Insurance 

To find the best car insurance as a foreign driver in the U.S., start by checking if you can use your foreign driver’s license or if an international driving permit (IDP) is necessary. Some states allow foreign licenses for up to three months, while an IDP may extend driving rights for up to a year. 

Now, look into insurance companies that offer coverage to non-U.S. drivers. Many of them provide short-term policies that match the duration of your stay. Compare quotes from multiple insurers, including L.A. Insurance. Make sure you understand the specific requirements of the state, as the minimum coverage varies. 

Applying for a U.S. driver’s license can also help lower premiums if you plan to stay long-term. Also, consider discounts like bundling policies, or completing a defensive driving course. 

Can You Get Car Insurance with a Foreign Driver’s License: The Bottom Line 

You can obtain car insurance with a foreign driver’s license in the U.S., but the process varies by state and insurance company. It may require an international driving permit (IDP) or fulfilling specific state requirements. Insurance companies like L.A. Insurance and some other reputed insurers offer options particularly customized for international drivers, including temporary or short-term policies. However, if you understand state rules and explore different insurers, you will surely find the best car insurance for you. 

Frequently Asked Questions (FAQs)

Can I Get Car Insurance If I Am an International Student in the U.S.? 

Yes, international students studying in the U.S. can buy car insurance. To get insurance, you need a valid driver's license (international, foreign, or U.S. state license) and proof that you are a student. You have different insurance options such as standard policies (like full coverage, comprehensive coverage, and collision coverage), non-owner policies, and short-term rental car coverage. It’s recommended that quotes be compared as well to find the best rates. 

Can I Drive Legally with Just My Foreign License? 

You can legally drive in the U.S. with a foreign license for up to three to six months, depending on the state of your residency. However, it’s recommended to have an International Driving Permit (IDP) for easier recognition. If staying longer than a year, you should get a U.S. driver's license. 

What are the main differences between car insurance for international drivers and U.S. citizens?

While the basic requirements for car insurance are similar for both international and U.S. drivers, there are some key differences:

• International drivers often face higher premiums due to insurers' inability to verify their driving history abroad.
• Some insurance companies may not accept foreign licenses, requiring international drivers to obtain an International Driving Permit (IDP).
• Long-term international residents are usually required to obtain a U.S. driver's license within a certain timeframe after arrival.
• State-specific requirements may apply differently to international drivers compared to U.S. citizens. 

How do I prove my eligibility to drive in the U.S. as an international driver? 

To legally drive in the U.S. as an international driver, you typically need to provide:

• A valid foreign driver's license
• An International Driving Permit (IDP) if your home country issues one
• Proof of residency in the U.S. (if applicable)
• Proof of car insurance coverage meeting state requirements
• Some states may have additional requirements, so it's best to check with your local Department of Motor Vehicles for specific details.

Can I register my foreign vehicle in the U.S.? 

Remember, most states require international drivers to have a U.S. driver's license to register a foreign vehicle. You might be able to drive someone else's car if they add you to their insurance. Some states have specific rules for registering foreign vehicles. Check the laws in your state. 

What happens if I'm involved in an accident while driving in the U.S. as an international driver?

When driving in the U.S., most states require liability insurance by law. Your home country's insurance may not cover you, so you might need to buy extra insurance. It's essential to have the right documentation (foreign license, IDP, proof of insurance) in case of an accident.