Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a firm agreement of policy products including family, life, car, and commercial and working immediately with policy customers to understand their needs. She has since used that cognition in her more than ten years as a writer, largely in the insuranc …

Full Bio →

Written by

Leslie Kasperowicz

Farmers CSR for 4 Years

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family ’ s insurance agency, FCI Agency, for 15 years ( BBB A+ ). He is licensed as an agent to write property and casualty indemnity, including home plate, car, umbrella, and dwelling fire insurance. He ’ randomness besides been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex-husband …
Full Bio →

Reviewed by

Daniel Walker

Licensed Auto Insurance Agent

column Guidelines : We are a free on-line resource for anyone concern in learning more about car indemnity. Our goal is to be an objective, third-party resource for everything car policy related. We update our site regularly, and all contentedness is reviewed by car insurance experts .
Things to remember …

  • You do need auto insurance with a foreign driver’s license to drive in the U.S.
  • An International Driver’s Permit is used in conjunction with your home driver’s license to drive in the United States
  • You are required to have auto insurance on any car you drive whether you own, rent, or borrow it
  • Short-term policies are available through different companies, and you can shop around to find more appealing auto insurance rates for drivers from foreign countries

When visiting the United States, you may want to take a drive to see the countryside or tour nearby cities. Auto indemnity for foreign license holders is a little unlike than for U.S. residents .
Can you get car policy with an international drivers license ? Can a foreigner contract car insurance in the USA ? Driving in the United States with a foreign license is allowed if you follow all local and federal car insurance laws .
Before getting on the road, you ’ ll want to be sure that you ’ re following department of state guidelines by having the allow license and indemnity. There are many unlike types of car policy coverage to choose from, depending on your needs .
As you plan your sojourn to the United States, you should expect to take a few steps before your trip. This includes finding out how to get car insurance with a alien driver ’ mho license .
Get the coverage you need at the best price. If you want car policy quotes for extraneous drivers, enter the ZIP code of the area you ’ ll be visiting to find car policy for foreign license holders. Which foreign driver car indemnity company is for you ? Find out now .

Can I get auto insurance in the U.S. with a foreign license?

The short circuit answer is possibly. Some insurance companies will sell you coverage with a alien driver ’ mho license, while others may require you to obtain an external driver ’ second license in addition to regular drivers license from your original country .
Keep take to learn how to get car insurance with an international driver ’ second license and ways to find low-cost alien driver car policy .

Free Auto Insurance Comparison

enroll your ZIP code below to view companies that have brassy car insurance rates .

 Secured with SHA-256 Encryption
Secured with SHA-256 Encryption

How do I buy auto insurance for foreign license holders in the U.S.?

There are enough of scams going around the earth, including fake car indemnity for a extraneous license. Learn how to spot a bogus company thus that you ’ ll have the coverage you need when you arrive rather than a despicable document .
Keep in mind that if you ’ ra driving with a bogus policy design, then you are in rape of the jurisprudence and can be ticketed for driving without indemnity. The well news is that all the answers you ’ ra looking for about a car insurance company are correct at your fingertips .
Take the time to check for :

  • License information – Available online through the state’s Department of Insurance
  • Fully detailed documents – Itemized insurance information will detail what type of coverages you have
  • Realistic costs – If the fees quoted seem impossibly low, then the company is probably fake

Start your vacation or extended trip off on the right infantry by getting the coverage that you need to drive. It doesn ’ t topic if you ’ ra borrowing a car or buying one to drive for the year .
You ’ ll want to have at least the state minimal policy levels ( which we ’ ll discourse in the following section ), but you can besides choose to go with a more thorough level of protective covering .

How much auto insurance is required in the U.S.?

Can I get car indemnity with a extraneous driver ’ randomness license ? You can, but the car policy policy with a extraneous license inactive has to meet the like requirements as an policy policy for a U.S. driver .
Each state of matter creates its own laws about drive, including who is at-fault in an accident and how much car policy you must carry .
Most states outline particular car policy requirements drivers must meet in ordering to drive in that country .
The state requirements are typically for liability coverage for property damage that you cause in an accident, personal injuries to a one person in a individual accident, and personal injuries sustained by multiple people in a individual accident. Look at this table to see the requirements in the submit you plan to visit .
Minimum Auto Insurance Requirements by State

State Insurance required Minimum liability limits
Alabama BI & PD Liab 25/50/25
Alaska BI & PD Liab 50/100/25
Arizona BI & PD Liab 15/30/10
Arkansas BI & PD Liab, PIP 25/50/25
California BI & PD Liab 15/30/5
Colorado BI & PD Liab 25/50/15
Connecticut BI & PD Liab, UM, UIM 25/50/20
Delaware BI & PD Liab, PIP 25/50/10
District of Columbia BI & PD Liab, UM 25/50/10
Florida PD Liab, PIP 10/20/10
Georgia BI & PD Liab 25/50/25
Hawaii BI & PD Liab, PIP 20/40/10
Idaho BI & PD Liab 25/50/15
Illinois BI & PD Liab, UM, UIM 25/50/20
Indiana BI & PD Liab 25/50/25
Iowa BI & PD Liab 20/40/15
Kanses BI & PD Liab, PIP 25/50/25
Kentucky BI & PD Liab, PIP, UM, UIM 25/50/25
Louisiana BI & PD Liab 15/30/25
Maine BI & PD Liab, UM, UIM, Medpay 50/100/25
Maryland BI & PD Liab, PIP, UM, UIM 30/60/15
Massachusetts BI & PD Liab, PIP 20/40/5
Michigan BI & PD Liab, PIP 20/40/10
Minnesota BI &PD Liab, PIP, UM, UIM 30/60/10
Mississippi BI & PD Liab 25/50/25
Missouri BI & PD Liab, UM 25/50/25
Montana BI & PD Liab 25/50/20
Nebraska BI & PD Liab, UM, UIM 25/50/25
Nevada BI & PD Liab 25/50/20
New Hampshire FR only 25/50/25
New Jersey BI & PD Liab, PIP, UM, UIM 15/30/5
New Mexico BI & PD Liab 25/50/10
New York BI & PD Liab, PIP, UM, UIM 25/50/10
North Carolina BI & PD Liab, UM, UIM 30/60/25
North Dakota BI & PD Liab, PIP, UM, UIM 25/50/25
Ohio BI & PD Liab 25/50/25
Oklahoma BI & PD Liab 25/50/25
Oregon BI & PD Liab, PIP, UM, UIM 25/50/20
Pennsylvania BI & PD Liab, PIP 15/30/5
Rhode Island BI & PD Liab 25/50/25
South Carolina BI & PD Liab, UM, UIM 25/50/25
South Dakota BI & PD Liab, UM, UIM 25/50/25
Tennessee BI & PD Liab 25/50/15
Texas BI & PD Liab, PIP 30/60/25
Utah BI & PD Liab, PIP 25/65/15
Vermont BI & PD Liab, UM, UIM 25/50/10
Virginia BI & PD Liab, UM, UIM 25/50/20
Washington BI & PD Liab 25/50/10
West Virginia BI & PD Liab, UM, UIM 25/50/25
Wisconsin BI & PD Liab, UM, Medpay 25/50/10
Wyoming BI & PD Liab 25/50/20
Get Your Rates Quote Now #blank# #blank#

Compare RatesStart Now → To help you better understand the data, we ’ ve summarized the acronym and abbreviations .
Liability Auto Insurance Abbreviation Definitions

Abbreviation Meaning
BI Bodily Injury
PD Property Damage Liability
PIP Personal Injury Protection
UM Uninsured Motorist
UIM Underinsured Motorist
Get Your Rates Quote Now #blank#

Compare RatesStart Now → Keep take for more on how much policy costs in the U.S .

How much does auto insurance for foreign license holders cost in the U.S.?

To get an mind of the price of minimum coverage ( so you have a approximate range for what you ’ ll need to pay ), take a front at this table for average rates for liability coverage by state .
Average Annual Liability Auto Insurance Rates by State

State Average Annual Liability Auto Insurance
North Dakota $282.55
South Dakota $289.04
Iowa $293.34
Wyoming $323.38
Maine $333.92
Idaho $337.17
Vermont $340.98
Kansas $342.33
Nebraska $349.07
North Carolina $357.59
Wisconsin $359.84
Indiana $372.44
Alabama $372.57
Ohio $376.16
Arkansas $381.14
Montana $387.77
New Hampshire $393.24
Tennessee $397.73
Missouri $399.41
Virginia $413.12
Illinois $430.54
Mississippi $437.38
Minnesota $439.58
Oklahoma $441.57
Hawaii $458.49
New Mexico $462.21
California $462.95
Utah $471.26
Colorado $477.10
Arizona $488.59
Georgia $490.64
Pennsylvania $495.02
South Carolina $497.50
Texas $498.44
West Virginia $501.44
Kentucky $518.91
Alaska $547.34
Oregon $553.43
Washington $568.92
Massachusetts $587.75
Maryland $599.48
District of Columbia $628.09
Connecticut $633.95
Nevada $647.07
Rhode Island $720.06
Michigan $722.04
Louisiana $727.15
Delaware $776.50
New York $784.98
Florida $845.05
New Jersey $865.55
U.S. Average $516.39
Get Your Rates

Quote Now


Compare RatesStart Now → Liability-only policy will cost you about $ 43 per month. Most policies are six or 12 months long. Keep in take care these rates are averages. Your costs may be higher, particularly given that as a foreign driver, you won ’ t have a repel criminal record in the U.S. that car policy companies can use as a baseline for adjusting your rates .
One choice for extraneous driver car policy for short-run visitors is impermanent car policy on an external drive license. This would allow you to have the coverage you need for the timeframe you will be driving .

It may take a little longer to find short-run car policy companies, but you can still look around for different rates .

not every caller will offer a short-run policy, therefore be certain to shop around to find the coverage at a great price .

Free Auto Insurance Comparison

enroll your ZIP code below to view companies that have cheap car insurance rates .

 Secured with SHA-256 Encryption
Secured with SHA-256 Encryption

Can I get any discounts as a foreign driver?

If you ’ re planning a short visit to the U.S. in which you ’ ll be borrowing or renting a vehicle, you credibly won ’ thyroxine modify for any policy discounts. however, if you ’ re planning an gallop persist with a traditional policy plan, you may be able to lower your rates with policy discounts like passive restraint custom, safety features, and multiple fomite or bundle policies .
Do I need car insurance when borrowing a car ?
If you ’ re visiting friends or class in the United States, you may have a car that you can borrow for the duration of your trip .
Some indemnity companies will cover visitors and allow them to drive the policyholder ’ s car, but it all depends on the company .
rather than taking chances with coverage, ask your supporter to add you to their car insurance policy as a short-run visitor .

If you ’ re going to rent a car, you have a few different options for coverage .

In addition to the plans offered by the company, you besides may have protection through :

  • The credit card you used to make the reservation
  • Your regular insurance company from home
  • Your employer if you’re traveling on their behalf
  • A motor club membership

If you don ’ t have any of these coverages, you can easily purchase the indemnity you need from the rental car company. however, you ’ ll want to make certain that you have the right coverage before you drive off the batch. You should ask about :

  • Collision Damage Waiver – This coverage pays for any damage or theft to a rental car while it’s in your possession. As a visitor, it can provide you with peace of mind because you won’t necessarily know where the high-risk areas are to avoid them.
  • Supplemental Liability Insurance – Most people don’t really have enough liability coverage, and that includes renters. However, you can also get the protection you need with an umbrella policy and go with the minimum amount required at the rental counter.
  • Personal Accident Insurance – This covers medical costs for you and your passengers in the event of an accident, but it’s not necessary if you have purchased health insurance for your trip.
  • Personal Effects Coverage – Items that are stolen out of your vehicle would be covered with this plan, but you may already have protection through the homeowner’s policy you have at home. Before you leave for your trip, call your company to see if you have protection.

There is no one size fits all when it comes to car policy. Speak with your agent to determine precisely what coverages you need .

Should I rent or buy a car?

In accession to educating yourself on rental car policy, you may want to make surely you ’ re fully prepared by booking your cable car in progress. If you ’ re purchasing the insurance ahead of time, you can learn more about the options and make a fully informed decision .
If renting a car international relations and security network ’ thymine feasible ascribable to the length of the stay, then buying a car is a fresh choice. The fomite can constantly be sold when you return home. however, in this case, you ’ ll have to invest in short-run car insurance ( or long-run if you plan to be in the U.S. for an widen period ) .
The great news is that respective companies are offering short-run plans for visitors. You ’ ll need to have your international driver ’ second license ( more on this in the future section ) before you can apply for insurance, and you won ’ thymine be able to drive until you have the coverage. When applying for a plan, you ’ ll need to provide the party with :

  • The address where you’ll be staying
  • The make, model, and vehicle identification number of the car you’ll drive
  • Information about your driving record, including tickets or accidents in the last few years

If you don ’ thymine know what type of car you ’ ll have when you arrive and don ’ t have an address quite yet, then you won ’ metric ton be able to purchase the insurance. however, you can however shop around ahead of time to find a company that offers these plans and is will to serve you .
Upon arriving in the United States, either use an see rental car or let person else drive you until the policy is in place. You ’ rhenium expected to have the state-mandated coverage levels before getting behind the wheel of a car .

Do I need an International Driving Permit to buy auto insurance?

An international drive license ( IDP ) is a valid form of designation accepted by 150 countries around the ball. It contains key information about you that is translated into 10 different languages .
It ’ s a highly recommend piece of identification for travelers because it displays your :

  • Name
  • Photo
  • Driver information

Take note that the IDP is meant to be carried with a valid driver ’ second license from your dwelling nation .
The two must be presented together if you ’ rhenium ever pulled over for a traffic trespass, and it ’ sulfur normally estimable for a period of one year .
additionally, you will need to obtain the IDP in your state of citizenship and bring it with you to the United States, along with your recommendation and valid driver ’ sulfur license .
USA.gov provides resources to help visitors be prepared before entering the area .

When visiting the United States, you may be able to rent a car using your license and the IDP. You can besides get car insurance with an abroad license .
If you ’ re a nonmigratory of the country, you ’ ll want to check your state ’ s person requirements. In most cases, you ’ ll be required to obtain a state-issued driver ’ randomness license .
In general, you can expect your alien license and IDP to be good for one year. however, at the end of this period, the state you ’ re visiting may expect you to get a local anesthetic driver ’ south license .
Contact your local Department of Motor Vehicles ahead of clock to find out if you ’ rhenium eligible and learn more about the requirements .
One great option is to use a comparison tool to quickly enter what you need and be rewarded with unlike companies ’ data. The march will be faster, and you might save some money on the car indemnity rates when you arrive .
Shop around for car indemnity with a foreign driver ’ south license by using a comparison locate. In addition to finding lower rates, you can besides look for more exhaustive coverage that better suits your car insurance needs for extraneous drivers. When you know you ’ ra covered, you can head out on the roads with confidence and start seeing all that the United States has to offer .

Free Auto Insurance Comparison

figure your ZIP code below to view companies that have bum car policy rates .

 Secured with SHA-256 Encryption
Secured with SHA-256 Encryption

Frequently Asked Questions: Auto Insurance for Foreign License Holders

Do you inactive have questions about obtaining car insurance with a extraneous driver ’ mho license ? Take a minute to check out these frequently asked questions .

#1 – How do you drive in the U.S. with a foreign license?

You can drive in the U.S. for up to three months on a foreign license. If you intend to drive and purchase car policy as a long-run external visitor or external scholar, you must get a United States driver ’ randomness license .

#2 – Which companies offer auto insurance for foreign drivers?

many companies in the U.S. offer car policy for extraneous drivers. These include The General, Kemper, and Assurance America.

Are you cook to buy foreign driver car policy ? Start by comparing agile car insurance quotes for foreign drivers .
Enter the ZIP code of the area in which you ’ ll be staying in our free tool to compare extraneous driver car insurance quotes and find the best car policy for external drivers in the USA .

Leave a Reply

Your email address will not be published. Required fields are marked *