Car Insurance for Foreign Drivers in USA: The Ultimate Guide

Last updated: 3rd February, 2022

Car insurance for foreign drivers in USA can be a hassle. However, if you want to drive a car in the United States, you will need car insurance. Foreigners living in the USA and wanting to buy car insurance will need an IDP or a valid US driver’s license.  

If you have neither of these documents, your only option is Temporary car insurance for foreign drivers in USA. It is crucial that you go through our guide before buying car insurance for foreigners in the US. This is because it covers everything from most affordable car insurance for foreign drivers in USA to what car companies offer coverage for people with foreign licenses!  

car insurance for foreign drivers
most affordable car insurance

Can a Foreign Driver Insure a Car in the United States?

If you wish to own or drive a vehicle in the United States, you must get auto insurance, even if you are not a US resident or hold a foreign driver’s license. According to Bankrate, you won’t be able to get an insurance policy directly from a stand-alone auto insurance provider if you’re just in the United States for a short period of time. If you’re a short-term visitor hiring a car, the rental firm will typically sell you insurance. Alternatively, it could provide coverage via a third-party provider.

Is There Temporary Car Insurance for Foreign Drivers in USA?

Temporary car insurance for foreign drivers in USA is not a valid option to buy full coverage from any US auto insurer even if you have an International Driving Permit (IDP). An IDP is a document that allows you to drive legally in any country that recognizes it. Instead, it’s better to get a temporary policy that can last up to 30 days until you pass your driving test and receive a US driver’s license. Alternatively, you could apply for an international student visa. This visa would require a valid United States driver’s license. After this period passes, we recommend buying full coverage as soon as possible! 

How Expensive is Car Insurance For Foreign Drivers in USA?

Car insurance for foreigners in the United States can be a bit more expensive than it is for US citizens. This is because car insurance companies in USA see foreign drivers as a higher risk. Therefore, charge them more money for coverage. However, there are some things that you can do to help reduce the cost of your car insurance policy.

  • The first step is to search about and compare vehicle insurance rates from several companies.
  • The second step is to make sure that you are fully covered and have comprehensive and collision protection.
  • And the third step is to keep your driving record clean!

Some car insurance companies offer discounts to drivers who have good driving records or who belong to certain organizations (e.g., AAA). Others may offer special deals to people who are temporarily in the United States.

If you have neither an IDP nor a valid US driver’s license, your only option for driving in  USA is Temporary car insurance for foreign drivers in USA. This type of policy covers you for a limited period (usually 30 days) and is valid in all 50 states. It is important to note that Temporary car insurance for foreign drivers in USA does not meet the requirements for obtaining a driver’s license in the US. Therefore, you will still need to get an IDP or a driver’s license before your policy expires.

Best Companies for Car Insurance for Foreign Drivers in the USA – Listed

Shopping around and comparing prices from several companies is the best approach to discover affordable vehicle insurance for foreigners in the USA.

Geico, Esurance, and Progressive are some of the biggest car insurance providers in America. They offer competitive rates for drivers with clean driving records who have a valid US driver’s license or an International Driving Permit (IDP).  


Geico insurance is one of the cheapest car insurance companies in America. The firm provides plans for cheap car insurance for foreign drivers in the USA. Geico offers car insurance in all 50 states. It also has insurance agents who speak more than 20 languages


Esurance is another great company to compare rates with. It offers affordable coverage for drivers of all ages, backgrounds, and driving histories! The company specializes in offering personalized policies that can suit individual needs without breaking the bank.  Moreover, Esurance provides online insurance quotes for non-US drivers who are looking to buy a full or temporary policy.  


Progressive auto insurance is yet another popular choice among foreigners who want cheap car insurance deals offered by an American provider. Similarly, it also has a special offer for foreign students and academics who want to get cheap auto insurance when studying at an American university.  

However, the catch with Progressive’s plan is that you have to be enrolled as a student or teacher/researcher at any accredited institution within the United States, Puerto Rico, or Canada during your effective dates of enrollment. You will have 90 days after completing school to convert your policy into another type.  

All three of these providers have call centers that can be reached by dialing # on your phone keypad. Likewise, if you prefer speaking to someone directly, these companies will direct your questions about foreign licenses to representatives who speak English and another language. Additionally, you could also consider Allstate Insurance Company, State Farm Auto Insurance, and Liberty Mutual.  


The bottom line is that there are plenty of car insurance companies out there that offer great rates for foreigners, so it’s important to do your research and compare policies before you decide on a provider. And remember, the best way to get cheap car insurance is to have a clean driving record and be a member of an approved organization (such as AAA). Stay safe on the roads and happy motoring! 

Frequently Asked Questions

Q. Can I insure a car with a foreign license?

You can, however, auto insurance for drivers with international licenses must still fulfill the same standards as insurance for US drivers. Moreover, each state has its own set of driving laws, such as who is responsible for an accident and how much vehicle insurance you must have.

Q. Can I get car insurance without a US license?

Some insurance firms refuse to insure drivers who do not have a valid driver’s license in the United States. However, some insurance companies in the United States do offer policies to international drivers. However, the rates could be greater.

Q. Can a non-US citizen get car insurance? 

If you are not an American citizen, you must apply for an International Driving Permit in order to obtain auto insurance in the United States. Even if you are not a U.S. citizen, most insurance companies will offer you an auto insurance policy as long as you complete the licensing criteria within 60 days.

Q. Can an international driver drive my car? 

Yes, an international driver can drive your car as long as they already have a driver’s license in their home country. However, you must ensure that they are covered by your insurance coverage. If your visitors are involved in an accident while riding in your automobile and are not insured, you will be held liable for the monetary losses incurred as a result of the collision.

most affordable car insurance