Rohit Mittal is the co-founder and CEO of Stilt. Rohit has extensive experience in credit risk analytics and data science. He spent years building credit risk and fraud models for top U.S. banks. In his current role, he defines the overall business strategy, leads debt and capital fundraising efforts, leads product development, and leads other customer-related aspects for the company. Stilt is backed by Y Combinator and has raised a total of $275M in debt and equity funding to date.
See all posts Rohit MittalBest Car Insurance For Immigrants
Updated on December 27, 2023
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At a Glance
- Top car insurance options for immigrants in the US without a Social Security Number: State Farm, Geico, Progressive, Allstate, and Nationwide.
- Compare prices, coverage, and deductibles to find the best fit for your needs, as getting car insurance can be challenging for newcomers.
- Average premiums for non-resident insurance range from $900 to $2,500 per year, making it essential to explore options carefully.
Table of Contents
Top Car Insurance Providers for Immigrants
Below, we will explore the top car insurance providers for immigrants, considering their availability of coverage without a Social Security Number, average premium costs, included coverage types, deductibles, and extra policy options.
1. State Farm
★★★★★ 5.0
J.D. Power Rating: 817/1000
AM Best Financial Strength Rating: A++
Better Business Bureau Rating: A+
Overview
State Farm is a strong option for immigrants due to their availability of bilingual agents and support in over 20 languages. They also accept foreign driver’s licenses and offer competitive pricing for new drivers in the US. State Farm has a long history and reputation as well.
Services
- Liability coverage
- Collision and comprehensive coverage
- Medical payments/personal injury protection
- Uninsured/underinsured motorist coverage
- Roadside assistance
Pros and Cons
Pros
- Bilingual agents and support in over 20 languages
- Accepts foreign driver’s licenses
- Offers rideshare insurance
Cons
- Reported denies claims more than some competitors
- Rates increase after first accident
2. Geico
★★★★☆ 4.0
J.D. Power Rating: 8/24/1000
AM Best Financial Strength Rating: A++
Better Business Bureau Rating: A+
Overview
Geico is another reputable provider that makes their mobile app available in Spanish and generally offers low rates and numerous discounts that can benefit immigrant drivers. Their primarily online model does mean less availability of local agents for in-person support.
Services
- Liability insurance
- Collision and comprehensive insurance
- Medical payments coverage
- Roadside assistance
Pros and Cons
Pros
- Mobile app available in Spanish
- Low rates and numerous discounts
Cons
- Less local agents than competitors
- Poor reviews for claims process
3. Progressive
★★★★☆ 4.0
J.D. Power Rating: 803/1000
AM Best Financial Strength Rating: A+
Better Business Bureau Rating: F
Overview
Progressive employs easy online tools to find policy savings, which can appeal to immigrants looking to save money on car insurance in a new country. Their name your price tool allows drivers, including those new to the US, to find special discounts tailored to their budget needs.
Services
- Bodily injury and property damage liability
- Comprehensive and collision coverage
- Medical payments
- Custom parts and equipment value coverage
Pros and Cons
Pros
- Name your price tool finds policy savings
- Accident forgiveness available
Cons
- Rates increase drastically after an accident
- Lower J.D. Power claims satisfaction rating
4. Allstate
★★★★☆ 4.0
J.D. Power Rating: 826/1000
AM Best Financial Strength Rating: A+
Better Business Bureau Rating: A+
Overview
Allstate delivers core coverage options that immigrants require, supplements them with accident forgiveness, and backings it all with highly-rated claims service crucial for those navigating insurance in the US for the first time. Mixed customer service reviews do mean immigrants may need to research further to determine if Allstate meets their needs.
Services
- Liability insurance
- Collision and comprehensive coverage
- Rideshare coverage
- Roadside assistance
Pros and Cons
Pros
- Accident forgiveness option available
- Supplemental coverage options
Cons
- Rates increase quickly after claims
- Mixed customer service reviews
5. Nationwide
★★★★☆ 4.0
J.D. Power Rating: 794/1000
AM Best Financial Strength Rating: A
Better Business Bureau Rating: A+
Overview
Nationwide stands out through their ability to provide quotes without requiring social security numbers, which helps drivers like immigrants still establishing their credential history in the America. They cover all basics plus roadside assistance to support those still gaining experience with driving and insurance needs nationally. Their limited agent availability does require weighing accessibility needs.
Services
- Liability protection
- Collision coverage
- Comprehensive coverage
- Uninsured motorist coverage
- Roadside assistance
Pros and Cons
Pros
- Get quotes without social security number
- Good option for rideshare drivers
Cons
- Limited local agent availability
- Difficulties bundling other policies
Top Car Insurance for Immigrants Comparison
| Average Monthly Premium | Average Rating | Coverage | Deductibles | Discounts Offered | |
|---|---|---|---|---|---|
| Geico | $150 | 4/5 | Bodily injury liability, property damage liability, medical payments, personal injury protection, uninsured motorist bodily injury, uninsured motorist property damage, comprehensive, collision | $500, $1000 | Bundling, good student, defensive driving, good payer, federal employee |
| Progressive | $135 | 4/5 | Bodily injury liability, property damage liability, medical payments, personal injury protection, uninsured motorist bodily injury, uninsured motorist property damage, comprehensive, collision | $500, $1000 | Bundling, good student, defensive driving, good payer, distant student |
| State Farm | $163 | 5/5 | Bodily injury liability, property damage liability, medical payments, personal injury protection, uninsured motorist bodily injury, uninsured motorist property damage, comprehensive, collision | $500, $1000 | Bundling, good student, defensive driving, safe vehicle, good driving |
| Allstate | $156 | 4/5 | Bodily injury liability, property damage liability, medical payments, personal injury protection, uninsured motorist bodily injury, uninsured motorist property damage, loan/lease payoff, comprehensive, collision | $500, $1000 | Bundling, good payer, legacy, safe driving |
| Nationwide | $145 | 4/5 | Bodily injury liability, property damage liability, medical payments, personal injury protection, uninsured motorist bodily injury, uninsured motorist property damage, comprehensive, collision | $500, $1000 | Bundling, defensive driving, accident-free, safe driver |
Looking at the information above, each of the top insurance providers bring unique value to immigrants and those without Social Security numbers in the US.
Geico stands out for its affordable rates and numerous discounts, making it an attractive option for immigrant drivers. They also have a mobile app available in Spanish, catering to a diverse customer base. Progressive, on the other hand, utilizes online tools to help immigrants find policy savings and offers the convenience of their “name your price” tool, allowing drivers to tailor their insurance to their budget needs.
State Farm is another strong option, providing bilingual agents and support in over 20 languages. They accept foreign driver’s licenses and offer competitive pricing for new drivers in the US. Allstate, known for its highly-rated claims service, offers core coverage options and supplemental coverage, such as accident forgiveness, which is beneficial for those navigating insurance in the US for the first time.
Nationwide stands out for its ability to provide quotes without requiring a social security number, accommodating immigrants who are still establishing their credential history in America. They cover all the basics, including roadside assistance, to support those who are still gaining experience with driving and insurance needs nationally.
When comparing the average monthly premiums, Geico and Progressive offer the lowest rates, making them budget-friendly options. It’s important to note that insurance premium costs can vary depending on various factors such as driving record, location, age, and vehicle. Therefore, it is advisable to get personalized quotes directly from providers to accurately compare costs before making a decision.
In terms of coverage, all the providers offer the necessary liability insurance, which covers bodily injury and property damage caused to others in an accident. Additionally, comprehensive and collision coverage, medical payments, and uninsured motorist coverage are commonly included. It’s worth considering extra options such as rental reimbursement, roadside assistance, and accident forgiveness when choosing a policy.
Overall, immigrants looking for car insurance in the US have a range of options to choose from. By considering factors such as coverage availability without an SSN, average premium costs, coverage types, deductibles, and extra policy options, immigrants can find the best car insurance plan that suits their needs and budget.
Getting Quotes Without an SSN
The most important factor for immigrants is finding a provider that doesn’t require your SSN to get a quote or insurance plan. All of the major insurance companies above allow non-resident quotes through an Individual Tax Identification Number (ITIN) instead of an SSN.
ITINs are issued by the IRS for tax purposes, but also work for getting car insurance without legal residency. The easiest way to compare plans accurately is by getting quotes online or calling agents with your ITIN, driver’s license details, and vehicle information.
Comparing Average Costs
Insurance premium costs can vary widely depending on your driving record, location, age, vehicle, and other risk factors. On average though, immigrants may pay between $900 per year for minimum coverage policies up to $2,500+ per year for full coverage options from major carriers. Budget-friendly companies like Geico and Progressive tend to offer the lowest rates.
It also helps to take defensive driving courses for possible discounts before getting quotes. Overall, accurately comparing premium costs requires getting personalized quotes directly from providers before choosing a company.
Key Types of Coverage
Beyond premium costs, it’s crucial to look at what coverage types are included and available from each insurer. At minimum, states require liability insurance which covers bodily injury and property damage you may cause others in an accident. For more protection, collision, comprehensive, uninsured motorist coverage, and extra liability limits are highly recommended.
Deductibles
The deductibles you choose also impact premium costs in addition to coverage. Typical options range from $250 to $1,000 for collision and comprehensive deductibles. The right option balances your budget with adequate protection based on your financial situation and the value of your vehicle.
Extra Options
Additional riders like rental reimbursement, roadside assistance plans, accident forgiveness, and usage-based “telematics” programs are worth considering too. Getting quotes with and without them shows if the extra perks are worthwhile for your budget.
Final Thoughts
Finding the best car insurance options for immigrants in the United States requires careful consideration of factors such as coverage availability without a Social Security Number, average premium costs, coverage types, deductibles, and extra policy options. Geico, Progressive, State Farm, Allstate, and Nationwide are among the top insurance providers that offer competitive rates and cater to the needs of immigrants. It is crucial to obtain personalized quotes directly from providers to accurately compare costs and determine the best coverage for your specific situation. By conducting thorough research and understanding your insurance needs, you can make an informed decision and secure reliable car insurance that provides the necessary protection on the roads of the United States.
Learn More
- Best Affordable Dental Insurance For Immigrants
- Best 10 Credit Cards for Immigrants
- 7 Best Immigrant Friendly Mortgage Lenders
Frequently Asked Questions (FAQ)
How can I get car insurance without a social security number?
Major insurance companies allow non-resident aliens to get quotes and policies with an Individual Tax Identification Number (ITIN) instead of an SSN. Be sure to ask agents upfront about ITIN insurance programs when requesting quotes.
Is insurance more expensive for immigrants?
Insurance rates are primarily based on driving history and risk factors. Immigration status itself doesn’t directly raise costs. However, lacks of U.S. driving history can result in higher quotes initially until you build up a good record over the years.
What documents do I need to get insured?
The main documents needed are your ITIN or SSN, valid driver’s license, vehicle registration or title, and proof of address. Some insurers may request immigration records as well during underwriting. Digital ID cards and e-signatures help expedite the application process without paperwork.
Can I get insurance if I only have a foreign driver’s license?
Yes, many insurers accept foreign licenses and will simply verify your driving record from your previous country. The easiest option though is transferring your license to your new state’s DMV which also proves residency.
How much car insurance coverage should I get?
Experts recommend getting more than just basic liability coverage if possible. 100/300/100 liability limits, $500 deductibles for collision/comprehensive, plus uninsured motorist coverage provide relatively affordable protection for most immigrants’ budgets. However, get quotes for higher and lower policy limits to find the best balance for your situation.
Can immigrants get car insurance in the U.S.?
Yes, immigrants can get car insurance in the U.S. Car insurance providers offer policies to individuals regardless of their citizenship status, although specific requirements can vary by insurer and state.
What factors affect car insurance rates for immigrants?
Factors that may affect insurance rates for immigrants include driving history, the type of vehicle, the state of residence, the length of time they’ve been in the U.S., and their U.S. driving experience.
Do immigrants need a U.S. driver’s license to get car insurance?
Most insurance companies require a U.S. driver’s license to issue a policy. However, some insurers may accept an international driver’s permit or a foreign driver’s license for a limited time.
How can new immigrants find the best car insurance?
New immigrants can find the best car insurance by:
- Shopping around and comparing quotes from different insurers.
- Looking for companies that accept international driving experience.
- Considering insurance companies that specialize in serving immigrants.
Are there car insurance companies that specialize in serving immigrants?
Yes, some car insurance companies specialize in or are more accommodating to immigrants, often offering policies that consider international driving records and experience.
Can an immigrant’s driving history from their home country impact their insurance rates in the U.S.?
In most cases, U.S. car insurance companies do not take foreign driving history into account due to difficulties in verifying records. However, some insurers may consider international experience for new immigrants.
What documentation do immigrants typically need to provide for car insurance?
Documentation required can include a driver’s license (U.S. or international), Social Security Number (if available), vehicle registration, and proof of residency.
Is car insurance more expensive for immigrants?
Car insurance can be more expensive for immigrants, especially if they have no U.S. driving history or credit history. Rates tend to decrease as they build their driving and credit history in the U.S.
Can immigrants qualify for car insurance discounts?
Yes, immigrants can qualify for car insurance discounts, such as those for safe driving, good students, multi-car policies, and more, depending on the insurer.
What should immigrants be cautious of when buying car insurance in the U.S.?
Immigrants should be cautious of:
- Insurers that do not accept foreign driving history.
- Higher premiums due to lack of U.S. driving history.
- Policies that don’t provide adequate coverage. It’s important to understand state requirements and choose a policy that meets both legal and personal needs.
Rohit Mittal
Rohit Mittal is the co-founder and CEO of Stilt. Rohit has extensive experience in credit risk analytics and data science. He spent years building credit risk and fraud models for top U.S. banks. In his current role, he defines the overall business strategy, leads debt and capital fundraising efforts, leads product development, and leads other customer-related aspects for the company. Stilt is backed by Y Combinator and has raised a total of $275M in debt and equity funding to date.