Can Foreign License Holders Obtain Auto Insurance?

Can a foreign national obtain auto insurance?

Vehicle insurance relocation for foreign driversBut moving abroad comes with a whole different set of challenges. Ensure that your foreign license is accepted by your auto insurance; this is one item that might not have made up to your list yet.

foreign license, auto insurance

I have a succinct but encouraging update. Depending on the insurance company, you might be able to obtain auto insurance with a foreign license if you move to the US and either carry your current vehicle with you or purchase one there.

Our team will provide you some advice on how to go about getting a U.S. auto insurance coverage that best fits your needs and circumstances in order to reduce the complexity around auto insurance with a foreign license.

vehicle insurance for international drivers

Let’s begin by discussing the type of license you currently hold. The majority of foreign travelers to the US typically have either their national driver’s license or an international driver’s permit (IDP) on them.

In addition to a driver’s license, auto insurance is required for anyone who owns a vehicle in the US. Regardless of how long you plan to stay, most states require you to obtain auto insurance in order to drive.

Let’s look at the distinctions between a quick trip and a longer stay in the US from the standpoint of auto insurance. If you plan to be here for a short while, you might want to consider renting a car from a company and researching your options for auto insurance. These are usually rather basic and meant mainly for short stays to the United States.

If your goal is to stay longer or move here permanently, get a policy with a U.S. auto insurer.

Depending on where you are from and where you intend to move, you might be able to obtain insurance using your foreign license. It’s important to realize that you must be listed as the vehicle’s owner in order to obtain insurance.

It’s important to keep in mind that not all insurance companies will cover those with foreign licenses, so do your homework and ask questions before committing to any insurance plan. I have some good news to share! covers drivers moving to Arizona or Rhode Island who have international driver’s licenses.

insurance requirements when utilizing a foreign license

Insurance is an interesting topic, and although we occasionally wish it were available everywhere, driver’s auto insurance is frequently governed by state-specific laws. It’s imperative to use your local or state resources to determine what coverages—from liability to comprehensive—you’ll need for your auto insurance policy.

For example, Arizona law requires you to have at least $25,000 in bodily injury liability coverage per person and $50,000 per accident. Furthermore, your property damage liability coverage must be at least $15,000.

Our viewpoint? It is a good idea to consider expanding your insurance policy’s coverage beyond what is required. An auto insurance policy that offers liability, comprehensive, collision, uninsured/underinsured, and personal injury protection (PIP) may protect you, other persons, and your car.

How to purchase auto insurance in the US.

As previously mentioned, depending on how long you plan to stay and whether you currently own a car or wish to buy one, you can obtain insurance through an auto insurance company or through a car rental. Getting a quote is the next step, if you have already selected an insurance company.

A car insurance quote shows you the coverages you could be able to add to your policy based on a few important variables, such the type of car you drive, where you live, and other relevant information. Sometimes you’ll work with an insurance agent to finish your coverage. Regardless of how you receive coverage, we recommend that you confirm all local, state, and DMV information before you drive on American roads.

You might consider getting telematics-based auto insurance if you want to save even more money. We look for careful drivers who don’t use their phones while driving, and we provide them monthly savings on their auto insurance. People who live in Arizona and Rhode Island may be able to do this. If you’re ready to find out more, let’s talk!

Scroll to Top