Can I Get Car Insurance with a Foreign License?
If you’re new to the United States and driving with a foreign license, you might be wondering whether you can still purchase car insurance. The good news is: yes, you can get car insurance with a foreign driver’s license — but there are a few important factors to consider.
✅ Can You Legally Drive in the U.S. with a Foreign License?
Many U.S. states allow newly arrived immigrants, international students, and tourists to drive legally using their valid foreign driver’s license or an International Driving Permit (IDP). However, this is usually only permitted for a limited time (often 30 to 90 days). After that, most states will require you to obtain a U.S. driver’s license.
Can You Get Car Insurance with a Foreign License?
Yes — many major insurers offer policies to drivers with foreign licenses. However, not all companies do, and those that do may require additional documentation or charge higher premiums.
What You’ll Likely Need:
-
A valid foreign driver’s license (with an English translation if not in English)
-
An International Driving Permit (optional but helpful)
-
Proof of identity and residence (e.g., visa, utility bill, lease)
-
Vehicle information (make, model, VIN, registration)
️ How Much Will It Cost?
Insurance premiums for drivers with foreign licenses are typically higher. This is because:
-
Insurers can’t verify your driving history abroad
-
You may be seen as higher risk due to unfamiliarity with U.S. driving laws
-
You may have limited experience driving in the U.S.
Over time, if you get a U.S. license and build a good driving record, your rates may decrease.
️ Best Insurance Companies for Foreign Drivers
Not all insurers cater to foreign drivers, but some of the more accommodating companies include:
-
Progressive
-
GEICO
-
Allstate
-
State Farm
-
Farmers
It’s a good idea to speak with a local agent who understands how to work with non-U.S. licenses and can guide you through the process.
Should You Switch to a U.S. License?
Absolutely. Once you’re eligible, switching to a U.S. driver’s license will likely lower your premiums and make it easier to renew or switch policies. It also shows insurers you are a long-term, reliable driver in the U.S.
Final Thoughts
Getting car insurance with a foreign license is possible, but it may take more effort and come with higher costs at first. Shop around, compare quotes, and consider working with an insurance agent who specializes in helping international drivers. Most importantly, aim to transition to a U.S. license as soon as you can — it’ll save you money and simplify your coverage options.
