Getting car insurance for non-U.S. citizens is important if you want to drive legally while in the United States. However, getting auto insurance as a citizen of another country is a process. Read on to find out how to get car insurance whether you are in the U.S. for business or pleasure.
What Will You Need to Get Auto Insurance in the U.S.?
To get auto insurance in the U.S. if you are not an American citizen, you need to apply for an International Driving Permit. Most insurance companies will sell you an auto insurance policy even if you are not a U.S. citizen, so long as you meet the licensing requirements within 60 days.
What Is an International Driving Permit?
According to Motor1, an International Driving Permit allows you to drive temporarily in countries that accepts it, such as the U.S. The IDP, as it is also called, is valid in over 150 countries and is available in nine different languages.
Can You Buy Car Insurance for Your Vehicle if You Are not a U.S. Resident?
If you can meet the U.S. licensing requirements within 60 days, most insurance companies will issue you a standard policy even if you have a foreign license, says Autoinsurance.org. However, some companies have stringent rules that prohibit issuing auto insurance to drivers with a foreign license.
If you’re looking to get a license without being a citizen of the U.S., you can use online resources to prepare for a driving exam. If you can’t meet the licensing requirements after 60 days, the insurance company will cancel your policy and refund your payment.
To easily find auto insurance, first get a U.S. driver’s license. Most states do not require you to be a citizen to issue you a driver’s license, but you might need to be a resident.
How Can You Establish Residency in the US?
There are several ways to establish residency in the U.S. to get a valid driver’s license, including:
- Trading in a state
- Working legally
- Enrolling your kids in public school
- Living in a state for more than 30 days
What Policy Can You Get If You Cannot Buy a Traditional Insurance?
if you’re not eligible for a regular auto insurance, you can get a specialized short-term policy until you meet the eligibility requirements .
How Can I Get Auto Insurance Without an International Driving Permit?
According to Carinsurance, you will need to get a driver’s license in your state of residence if you don’t have an international driving permit. This is because the United States does not issue international driving permits for people in the country.
Should You Get a Short- or Long-Term Auto Insurance If You Are not a U.S. Resident?
A short-term insurance policy for non-U.S. citizens is ideal for people who will be renting a car while in the United States. If you plan to rent a car while visiting United States, make sure your foreign driver’s license is valid for the period of your visit. Your car rental company will sell car insurance for the car you will be driving.
If you are visiting the United States for a long period, such as for work or study purposes, you need to get a long-term auto insurance policy.
What Are the Benefits of Obtaining a U.S. License?
The following are the benefits of getting a U.S. driver’s license according to Motor1:
Clean Driving Record
Since you are starting with a clean driving record, getting a U.S. license allows you to build up your driving history with no blemish.
Lower Insurance Premiums
Having a U.S. license can reduce your insurance premium over time. If you don’t have a U.S. driver’s license, it will be difficult for insurance companies to access your driving record and credit score. As a result, insurance companies will view you as a high-risk customer and increase your rates.
Why Is It Important to Always Check with Your Insurance Company?
It is vital to periodically check in with your insurance company because they change their guidelines and regulations regularly. Checking with them at intervals will let you know of the latest policies that meet your needs and allow you save money on car ownership costs, says Autoinsurance.
What Is the Best Way to Get the Most Affordable Insurance Option?
The best way to get the most affordable insurance option is to use online rate comparison tools. These tools allow you to compare premiums for different coverage levels from a wide range of insurance companies, and they also provide instant quotes. With these tools, you will have no problem finding the most affordable insurance policy that meets your needs.
Can You Drive in the U.S. if You Are not a Citizen?
Non-U.S. citizens can drive in the U.S. if they have an international driving permit. To drive a vehicle in the U.S., this document is required in order to have auto insurance.
What Will You Need to Drive in the U.S. as a Non-resident?
If you want to drive in the U.S. as a non-resident, you have to get non-resident insurance. If you have a foreign driver’s license but you’re not a U.S. citizen, you must apply for an international driving permit to drive legally in the United States.
Where Can You Obtain an International Driving Permit?
According to Motor1, you must apply for an international driving permit before you start your trip because you can’t get one once you are in the United States. All you have to do is fill out an application, pay a fee, and provide identification to be issued the permit. The requirements may differ by country, but you’ll probably need to visit the post office, the police station, or other government agency to get your permit.
What Is the Validity of an International Driving Permit?
International driving permits typically last for a year. However, some countries issue IDPs with shorter validity periods. Note that your international driving permit will become invalid once your driver’s license from your home country expires.
What Are the Other Ways to Apply for International Driving Permit for Non-U.S. Residents?
You might be able to get an international driving permit by mail. However, doing so is not advisable because it takes more time, and the postage is often very expensive.
Check out this guide if you need additional information, resources, or guidance on car insurance.
Sources:
https://www.motor1.com/reviews/409150/car-insurance-for-non-us-citizens/
https://www.autoinsurance.org/is-there-auto-insurance-for-non-us-residents/
https://www.carinsurance.com/kb/can-I-buy-and-insure-a-car-with-an-international-license.aspx
https://www.caranddriver.com/features/a27466574/international-driving-permit/
https://www.caranddriver.com/research/a32766803/do-you-need-a-license-to-buy-a-car/
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