For many immigrants living in the United States, owning and driving a car is essential for work, education, and daily life. However, one of the biggest challenges immigrants face is getting car insurance without a Social Security Number (SSN). Many people believe that having an SSN is mandatory to buy auto insurance, but that is not true.
In 2025, several insurance companies in the USA offer car insurance for immigrants without an SSN, including undocumented immigrants, international students, temporary workers, refugees, and new residents. This complete guide explains how immigrants can legally obtain car insurance, which companies accept alternative documents, what coverage options are available, and how to find affordable car insurance without an SSN.
Is Car Insurance Mandatory in the USA?
Yes. In almost all U.S. states, car insurance is legally required to drive. Each state has its own minimum insurance requirements, usually including liability coverage for bodily injury and property damage.
Driving without insurance can result in:
- Heavy fines
- License suspension
- Vehicle impoundment
- Legal penalties
Immigration status does not change these requirements. If you drive in the USA, you must be insured.
Can Immigrants Get Car Insurance Without an SSN?
Yes, immigrants can legally get car insurance in the USA without an SSN. Insurance companies are private businesses and do not require proof of citizenship. Instead of an SSN, insurers may accept alternative identification and tax documents.
Accepted Alternatives to SSN
- Individual Taxpayer Identification Number (ITIN)
- Foreign passport
- Valid U.S. driver’s license
- International driver’s license (in some states)
- State-issued ID card
- Visa or immigration documents
Having an ITIN makes the process easier, but even without it, many insurers still provide coverage.
What Is an ITIN and Why Is It Important?
An Individual Taxpayer Identification Number (ITIN) is issued by the IRS to individuals who are required to file taxes but are not eligible for an SSN. Many immigrants use an ITIN to open bank accounts, file taxes, and apply for insurance.
Benefits of using an ITIN for car insurance:
- Easier approval process
- Access to more insurance companies
- Ability to build insurance history
- Potentially lower premiums over time
Best Car Insurance Companies for Immigrants Without SSN (2025)
Below are some of the best auto insurance companies in the USA that are known to offer policies to immigrants without requiring an SSN.
1. GEICO – Best Overall for Immigrants
GEICO is one of the most immigrant-friendly insurance companies in the USA. It often accepts ITINs and alternative identification.
Why GEICO Is a Good Choice
- Competitive and affordable rates
- Simple online quote process
- Accepts ITIN instead of SSN
- Strong customer service
Best For: Immigrants looking for low-cost insurance with digital convenience.
2. State Farm – Best for Personalized Support
State Farm offers strong local agent support, which is helpful for immigrants who prefer face-to-face assistance.
Key Advantages
- Local agents in most states
- Accepts ITIN and alternative documents
- Flexible payment plans
Best For: Immigrants who want in-person help and guidance.
3. Progressive – Best for New & High-Risk Drivers
Progressive is a popular option for immigrants with no U.S. driving history or limited experience.
Notable Features
- Accepts ITIN
- Snapshot® usage-based program
- Competitive rates for new drivers
Best For: Immigrants with no prior U.S. insurance record.
4. Allstate – Best for Long-Term Coverage
Allstate offers reliable coverage and rewards drivers who stay insured and drive safely.
Benefits
- Accepts ITIN in many states
- Safe driving rewards
- Multiple coverage add-ons
Best For: Immigrants planning to settle long-term in the USA.
5. The General – Best for Undocumented Immigrants
The General specializes in non-standard insurance and is often more flexible with documentation.
Why Choose The General
- Accepts non-traditional IDs
- Covers drivers with no insurance history
- Flexible payment options
Best For: Undocumented immigrants or drivers denied by other insurers.
Minimum Coverage vs Full Coverage for Immigrants
Minimum Coverage
- Cheapest option
- Meets state legal requirements
- Covers damage to others only
Full Coverage
- Includes collision and comprehensive coverage
- Protects your own vehicle
- Recommended for newer or financed cars
While minimum coverage costs less, full coverage provides better financial protection.
Average Cost of Car Insurance for Immigrants Without SSN
In 2025, the average cost of car insurance for immigrants without an SSN ranges between $1,900 and $3,500 per year, depending on:
- State and city
- Driving experience
- Type of vehicle
- Coverage level
- Credit history (if applicable)
New immigrants may initially pay more, but costs usually decrease after 6–12 months of safe driving.
How Immigrants Can Get Cheaper Car Insurance
Here are proven ways immigrants can lower insurance costs:
1. Get an ITIN
This increases eligibility and may reduce premiums.
2. Compare Multiple Quotes
Never choose the first offer. Compare at least 3–5 insurers.
3. Choose a Safe, Affordable Car
Cars with high safety ratings and low repair costs are cheaper to insure.
4. Use Telematics Programs
Safe driving apps can lower rates by up to 30%.
5. Bundle Insurance Policies
Combine auto insurance with renters or home insurance for discounts.
Do Immigrants Need a U.S. Driver’s License?
In most states, yes, you need a valid driver’s license to buy car insurance. However:
- Some states accept foreign or international licenses temporarily
- Many states allow undocumented immigrants to obtain a driver’s license
Always check your state’s DMV rules.
Is Car Insurance Safe for Undocumented Immigrants?
Yes. Insurance companies do not share information with immigration authorities. Buying car insurance does not affect immigration status and does not trigger deportation.
In fact, having insurance:
- Keeps you compliant with state laws
- Protects you financially
- Helps you build a U.S. insurance history
Common Mistakes Immigrants Should Avoid
- Driving without insurance
- Providing incorrect personal information
- Choosing minimum coverage for expensive vehicles
- Not comparing multiple quotes
Avoiding these mistakes can save thousands of dollars.
Final Verdict: Best Car Insurance for Immigrants Without SSN (2025)
Getting car insurance in the USA without an SSN is completely possible in 2025. Immigrants should focus on companies that accept ITINs, offer flexible documentation, and provide affordable coverage.
Best Options Summary
- Best Overall: GEICO
- Best Local Support: State Farm
- Best for New Drivers: Progressive
- Best for Undocumented Immigrants: The General
- Best Long-Term Coverage: Allstate
Always compare quotes, understand your coverage, and drive