Table of Contents
For international visitors, traveling around the US by car offers unmatched flexibility. From exploring highways that stretch across multiple states to driving in cities where public transport may not be as reliable, renting or owning a car often becomes the most practical option. But with that freedom comes responsibility—especially when it comes to insurance.
The challenge for international visitors and non-US citizens is that American car insurance works differently in many other countries. Driving in the US without car insurance is illegal in nearly every state. Even a minor fender-bender could result in hefty fines, denied claims, and long-term complications if you aren’t properly insured. This guide provides a comprehensive look at car insurance for international visitors and non-US citizens.
Do International Visitors Need Car Insurance in the US?
Legal Requirements Across States
Almost every state in the US requires drivers to carry liability insurance. The exceptions are:
- New Hampshire: Drivers don’t need liability insurance, but must prove they can cover accident-related costs if they occur.
- Virginia: Drivers may opt to pay an annual uninsured motor vehicle fee, but they remain fully responsible for damages in the event of an accident.
Everywhere else, carrying minimum liability insurance is mandatory. Coverage limits vary, but most states require at least:
- Bodily injury liability (per person and per accident).
- Property damage liability.
For visitors, this means you cannot legally drive your own car—or even a rental—without coverage.
Rental Car Situations
Most international visitors rent cars instead of buying them, which makes rental company insurance a key factor. Rental agencies typically offer:
- Collision Damage Waiver (CDW): Covers damage to the rental car itself.
- Liability insurance: Covers damages to other people and property.
- Supplemental insurance: Extra protection for injuries or third-party damages.
Some visitors mistakenly assume their foreign insurance extends to rentals in the U.S. This is rarely the case, so purchasing coverage directly from the rental company (or through a credit card benefit) is usually necessary.
Owning vs. Renting a Car
Longer-term visitors or non-US citizens who buy cars face more complex insurance needs. Unlike renters, they must purchase a standard auto insurance policy like US residents. This requires documents such as proof of address and vehicle registration, which may be challenging for newcomers to obtain.
Challenges for Non-US Citizens and Visitors
No US Driving Record
One of the biggest hurdles international drivers face is the absence of a US driving history. Insurers rely heavily on driving records to calculate risk and premiums. Without this history, international visitors are often considered higher risk—even if they’ve been safe drivers abroad. This typically results in higher premiums.
Limited Documentation
Many insurers require documents that visitors may not have, such as:
- A Social Security Number (SSN) for identity and credit checks.
- A US driver’s license.
- Credit history to assess financial responsibility.
Although some insurers work with foreign license holders, the lack of these documents can limit options.
Language and Policy Complexity
Insurance contracts contain technical terms that can confuse even native English speakers. Language barriers can make it harder for international visitors to fully understand what’s covered, leading to mistakes like assuming liability coverage also protects personal belongings in the car.
Short-Term vs. Long-Term Stays
Insurance needs differ dramatically based on the length of stay:
- Short-term visitors (a few weeks or months): Rental insurance or temporary car insurance is usually sufficient.
- Long-term visitors (a year or more): Likely need a standard auto insurance policy, often tied to a US driver’s license.
Types of Insurance Options for International Drivers
Rental Car Insurance Options
Most international visitors encounter car insurance through rental companies. The most common types are:
- Collision Damage Waiver (CDW): Protects the rental vehicle itself. Without this, you could be liable for the full cost of repairs.
- Liability insurance: Covers injury or damage to others. Required by most states.
- Supplemental liability or personal accident coverage: Additional protection, though sometimes overlapping with existing travel insurance.
Some credit cards also offer rental car insurance benefits if the rental is paid with the card. However, coverage varies by card and may not include liability protection.
Non-Owner Car Insurance
This type of policy covers you when driving a car you don’t own. It’s useful for visitors who frequently borrow cars or rent short-term but don’t need full ownership coverage. Non-owner insurance usually provides liability coverage but not collision protection for the car itself.
Standard Auto Insurance for Foreign License Holders
Some insurers allow non-US citizens to purchase standard policies using a foreign driver’s license and passport. These policies work like traditional auto insurance but often come at higher rates due to the lack of US driving data.
Temporary or Short-Term Car Insurance
In some states, insurers offer policies that last days, weeks, or a few months. These policies are ideal for visitors who purchase or borrow cars for limited stays. However, availability varies widely, so not every visitor can access this option.
Documents Needed for International Visitors to Get Car Insurance
Foreign Driver’s License
Most insurers will accept a valid foreign driver’s license for short-term coverage. Some states also require an International Driving Permit (IDP), which translates your license into English.
Passport and Visa/Immigration Documents
Insurers may ask for a passport and proof of visa or immigration status to verify legal residency and the length of stay.
US Address
A US mailing address is often required, even for temporary visitors. This address can sometimes be a hotel, rental, or family member’s residence.
Vehicle Documents
For those buying cars, proof of ownership, registration, and the Vehicle Identification Number (VIN) are necessary to secure coverage.
How Much Does Car Insurance Cost for Visitors?
Higher Rates for Lack of History
International visitors are often treated like new drivers without a US driving record, so their premiums are usually higher than those of experienced U.S. drivers.
State-by-State Variations
Premiums vary dramatically depending on the state. For example:
- Michigan has historically had some of the highest premiums due to its no-fault insurance system.
- Maine and Idaho generally have lower premiums thanks to smaller populations and lower accident rates.
Rental vs. Owned Vehicle Costs
Rental car insurance is usually more expensive daily but provides simple, immediate coverage. Owning a car requires a full policy, which may be more affordable monthly, but requires stricter documentation.
Tips for Saving on Car Insurance as a Visitor
Compare Multiple Options
Don’t settle for the first option offered by a rental company or insurer. Compare coverage across providers to avoid overpaying.
Use International Driving Permits
An IDP can help secure coverage, as it provides a standardized translation of your license.
Choose Higher Deductibles for Lower Premiums
If you’re confident you can cover small damages, choosing a higher deductible reduces monthly or daily premium costs.
Bundle Coverage When Staying Longer
If you’re living in the US for a year or more, bundling auto insurance with renters or homeowners insurance may unlock discounts.
Use Beem for Personalized Quotes
Platforms like Beem provide personalized car insurance quotes that make it easier for visitors to compare options. Instead of spending hours calling different providers, you can quickly see what insurers are offering for your specific situation.
Common Mistakes International Drivers Make
Assuming Foreign Insurance Covers US Driving
Most foreign car insurance policies do not extend coverage abroad. Without a US-based policy, you may be uninsured.
Not Reading Rental Car Agreements
Rental contracts often include hidden exclusions. For instance, some agreements don’t cover accidents on unpaved roads or outside the state where the rental originated.
Driving Without Coverage in Between Rentals
If you borrow cars in between rentals, you may not be insured unless you have a non-owner policy.
Ignoring State-Specific Rules
Every state has unique requirements. Some demand IDPs, others have specific liability minimums. Ignoring these rules can result in fines or invalid coverage.
Conclusion
Car insurance is legally necessary for international visitors and non-US citizens driving in the United States. There are coverage options for every situation—from short-term rental insurance to long-term auto policies for residents and students. Visitors can save money by avoiding common mistakes and comparing multiple options while complying with state laws.
With tools like Beem, which lets you compare and generate personalized car insurance quotes, international drivers have a practical way to shop smarter and avoid overpaying. Insurance shouldn’t stand in the way of exploring the US. With the right coverage, you can enjoy your time on the road knowing you’re legally protected and financially secure. Download the app here.
FAQs for Car Insurance for International Visitors And Non-US Citizens
Can I drive in the US with my foreign license?
Yes, most states allow you to drive with a valid foreign license for a limited time. However, some states also require an International Driving Permit.
Do I need an International Driving Permit (IDP) for insurance?
Not always, but an IDP is often recommended since it standardizes your license into English, making it easier for insurers to validate.
Can I buy car insurance without a Social Security Number?
Some insurers accept foreign licenses and passports, though your options may be limited and premiums may be higher.
Is rental car insurance enough for short visits?
Yes, in most cases. Rental company insurance provides the coverage required by law and is the simplest option for short-term visitors.
How does Beem help international drivers with insurance?
Beem offers personalized car insurance quotes that allow international visitors to compare their options and find affordable coverage suited to their needs.
