Can you get car insurance without a social security number (SSN)? Let's explore the options.
It is possible to get car insurance without a SSN — but availability may depend on your location and your insurance company of choice. Car insurance laws are enforced at the state level and may vary based on where you live. Finding auto insurance without a social security number will be easier and more affordable if you shop thoroughly, as some car insurance companies will be more lenient than others. Let’s explore tips for getting insurance without a SSN.
Car insurance is regulated at the state level. Below are the 12 states that allow “unauthorized immigrants” to obtain a driver's license. These are the states in which you can get a driver's license without a social security number. While a SSN is not necessarily a car insurance requirement, a driver's license almost always is necessary.
Each of these states may have other requirements, such as proof of a foreign driver's license or in-state tax returns. Some states allow you to apply for a driver’s license with an Individual Taxpayer Identification Number (ITIN). This route may be used by nonresident and resident aliens who cannot get a social security number. Visit the IRS website to obtain an ITIN and contact your state's Department of Motor Vehicles for more information on eligibility.
Why is a driver's license required for car insurance?
Auto insurance companies use your driver's license to run the driving history checks that influence your premiums, along with factors like your history, location, and vehicle make and model.
The first step toward getting auto insurance without a SSN is to contact your state's DMV to obtain a driver's license.
Next, shop around. Every insurance company has its own policy guidelines regarding who they will and will not write policies for. The easiest way to find a car insurance policy without a SSN is to consult an insurance agent who maintains relationships with multiple insurance agencies. You can do that with The Zebra by calling us directly at 888-444-8949 — press 1 to speak directly with an agent.
If you're interested in viewing car insurance quotes without submitting your social security number or personal information, you can do that online. Submit your zip code in the widget below and click "Start" to get car insurance quotes from top companies.