Car Insurance Without a Social Security Number
You can obtain car insurance without a Social Security number (SSN) by using alternative identification methods such as an Individual Taxpayer Identification Number (ITIN) or a valid driver's license.
How to get a car insurance quote without an SSN
It is possible to get car insurance without a Social Security number, but availability may vary by location and insurance company. Finding auto insurance without a Social Security number is easier if you compare rates from multiple insurers, as some car insurance companies will be more lenient than others.
Let’s review a few tips for getting insurance without a Social Security number.
Why car insurance companies need your Social Security numberÂ
Car insurance companies request potential customers' Social Security numbers because it is the easiest way to access vital information about the insured. Insurers use a driver's SSN to gather information such as their driving record, age, and marital status, each of which is an important factor in setting rates. While insurance companies can find this information by querying an applicant's name and address, having a driver's social security number on file simplifies the process.Â
Insurers also use Social Security numbers when running credit reports to assess credit history. In most U.S. states, credit is a major determinant of how much insurance costs. A poor credit score may lead to a higher rate.Â
How to buy car insurance without providing a Social Security number
It's possible to get car insurance without a Social Security number, but availability varies from company to company. Some insurance companies only require a driver's license in order to obtain coverage. The tricky part is getting your license without a Social Security number. Most states require drivers to have an SSN in order to obtain a license.
Unless you are a foreign citizen operating with a drivers license from your country of residence, you may struggle to find coverage in the U.S.
Driver's license without a Social Security number by state
Car insurance is regulated at the state level. As of 2021, 16 states allow unauthorized immigrants to obtain driver's licenses without a Social Security number. While a Social Security number is not necessarily required for car insurance, a driver's license is almost always required.
Each state may have additional insurance requirements, such as proof of a foreign driver's license or in-state tax returns. Some states allow drivers to apply for a license with an Individual Taxpayer Identification Number (ITIN). This route may be used by non-resident and resident aliens who do not have Social Security numbers.
Visit the IRS website to obtain an ITIN and contact your state's Department of Motor Vehicles for more information on eligibility.
No License Car Insurance
While it is possible to get car insurance without a license, it is often more difficult and expensive. Learn how to increase your odds of getting auto insurance as an unlicensed driver.
Finding car insurance without a social security number
The first step toward getting auto insurance without a Social Security number is to contact your state's DMV to obtain a driver's license.
Next, compare insurance rates. Every insurance company has its own policy guidelines regarding which clients it will and will not insure. The easiest way to find a car insurance policy without an SSN is to consult an independent insurance agent with contacts at multiple insurance companies.
You can do that with The Zebra by calling us at 888-444-8949 — press 1 to speak directly with an agent.
Compare quotes from over 100 providers.
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.