Most states have laws requiring auto insurance. Finding auto insurance can be tough if you are not an American citizen. We’ll cover the five most often asked queries about obtaining vehicle insurance for non-citizens of the United States in this article.
What Is An International Driving Permit?
An international driving permit (IDP) is a document that enables travelers to drive in any nation that accepts it. States in the US accept IDPs, despite different legislation regulating driving rights.
It is a good idea to acquire both an IDP and a driver’s license from your home country before you enter the United States. You need to have both an IDP and a foreign license to be able to drive in several states.
You won’t need to take a driving test to get your license in the U.S. if you have both of these licenses, even if the state in which you will be relocating does not require an IDP. Consequently, getting an IDP is usually advised.
Where Am I Able To Get An IDP?
You can apply for an IDP through the transportation department of your nation if you are at least 18 years old and have a license that is currently valid. The department should be able to tell you how to get your IDP and might charge you a modest fee to do so.
Can I Rent A Car Instead Of Buying Car Insurance?
It makes sense for you to rent a car if your trip to the US will last less than a month. You can drive a rental automobile if you have an IDP, and rental car firms provide extra liability insurance for drivers from other countries.
Allstate claims that rental car companies typically offer three different types of automobile insurance to non-U.S. citizens.
1. Liability insurance: covers you if you are at fault for someone else’s injuries or damage to their property.
2. Personal effects coverage: protects your belongings in the event that they are taken from your car, including your laptop and suit.
3. Personal accident insurance: If you are hurt in a rental automobile accident, this sort of coverage assists in covering your and your passengers’ medical expenses.
Asking someone in the US whether you might borrow their car would be another option if you’d prefer not to rent a car. You do not need to bother about getting insurance if the car is already covered.
Both of these choices are not advised if your stay in the United States is expected to be prolonged.
How Much Insurance Is Required In the U.S.?
What kind of insurance is necessary to operate a motor vehicle is determined by each state. The majority of states mandate a minimum level of liability auto insurance, which covers the costs of treating injured third parties and repairing their property after an accident in which they were at fault.
You will probably also need to pay for collision insurance and comprehensive auto insurance if you intend to lease or finance your vehicle. Your car is covered by collision insurance if it is damaged in an accident. Your car is covered by comprehensive insurance if it sustains damage that isn’t caused by an accident, like damage from theft, vandalism, animals, or natural catastrophes.
Do I Have To Have A U.S. License To Be Insured?
Non-citizens do not require a U.S. license in order to get auto insurance. But it is wise to obtain a U.S. license if you intend to stay in the U.S. for an extended period of time. The following are some advantages of getting a U.S. license:
A. Lack of prior driving experience: It’s unlikely that your prior driving experience will translate to driving in the United States. Car insurance could therefore be very costly for you. You can start to increase your driving experience and lower your premium with a U.S. license.
B. Insurance premium cost: Over time, having a U.S. license lowers your insurance cost. Insurance companies have a hard time seeing your driving history and credit score without a U.S. driver’s license. Your rates go up as a result.
How much will my auto insurance be?
Non-citizens’ costs for auto insurance vary depending on a number of variables, such as:
model of your car
Your knowledge of driving you’re in
The average cost of auto insurance per year in 2017 was $1,004.68. This information comes from the Insurance Information Institute. Unfortunately, until they start driving with a U.S. driving license, international drivers are not typically seen as having any driving expertise. Your rate will most certainly be much higher than $1,004.68 as a result.