If you’re a driver with an international driving record, securing car insurance in the U.S. can be challenging but is certainly possible. Insurance companies typically assess driving history to determine risk, and many U.S. insurers prefer local driving records. However, having an international driving record shouldn’t disqualify you from obtaining coverage.
Some insurers offer policies specifically tailored for drivers with foreign driving experience, recognizing the value of your safe driving history abroad. When applying for car insurance in the U.S., you may need to provide additional documentation, such as an International Driving Permit (IDP), a translated driving record, or a letter from a foreign insurance company proving your claims history.
Understanding How an International Driving Record Affects Insurance Rates
When you arrive in the U.S. with an international driving history, your insurance company may have limited information about your driving habits and experience. Most U.S. insurers rely heavily on your driving history to determine your rates, and the lack of a domestic record can make you seem like a higher risk.
Here’s how an international driving record may impact your car insurance:
- Limited History: U.S. insurers may not consider foreign driving experience unless provided in detail, such as accident-free years or safe driving records.
- Higher Premiums: Without a history, insurers may classify you as a new driver, which could mean higher premiums, especially if you have no U.S.-based record.
- Documentation Challenges: Some countries use different formats for driver’s licenses or records, making it harder to prove your experience.
- Insurance Verification: Some insurance companies may require foreign driving records to be translated or authenticated.
Key Requirements for Drivers with International Records
When applying for car insurance in the U.S. with an international driving record, here are some essential steps and requirements:
Driver’s License
You’ll need a valid U.S. driver’s license to purchase car insurance. Most states require new residents or international visitors to exchange their foreign driver’s license for a local one within a certain period.
- International licenses (such as an International Driving Permit (IDP)) can be used for a limited time, typically 30 to 90 days before you must obtain a local license.
Proof of Driving Experience
Insurance companies will want to know how long you’ve been driving and whether you have any accidents or violations in your history.
- Contact your home country’s Department of Motor Vehicles (DMV) or equivalent agency to get a certified driving record.
- Some insurers may accept translated or notarized documents showing your driving history.
Credit Score (U.S. Based)
In the U.S., insurers often check your credit score as part of their risk assessment. If your score is low or you don’t have one, it could impact your premiums, especially if you don’t have a local driving history.
- Building a U.S. credit score as quickly as possible will help you secure better rates.
Best Insurance Providers for Drivers with International Records
While obtaining car insurance as a driver with an international record may seem complicated, several insurance providers in the U.S. specialize in offering coverage to foreign-born drivers. Here are some top providers that cater to this group:
Geico
Geico is one of the most internationally friendly insurers. It provides coverage for drivers with foreign records and offers flexible options, including the ability to adjust coverage for those with limited U.S. driving experience.
Progressive
Progressive is another large insurer that may be open to considering international driving records. They also offer a range of discounts, including multi-policy and bundling discounts, which can help offset the higher premiums typically associated with limited U.S. driving history.
Allstate
Allstate has a comprehensive international driver program that offers competitive rates and good customer service. They work with drivers from all backgrounds and may be more likely to accept foreign driving records if appropriately presented.
State Farm
State Farm is known for working with drivers new to the U.S. and may offer customizable options for those with international experience. They also have agents who can help explain the process and assess your driving record.
The General
The General is a good option for drivers who may have limited domestic driving history. It offers affordable coverage and quick approval for international drivers.
Factors That Affect Insurance Rates for International Drivers
Several factors can influence your car insurance rates when you have an international driving record. Here are the main variables:
Driving Experience
The longer you have been driving safely abroad, the better your chances of securing affordable insurance. Insurers often offer discounts for years of accident-free driving.
State Requirements
Each state has its regulations and requirements for drivers with international licenses. Some states may require a more extended probationary period or specific documentation, which could impact your insurance eligibility.
Type of Car
The make, model, and age of your vehicle also affect insurance rates. Luxury cars or high-performance vehicles tend to cost more to insure, regardless of your driving history.
Location
Where you live is another crucial factor. If you live in a high-risk area for accidents or theft (like a major metropolitan city), your rates could be higher. Some states, like Michigan, are known for higher insurance costs due to personal injury protection (PIP) requirements.
Driving History in the U.S.
If you’re a new resident and haven’t accumulated any driving history in the U.S., this may result in higher rates. However, some insurers offer low-cost options for new arrivals.
Frequently Asked Questions
Can I get car insurance with an international driving record?
Yes, many insurers offer coverage for drivers with international driving records, though you may need to provide extra documentation.
Do I need an International Driving Permit (IDP)?
An IDP is often required, especially if you’re new to the U.S. It translates your foreign license into English for easier verification.
How does my international driving record impact my U.S. car insurance rates?
Some insurers may offer lower rates if your international driving history shows a good record, while others may consider you a higher risk.
How can I prove my foreign driving experience?
You may need to provide your original foreign driving record, an IDP, or a letter from your previous insurer.
Can I get discounts for a clean international driving record?
Yes, some insurers may offer discounts for drivers with clean records, even if they are from a foreign country.
Will my foreign driving history affect my coverage options?
It might, depending on the insurer. Some may offer limited coverage options for drivers without a U.S. driving record.
What documents are needed for car insurance with an international driving record?
You’ll likely need your IDP, foreign driver’s license, and proof of your driving history or previous insurance.
Are there specific insurance providers for international drivers?
Yes, some providers like Geico, Progressive, and Allstate are more accommodating for drivers with international records, but it’s best to shop around.
Conclusion
Getting car insurance as a driver with an international driving record may require extra steps, but it’s entirely feasible. By presenting your international driving history, an IDP, and other necessary documents, you can secure coverage that meets your needs. Some insurers offer special policies for drivers with foreign records, so it’s important to compare your options. While your international record can impact your rates and coverage, many providers will recognize the value of a clean driving history abroad. Take the time to research and communicate with insurance companies, and you’ll be on your way to securing the right coverage at a competitive price.
