If you’re driving abroad or just moved to a new country, one of the first things you’ll need is car insurance. But here’s the catch — finding car insurance quotes for international license holders isn’t always straightforward. Coverage, prices, and requirements can vary widely depending on what country you are driving in.
This article will give you all of the information you need to get car insurance with either an international or foreign driving license including what documents you will need to provide, and the best way to get quotes.
What Does “Car Insurance Quotes for International License” Mean?
When we talk about car insurance quotes for international license, What we're discussing are insurance plans for individuals with a driver's license from one country and who are going to be driving in another country.
Insurance companies may treat foreign license holders in a unique way, as the new country's insurance provider won't have access to that individual's previous driving history. That is why it's important to explore accurate and fair quotes prior to operating a vehicle.
You might be wondering can you have an Insurance quote without a VIN? The answer is simple and explained so that anyone can understand easily.
Why It’s Harder for International License Holders
Getting car insurance quotes for international license holders due to a range of factors:
- Limited local driving history - Often insurers have no way to verify your driving records in ‘your' home country.
- Extra paperwork - You may need to show your home license, International Driving Permit (IDP), and translated copies.
- Temporary residency - Some insurers only offer coverage for permanent residents.
- Higher perceived risk - Since they have no data to confirm your driving experience, insurers will assume you are a new driver and charge based on that.
That being said, larger companies, like State Farm and Liberty Mutual, do offer coverage for international drivers under certain situations.
How to Get Car Insurance Quotes for International License
Here is a step-by-step delineation to aid in making this easier:
1. Collect the Materials You Will Need
You will most likely need:
- A valid driver's licence from country of residence
- An International Driving Permit (IDP)
- A Government-issued identification, like a passport or visa
- Proof of residence (if applicable)
2. Search for Insurance Providers That Cover Foreign Licenses
Several companies specialize in international drivers’ coverage in the U.S., which you can reach out to for coverage—even to get quotes on your own—while other insurance brokers might sell international coverage too. Additionally, MoneyGeek recently published a list of American insurance providers that will accept an international driving permit.
3. Get More Than One Estimate/Comparison Quote
Don’t just go with a first estimate you get. Companies assess our risk differently—adding a single quote could mean a difference of hundreds of dollars.
4. Ask Questions about Coverage Types
You are typically required to buy liability coverage, and collision and comprehensive coverage, and certainly any coverage that your local government laws dictate.
5. Be Aware of Additional Charges
Several companies place a low "foreign licence" charge if you exhibit background data usage within your account by the 3rd month. After you obtain a local licence, you can often remove the foreign licence charge.
6. Contact Your Insurance Provider About Getting a Local Licence
Switching to a local license gives you an opportunity to retrieve money back and usually helps to keep your premium lower when you renew it.
Tips for International License Holders
If this is your first time driving internationally, here is the Tips for International License Holders:
- A driver providing accommodation will always want you to disclose your licence type,
- if you have an international driving permit, to use that information too (note that an IDP does not give you a licence).
- You can inquire whether your driving experience abroad could also be recorded.
- It is usually advisable to find a broker who works specifically with expats or short term drivers insurance.
- If you are crossing borders (like in Europe), check if :you insurance coverage is international or have a Green Card certificate.
- In all cases have your licence, IDP, passport and proof of insurance when driving.
Why Comparing Quotes Is Worth It
Insurance prices for car insurance quotes for international license holders can vary more than you think. One insurer may see you as a first-time driver, and charge you higher premiums, while another insurer may consider your experience from driving abroad instead.
If you collect and compare at least 3-5 different quotes, you will know what is fair, and may even find a better coverage option that may fit your need and budget.
Conclusion
Getting car insurance quotes for international license holders doesn’t have to be complicated. Make sure you have the right paperwork, do your homework and you understand what each plan covers before you sign on the dotted line.
With some due diligence and the buy-in from the right company, you can travel freely anywhere you want without worry.
Frequently Asked Questions (FAQ's)
1. Am I able to obtain coverage for my car if I only possess an international driver's license?
Yes, many insurance carriers will allow you to get insurance with either your license back home or an IDP. Liberty Mutual and State Farm are two insurance providers that allow for this.
2. Will they take my driving history from my foreign driver's license into account?
Not all the time. Some insurance companies will not provide a verifiable foreign driving history. Therefore, they will categorize you as a new driver.
3. Are my rates increased since they classify me as an international driver?
Typically, yes, at least initially. Your rates could drop, after being insured in the U.S. or obtaining a local driver's license.
4. What happens when I have a local driving license?
Call your insurance provider and let them know. This will allow you to be eligible to obtain a lower insurance rate.
5. Will my insurance apply in foreign countries?
If you are traveling to a specific part of Europe, or some other places, some insurance companies may allow you to have cross border insurance. Always check with your insurance company before leaving.
