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Auto Insurance for Foreign Drivers in the U.S.

Do You Need Auto Insurance as a Foreigner in the U.S.?

Foreign drivers in the U.S. must adhere to the same auto insurance laws as U.S. citizens. Your driving history from another country does not apply in the U.S., so you are treated as a new driver. Car insurance requirements vary by state, so it’s essential to understand the specific rules where you will be driving.

Here are some scenarios where you might need U.S. auto insurance:

• Visiting the U.S. on a business trip
• Touring the U.S. as a tourist
• Attending school in the U.S.
• Living in the U.S., even temporarily

How to Get Auto Insurance with a Foreign Driver’s License

If you have a foreign driver’s license and plan to stay in the U.S. for an extended period, follow these steps to obtain auto insurance:

1. Determine if you can use your foreign driver’s license or if you need an international driving permit (IDP).
2. Search for insurance companies that offer coverage to non-U.S. drivers.
3. Identify the type of coverage you need based on your driving status and the state requirements.
4. Compare quotes from at least three insurers to find the best rate.

How Long Can You Use a Foreign License in the U.S.?

The duration you can use a foreign license in the U.S. varies by state. Generally, you can drive with a foreign license for three months or an IDP for one year. If you plan to stay longer, you will likely need to obtain a U.S. driver’s license.

To get a state-issued driver’s license, check the requirements of the state where you reside. This process may involve bringing your foreign license to the DMV, submitting an application, and possibly taking a driving test.

Do I Need an IDP to Drive in the U.S.?

Not all U.S. states require an IDP, but having one can allow you to drive legally for up to one year. An IDP must be obtained from the motor vehicle department of your home country and is valid for one year from the date of issue.

The Bottom Line

Navigating U.S. car insurance requirements with a foreign driver’s license can be complex. Remember that rules vary by state and insurance company, so ensure you understand the regulations before driving.

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