Can illegal immigrants get auto insurance?

Usually, illegal immigrants can't get auto insurance without a valid driver's license, and there are only 15 states plus Washington D.C. that will issue one. However, there are some companies that will allow illegal immigrants to buy car insurance without a driver’s license or with a foreign license. Driving without auto insurance will lead to fines, possible jail time, and possible deportation.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Feb 11, 2021

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A Concise Overview

  • In most cases, you have to have a valid U.S. driver’s license to get auto insurance
  • 15 states plus Washington D.C. allow undocumented immigrants to get a driver’s license
  • Some car insurance companies will offer coverage without a driver’s license
  • Driving without auto insurance can lead to fines, license suspension, and possible jail time

Generally, illegal immigrants can’t get auto insurance if they don’t have a valid driver’s license. Currently, there are 15 states plus Washington D.C. that will allow illegal immigrants to get a driver’s license.

There are some car insurance companies that will sell insurance to undocumented immigrants although they can be hard to find and it depends on what state you live in.

You may need high-risk auto insurance due to the fact that you don’t have a driving record in the U.S.. We can help you shop around to find the cheapest car insurance.

Once you have a valid driver’s license, you can enter your ZIP code to compare auto insurance rates for undocumented immigrants to find the best deal.

When can illegal immigrants get auto insurance?

In general, a valid driver’s license is required to purchase car insurance. But, can illegal immigrants buy car insurance at all?

There are several instances where illegal immigrants can get car insurance. First, there are states that will issue a driver’s license no matter your status.

States that allow illegal immigrants to get a valid driver’s license are California, Colorado, Connecticut, Delaware, Hawaii, Illinois, Maryland, New Jersey, New Mexico, New York, Nevada, Oregon, Utah, Vermont, Washington, and D.C.

Second, some car insurance companies don’t ask for a driver’s license and will also extend auto insurance coverages to drivers with no valid driver’s license. These companies include Alliance United, Bristol West, Farmers Group, and Infinity P&C.

If you don’t live in one of the 15 states that will issue a driver’s license, you might still be able to get one through the Deferred Action of Childhood Arrivals (DACA) program. You will need to check with your state to see if you are eligible.

There are also some companies that will offer insurance with a foreign driver’s license if you have one.

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What should illegal immigrants do if they can’t get auto insurance?

Some other options for people who can’t get car insurance would be to use public transportation or carpool with other drivers.

If you are unable to secure auto insurance, don’t take the risk of driving without insurance.

According to the Insurance Information Institute, 13 percent of drivers in 2018 were uninsured. If you are caught, you face fines, possible jail time, and possible deportation. You would also be liable for any damages from an accident you caused without auto insurance.

Some states such as New Jersey and California also offer low-cost auto insurance if the price is the reason you don’t have insurance. Check with your state to see what is available to you.

If cost is stopping you from getting auto insurance, shop around to find the best deal.

Enter your ZIP code to compare auto insurance quotes for illegal immigrants once you have your driver’s license.

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