Best Auto Insurance Companies That Don’t Ask for Your SSN (2022)
Finding auto insurance companies that don't ask for an SSN is difficult since your SSN is used to check your credit score. Drivers with poor credit can pay an extra $165 a month for auto insurance. If you do find auto insurance companies that don't ask for an SSN, your rates may be higher since it is more difficult to get specific information about you.
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UPDATED: Jun 29, 2022
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Table of Contents
- Most auto insurance companies want your SSN to check your credit
- Poor credit can cost you an extra $165 a month on average
- If you don’t give your SSN, your auto insurance rates will be higher
Even the best auto insurance companies out there will want to know your social security number (SSN). Your SSN is a nine-digit number that is unique to you and contains your personal information.
Finding auto insurance companies that don’t ask for an SSN is almost impossible since your SSN allows insurance companies to get very specific information about you.
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Keep reading to learn more about auto insurance companies that don’t ask for an SSN. Enter your ZIP code now to compare free quotes from affordable auto insurance companies in your area.
Table of Contents
Why do auto insurance companies need your SSN?
Many factors affect your auto insurance rates, such as your driving record, age, and credit score. Your personal factors will determine how much of a risk you are to insure.
Why do auto insurance companies need your social security number?
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Your SSN is very personal to you and can give your insurance company very specific information. That’s why it is pretty much impossible to find auto insurance companies that don’t require an SSN.
The main way auto insurance companies use your SSN is by checking your credit.
According to the Insurance Information Institute, the insurance company will not only look at your credit score but also other credit characteristics such as if you make payments on time.
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Auto insurance companies believe that a higher credit score means a driver is less likely to file a claim and will be more willing to pay for damages out of pocket.
This table shows you just how much your credit score can affect your auto insurance rates with the top insurance companies:
| Company | Good Credit Rating | Fair Credit Rating | Poor Credit Rating |
|---|---|---|---|
| Allstate | $3,859.66 | $4,581.16 | $6,490.65 |
| American Family | $2,691.74 | $3,169.53 | $4,467.98 |
| Farmers | $3,677.12 | $3,899.41 | $4,864.14 |
| GEICO | $2,434.82 | $2,986.79 | $4,259.50 |
| Liberty Mutual | $4,388.18 | $5,604.24 | $8,802.22 |
| Nationwide | $2,925.94 | $3,254.83 | $4,083.29 |
| Progressive | $3,628.85 | $3,956.31 | $4,737.64 |
| State Farm | $2,174.26 | $2,853.00 | $4,951.20 |
| Travelers | $4,058.97 | $4,344.10 | $5,160.22 |
| USAA | $1,821.20 | $2,219.83 | $3,690.73 |
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Drivers with a poor credit score can pay an average of $165 a month more than drivers with a good credit score.
Can I find no SSN auto insurance near me? If you want to go with one of the top insurers, the answer is no. If you do manage to find a company that doesn’t request your SSN, your rates will be more expensive.
What insurance companies will insure you without an SSN? The answer is very few since insurance companies want to know your personal information. For many auto insurance companies, giving your SSN is a requirement.
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Although you may be able to find quotes from auto insurance companies that don’t ask for an SSN, rates will be much higher since the company can’t verify your credit score.
Is it safe to give an auto insurance company your SSN?
You might not need to be worried about how to get auto insurance without an SSN.
The auto insurance companies that do ask for an SSN take your privacy very seriously. Insurance companies should have safeguards in place to keep all of your data secure, not just your SSN.
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It’s always best to go with a reputable company to make sure the auto insurance company is doing everything in its power to keep your SSN secure and give you peace of mind.
Also, don’t give out your SSN until you’ve picked an auto insurance company. Although your quoted rates won’t be quite as accurate, you can still get an idea of which company can offer you the better deal.
Once you have decided on your insurer, then you can give them your SSN to get an accurate quote. This allows you to be very selective about who has your SSN.
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What happens if a driver doesn’t have an SSN?
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If you find an auto insurance company that doesn’t require your SSN, you will still have to provide a driver’s license number.
In most states, you have to have a social security number in order to get a driver’s license. However, there are 13 states that don’t require an SSN to get a driver’s license.
Those 13 states that allow drivers to get a license without an SSN are California, Colorado, Connecticut, Delaware, Hawaii, Illinois, Maryland, New Mexico, New York, Utah, Vermont, and Washington.
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There are also a number of ways to get a social security number. For example, if you have a work visa, you can request an SSN.
Visit your local social security office to find out the process you will need to go through for your particular situation.
What You Need to Know About the Best Auto Insurance Companies that Don’t Ask for an SSN
Rates from auto insurance companies that don’t ask for an SSN will be higher since the company can’t verify your personal information, such as your credit score.
If you’re concerned about giving out your SSN, wait until you’ve narrowed down your auto insurance choices to give them your SSN. Keeping your SSN secure will protect you from identity theft.
Shop around and compare quotes from multiple companies before you buy auto insurance to find the best deal for you, even if your credit score is poor. Each company will weigh your credit differently and offer different rates.
Now that you know about auto insurance companies that don’t ask for an SSN, enter your ZIP code below to compare auto insurance quotes from companies near you for free today.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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Written by
Rachel Bodine |
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Reviewed by
Daniel Walker
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