Best Auto Insurance Companies That Don’t Ask for a SSN (2023)
Finding the best auto insurance companies that don't ask for an SSN is difficult. 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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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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.
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.
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?
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.
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 |
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.
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.
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?
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.
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.
Frequently Asked Questions
Are there auto insurance companies that do not require a Social Security Number (SSN)?
Yes, some auto insurance companies do not ask for a Social Security Number (SSN) as a requirement for obtaining insurance coverage. These companies understand that not everyone may have an SSN or may prefer not to provide it. However, it’s important to note that insurance companies may still require alternative forms of identification or information to assess risk and provide accurate quotes.
What types of identification or information can be used instead of an SSN when applying for auto insurance?
Insurance companies may accept alternative forms of identification or information in place of an SSN. Some common alternatives include:
- Driver’s License Number: Your driver’s license number is often required for auto insurance applications as it verifies your identity and driving record.
- Individual Taxpayer Identification Number (ITIN): If you don’t have an SSN, you may have an ITIN, which can be used as an alternative identification number for insurance purposes.
- Passport Number: Your passport number can serve as an identification document when applying for auto insurance.
- Other Personal Information: Insurance companies may ask for additional personal information, such as your full name, date of birth, address, and employment details, to assess risk and provide accurate quotes.
Can I still get competitive rates and coverage from auto insurance companies that don’t ask for an SSN?
Yes, you can still receive competitive rates and coverage from auto insurance companies that do not require an SSN. The absence of an SSN requirement does not necessarily impact the quality of coverage or pricing. However, it’s important to shop around, compare quotes from multiple insurers, and evaluate the coverage and terms of each policy to ensure you are getting the best rates and suitable coverage for your needs.
What are some auto insurance companies that don’t ask for an SSN?
While specific policies and requirements can vary, some auto insurance companies known for not asking for an SSN during the application process include:
- Geico: Geico is a popular insurance company that does not require an SSN and allows customers to get quotes and purchase coverage online.
- The General: The General is another insurer that may not require an SSN for obtaining auto insurance coverage.
- Dairyland Insurance: Dairyland Insurance is known for providing coverage to high-risk drivers and may not require an SSN during the application process.
- Freeway Insurance: Freeway Insurance is an insurance agency that works with multiple carriers and may offer options for obtaining coverage without providing an SSN.
Are there any disadvantages to not providing an SSN when applying for auto insurance?
While not providing an SSN may not necessarily have direct disadvantages, it’s important to consider that insurance companies use various factors to assess risk and determine premiums. Without an SSN, insurers may rely more heavily on other personal information, such as your driving record, credit history (where applicable), and other factors that can impact rates. It’s also possible that some insurers may require additional documentation or information to compensate for the lack of an SSN.
Can I still get a personalized quote without providing an SSN?
Yes, many auto insurance companies can provide personalized quotes without requiring an SSN. They often use alternative identification information, such as your driver’s license number, to assess risk and generate accurate quotes. You can typically obtain a quote by providing the necessary details, such as your vehicle information, driving history, and other relevant personal information, without needing to provide an SSN.
How can I find auto insurance companies that don’t ask for an SSN?
To find auto insurance companies that do not require an SSN, you can:
- Research Online: Look for insurers that explicitly state their SSN requirements on their websites or in their marketing materials. This information can help you identify companies that may not ask for an SSN.
- Contact Insurance Agents: Reach out to independent insurance agents who work with multiple insurance companies. They can provide information on insurers that are more flexible with their identification requirements.
- Directly Inquire with Insurance Companies: Contact insurance companies directly and ask about their policies regarding SSN requirements during the application process. They can provide clarity on whether they ask for an SSN or if they accept alternative forms of identification.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
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.