Can illegal immigrants get auto insurance?

Undocumented immigrants need a valid driver’s license to purchase an auto insurance policy in the U.S. Some states allow undocumented immigrants to get a driver's license, some don't.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: May 11, 2022

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Things to Remember

  • Insurance companies require you to have a driver’s license in order to purchase insurance coverage
  • Certain states allow people to get a driver’s license without U.S. citizenship
  • Car insurance rates for undocumented immigrants are likely to be higher than average

Can illegal immigrants get auto insurance? If you are searching for car insurance for undocumented immigrants, it may not be easy to find viable options in your state. While some states make it easy for undocumented immigrants to purchase auto insurance, several states have rules that prohibit undocumented individuals from purchasing the necessary coverage.

Unfortunately, if you are an undocumented immigrant, you will probably find that purchasing a car insurance policy is not easy. But there are a few things you can do to try and meet your state’s requirements for coverage as an undocumented individual.

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Can illegal immigrants get auto insurance?

It is possible to get car insurance for undocumented immigrants in the U.S., and no federal law prohibits insurance companies from selling an auto insurance policy to an undocumented immigrant. 

But each car insurance company will require that you provide a driver’s license in order to purchase a policy. There are currently 16 states in the U.S. that allow undocumented immigrants to get a driver’s license. 

These states include:

  • California
  • Colorado
  • Connecticut
  • Delaware
  • Hawaii
  • Illinois
  • Maryland
  • New Jersey
  • New Mexico
  • New York 
  • Nevada
  • Oregon
  • Utah
  • Vermont
  • Virginia
  • Washington
  • District of Columbia

If you live in one of the states listed above, you should be able to apply for a driver’s license through your state’s department of motor vehicles. You will not need to provide a Social Security number, but you will have to take certain required courses and pass a driver’s test before you receive a driver’s license. 

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What if my state won’t give me a driver’s license?

If you live in a state other than those listed above, your state may allow you to get a driver’s license through the Deferred Action for Childhood Arrivals program (DACA). While this program is available throughout the United States, you must meet certain requirements to get a driver’s license. 

In order to get a license with DACA, you must have:

  • Immigrated to the U.S. before you were 16 years of age
  • Been younger than 31 on June 15, 2012
  • A consistent U.S. address
  • A GED or high school diploma
  • No criminal record

Unfortunately, if you do not meet the criteria listed above, you may not be able to get a U.S. driver’s license until your status as an undocumented immigrant changes. However, you can continually check with your state’s department of motor vehicles (DMV) for information. 

You can also contact your local DMV to see if you have any other options for getting a valid U.S. driver’s license.

How can I apply for a driver’s license as an undocumented immigrant?

Each state handles the processing of undocumented immigrants differently when it comes to getting a driver’s license, so you will have to check with your state’s department of motor vehicles to know precisely how you can apply for a license.

If you are nervous about speaking to someone with the DMV, you can do some research online to see if your state’s DMV website offers the information you need. If you are ever in doubt, you can enlist the help of an immigrant advocate.

Is it easy for undocumented immigrants to shop for auto insurance? 

Once you have a driver’s license, you can officially start shopping for car insurance. The easiest way to find and compare car insurance policies is by using an online quote tool.

Online quote comparison tools allow you to receive quotes from multiple insurance companies at once. As a result, you can see which companies offer the type of coverage you want at a price that works for you and your family.

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What are the best companies that provide car insurance for undocumented immigrants?

There’s no way to know which insurance company will work best for you until you compare options with several other companies. If you are looking for a robust policy, you should prepare to pay higher-than-average rates since you will be considered a new driver and will thus pose more of a risk for insurance companies.

However, if you’re simply looking to purchase a policy that meets your state’s required amount of coverage, you could get surprisingly low monthly rates with certain companies.

Some of the insurance companies known for offering fair rates to new drivers include:

  • Allstate
  • State Farm
  • GEICO
  • Alliance United
  • Bristol West
  • Progressive
  • SafeAuto
  • Infinity Insurance

You can request quotes from any of the companies listed above to see which one will offer the best coverage at the cheapest rates. However, do not feel obligated to purchase an insurance policy from any company that offers you a quote. You deserve to shop around and find the best option out there.

How much is car insurance for undocumented immigrants?

How much you will pay in car insurance will depend on several different factors, such as your age, gender, credit score, and address. 

The table below shows the average monthly car insurance rates in each state.

Average Monthly Car Insurance Rates by State
StateAverage Monthly Full Coverage Car Insurance Rates
Alabama$69.76
Alaska$87.51
Arizona$75.02
Arkansas$79.31
California$78.29
Colorado$94.40
Connecticut$81.81
Countrywide$101.31
Delaware$110.37
District of Columbia$100.73
Florida$82.60
Georgia$71.51
Hawaii$56.09
Idaho$71.18
Illinois$60.74
Indiana$56.97
Iowa$71
Kansas$76.46
Kentucky$113.68
Louisiana$57.43
Maine$91.36
Maryland$92.31
Massachusetts$57.43
Michigan$105.35
Minnesota$71.39
Mississippi$79.80
Missouri$70.45
Montana$72.38
Nebraska$67.17
Nevada$90.29
New Hampshire$66.29
New Jersey$114.93
New Mexico$76.70
New York$110.65
North Carolina$64.02
North Dakota$64.01
Ohio$63.89
Oklahoma$82.13
Oregon$74.51
Pennsylvania$79.20
Rhode Island$104.78
South Carolina$78.06
South Dakota$62.02
Tennessee$71.30
Texas$88.85
Utah$71.06
Vermont$62.23
Virginia$69.68
Washington$79.34
West Virginia$86.04
Wisconsin$59.74
Wyoming$70.36
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Because you are a new driver, you can expect your rates to be slightly higher than average. However, shopping around for coverage could help you find rates you’re happy with.

Can undocumented immigrants drive without auto insurance?

It is never a good idea to drive without car insurance. If someone catches you driving without insurance, you could face significant fines and even jail time. 

You may find it tempting to drive without insurance if your state makes it challenging to find the right coverage, but you could regret it in the long run. Instead of driving without insurance, try to carpool with individuals who have proper insurance while you work to get your own policy.

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Auto Insurance for Undocumented Immigrants: The Bottom Line

There are many undocumented immigrants living and working in the U.S. who need a way to get to work but do not have the proper car insurance coverage. If you are an undocumented immigrant and you live in a state that will let you, your first step is to get a valid U.S. driver’s license.

Once you have a license, you can shop around online to find and compare quotes from many different insurance companies at once. If you cannot find a quote that is low enough to fit your budget, try calling individual companies to see if there is anything you can do to lower your monthly rates.

If you find it hard to get the proper coverage, it may be tempting to drive without car insurance. But you should avoid doing so, as it could lead to severe penalties in the long run. 

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