Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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

UPDATED: Oct 21, 2020

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Things To Remember

  • Social Security numbers are unique to each person
  • Credit-based insurance requires the Social Security number to be provided
  • If the number is not provided, it can result in higher insurance premiums

When it comes to auto insurance Social Security numbers, many people guard their Social Security number and give it out only when absolutely necessary. Which is why many people ask: Do auto insurance companies need your Social Security number? Why do insurance companies need SSN? Do I have to give my social security number to my auto insurance company for car insurance?

It’s only natural to question whether car insurance companies actually need the information when you are applying for cheap auto insurance quotes. Most insurance companies will request your Social Security number in order to provide you with more accurate car insurance quotes.

With or without a social security number, find affordable auto insurance now — get started comparing car insurance quotes by simply entering your ZIP code into our free comparison tool above.

Table of Contents

Why Auto Insurers use Your Social Security Number

What is the Social Security number used for? Each U.S. citizen and eligible U.S. resident is issued a unique nine-digit number. The government issues the numbers as a way of tracking your total earnings and the number of years you have worked.

Your Social Security number is required for a large number of things, including opening a bank account, buying a car, buying a home, applying for a passport, and more. To receive benefits, such as Social Security disability income or retirement funds, a Social Security number is required.

It is also used by credit bureaus and other organizations to be able to track other information as it pertains only to you.

Asking yourself “Why would an insurance adjuster ask for my social security number?” Well, your Social Security number is used to obtain detailed reports about your credit history and criminal background. Will a criminal record affect my car insurance? Yes, you may need high-risk insurance.

All of this information is used by the insurance companies in order to calculate your premium.

The insurance company will be able to read the reports to see what your credit score is as well as whether you have ever committed insurance fraud, vehicular manslaughter or other crimes that might impact auto insurance rates.

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Should I provide my Social Security number to an auto insurance company?

Do you need your social security number to get car insurance quotes and purchase insurance? Is GEICO asking for your social security number?

While not all auto insurance companies require your Social Security number, most will. Even if the auto insurance company doesn’t require a Social Security number, auto insurance will be easier to get if you provide it.

Providing your Social Security number allows auto insurance companies to check your credit history and, therefore, properly determine your car insurance rates. Providing a Social Security number is also the easiest way to prove your identity to a car insurance company. This is the same for most top insurance companies, including GEICO, Progressive, State Farm, and Allstate.

Understandably, many people are wary of giving out their Social Security number for fear of identity theft, which can cause a great number of future problems. However, most auto insurance companies take great precautions to make sure their customers’ identities are protected.

All that being said, there are many instances in which you shouldn’t give out your Social Security number.

Here’s a video that covers a few things to keep in mind when asked for your SSN.

Providing your Social Security Number can be beneficial when applying for auto insurance. Just make sure the insurance company is reliable and keeping your information secure.

How does credit score affect auto insurance?

Many states are permitted to use your credit score when calculating the cost of car insurance. As to whether your state allows it, you will need to check with the insurance bureau for your state.

Some states have banned the use of credit scores, requiring insurance companies to rely on other information to calculate the cost of car insurance for individuals.

According to the National Association of Insurance Commissioners (NAIC), when credit-based insurance is permitted the credit score isn’t used in its entirety. Instead, the insurance companies look at a few details:

  • No late payments
  • Longstanding credit history
  • Open accounts in good standing

A person who has a lower than average credit score might spend more money on their insurance premiums. The idea behind this is that they are more likely to miss payments as well as to file more claims with the insurance company.

The latter is vital as insurance companies spend more money when claims are filed.

If the insurance company feels as though you are going to file a claim for any reason, your premium will be higher to compensate for the expense they are likely to incur at one point or another.

How can I find affordable auto insurance with bad credit? If you have a low credit score and are being penalized when you buy auto insurance, it’s important to get a quote from multiple insurance companies. To see how much credit score can impact your rates at different companies, we partnered with Quadrant to bring you data on credit score rates.

Average Annual Auto Insurance Rates Based on Credit Rating
CompaniesAverage Annual Rates with Good Credit RatingAverage Annual Rates with Fair Credit RatingAverage Annual Rates with Poor Credit Rating
USAA$1,821.20$2,219.83$3,690.73
State Farm$2,174.26$2,853.00$4,951.20
GEICO$2,434.82$2,986.79$4,259.50
American Family$2,691.74$3,169.53$4,467.98
Nationwide$2,925.94$3,254.83$4,083.29
Progressive$3,628.85$3,956.31$4,737.64
Farmers$3,677.12$3,899.41$4,864.14
Allstate$3,859.66$4,581.16$6,490.65
Travelers$4,058.97$4,344.10$5,160.22
Liberty Mutual$4,388.18$5,604.24$8,802.22
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Additionally, you will want to work on improving your credit score so that your rates may drop once it’s time to renew your policy.

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Getting Auto Insurance Without a Social Security Number

What happens if you don’t provide your Social Security number? It is your right not to provide your Social Security number. However, buying car insurance without SNN is not in your best interest.

Without the detailed and accurate information that the insurance companies use to calculate your rates, they could assume the worst and penalize you with higher insurance premiums.

Many reports can still be obtained without the use of your Social Security number. When you buy car insurance without Social Security numbers, however, the reports might not be as accurate and they may take longer to obtain.

It is not a good idea to provide your Social Security number to just anyone. There have been plenty of reports of fraud because of openly sharing this number.

When you are shopping for car insurance, know the reputation of the website or the insurance company you are working with. By doing so, it will allow you to provide the number with confidence knowing that it is being protected.

Your Social Security number will most likely be used by car insurance companies. Even if your state doesn’t permit credit-based insurance, the number will be used to pull detailed reports about you.

There are also other documents your auto insurance might ask for. Some wonder “can insurance companies see your address?” and in some cases, the answer is “yes.” This is because many companies ask for proof of residence.

When making an auto insurance claim, Social Security Number information is not normally collected or required.

What if I don’t have a social security number?

Some individuals may also have particular circumstances in which they either don’t have or can’t access their Social Security number. For those individuals, there are auto insurance options.

Some auto insurance companies offer policy options to individuals without requiring a Social Security number, however, a driver’s license will still be required. The problem is, you need a Social Security number to obtain a driver’s license in many states.

Currently, there are 13 states that don’t require a Social Security number to obtain a driver’s license: California, Colorado, Delaware, Connecticut, New York, Utah, New Mexico, Maryland, Illinois, Vermont, Washington, Hawaii.

Even if you are not in one of the states mentioned above, there are several ways to obtain a Social Security number. For information on obtaining a Social Security number, read on.

How to Obtain a Social Security Number

There are several circumstances in which noncitizens can apply for a Social Security number. For example, those in the United States on a work visa can obtain their Social Security number simply by visiting a local social security office and filling out the required forms.

It is important to have a social security number for multiple reasons. Say you are at a point in your life where you want to name a beneficiary and are wondering, “do I need a social security number for a beneficiary?” for most companies, the answer is “yes.”

Do auto insurance companies need your Social Security number? Now that you know more about why do insurance companies need your Social Security number, find cheap auto insurance quotes from multiple insurance companies right here by entering your ZIP code below.