Best Auto Insurance for Undocumented Immigrants in 2025 (Our Top 10 Companies)
The best auto insurance for undocumented immigrants are State Farm, Progressive, and Allstate. On average, the best auto insurance for undocumented immigrants entails a monthly rate of $117 with these companies. State Farm stands out as the most cost-effective option, offering coverage at $86 per month.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Jan 13, 2025
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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: Jan 13, 2025
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.
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11,413 reviewsOur winners for the best auto insurance for undocumented immigrants are State Farm, Progressive, and Allstate. The monthly rate for these companies averages $117.
State Farm is the most budget-friendly choice, providing coverage for just $86 monthly.
Our Top 10 Company Picks: Best Auto Insurance For Undocumented Immigrants
| Company | Rank | Inclusive Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 10% | A++ | Customer Service | State Farm |
 | #2 | 8% | A+ | Diversity Rate | Progressive |
 | #3 | 10% | A+ | Community Rate | Allstate |
 | #4 | 7% | A+ | Safe-Driving Discounts | Erie |
 | #5 | 9% | A | Customer Service | Liberty Mutual |
 | #6 | 8% | A+ | Multi-Policy Discounts | Nationwide |
 | #7 | 6% | A | Student Savings | Farmers |
 | #8 | 10% | A++ | Online Convenience | Travelers |
 | #9 | 7% | A | Cheap Rates | American Family |
 | #10 | 8% | A | 24/7 Support | AAA |
Can illegal immigrants get car insurance? Yes, but while some states make it easy for undocumented immigrants to buy auto insurance, several states have regulations banning sales to them.
This guide covers the best auto insurance companies and states offering affordable auto insurance for undocumented immigrants so you can get the most affordable rates. Enter your ZIP code above to search for cheap rates for undocumented immigrants.
- Insurance firms mandate a driver’s license for purchasing auto coverage
- Certain states allow people to get a driver’s license without U.S. citizenship
- Undocumented immigrants may face above-average car insurance rates
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#1 – State Farm: Top Pick Overall
Pros
- Flexible payment options: State Farm offers various payment plans, accommodating undocumented immigrants’ financial situations. Learn more in our State Farm auto insurance review.
- Multilingual customer support: Access to customer service in multiple languages facilitates communication for those with limited English proficiency.
- Accessible claims process: Streamlined claims procedures make it easier for undocumented immigrants to navigate insurance matters.
Cons
- Limited coverage options for undocumented drivers: State Farm may have restrictions or limitations on coverage options available to undocumented immigrants.
- Potential for rate increases: Rates may increase over time, posing challenges for individuals with limited income stability.
#2 – Progressive: Best for Accepting Foreign Licenses
Pros
- Acceptance of foreign licenses: Progressive may accept foreign driver’s licenses, making it accessible to undocumented immigrants.
- Comprehensive coverage options: Progressive offers a wide range of coverage options, allowing individuals to tailor policies to their specific needs. You can learn more about Progressive’s coverage options in our Progressive auto insurance review.
- User-friendly online tools: Progressive’s online platform simplifies policy management, facilitating access for undocumented immigrants.
Cons
- Higher rates for undocumented immigrants: Progressive’s rates for undocumented immigrants may be higher compared to other insurers.
- Limited language support: Customer service and resources may primarily be available in English, posing challenges for non-English speakers.
#3 – Allstate: Flexible Payment Plans
Pros
- Flexible payment plans: Allstate offers customizable payment options, accommodating the financial circumstances of undocumented immigrants.
- Comprehensive coverage options: Allstate provides various coverage options, allowing individuals to select policies that suit their needs. Learn more in our Allstate auto insurance review.
- Accessible online resources: Allstate’s online platform offers resources and tools to manage policies conveniently.
Cons
- Potential for rate hikes: Rates may increase over time, potentially becoming less affordable for undocumented immigrants.
- Limited acceptance of foreign licenses: Allstate may have restrictions on accepting foreign driver’s licenses, limiting access for some undocumented individuals.
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#4 – Erie: Best for Affordable Rates
Pros
- Affordable rates: Erie offers competitive rates, which can be beneficial for undocumented immigrants on a tight budget. Read more about Erie’s affordable rates in our Erie auto insurance review.
- Flexible coverage options: Erie provides customizable coverage options, allowing individuals to tailor policies to their specific needs.
- Personalized customer service: Erie’s personalized approach to customer service can be helpful for undocumented immigrants navigating the insurance process.
Cons
- Limited availability: Erie’s coverage may not be available in all states, limiting access for undocumented immigrants living in certain areas.
- Potential for language barriers: Erie’s customer service and resources may primarily be in English, which can pose challenges for non-English speakers.
#5 – Liberty Mutual: Best for Nationwide Coverage
Pros
- Nationwide coverage: Liberty Mutual operates in various states across the country, offering coverage options to undocumented immigrants in different regions.
- Bundling discounts: Liberty Mutual provides discounts for bundling multiple insurance policies, potentially saving money for undocumented immigrants (learn more: Liberty Mutual Auto Insurance Review).
- Online account management: Liberty Mutual’s online platform allows for convenient policy management, enhancing accessibility for undocumented immigrants.
Cons
- Higher rates: Liberty Mutual’s rates may be higher compared to other insurers, which can be challenging for undocumented immigrants on a budget.
- Limited language support: Customer service and resources may primarily be available in English, making it difficult for non-English speakers to access assistance.
#6 – Nationwide: Best for Safe Driving Discounts
Pros
- Acceptance of foreign licenses: Nationwide may accept foreign driver’s licenses, providing access to insurance for undocumented immigrants.
- Flexible payment options: Nationwide offers various payment plans, accommodating the financial situations of undocumented immigrants.
- Discounts for safe driving: Nationwide provides discounts for safe driving behavior, allowing undocumented immigrants to save money on premiums.
Cons
- Limited coverage options: Nationwide may have restrictions on coverage options available to undocumented immigrants, limiting their choices. Read about Nationwide’s coverage options in our Nationwide auto insurance review.
- Potential for rate increases: Rates may increase over time, making it challenging for undocumented immigrants to maintain affordable coverage.
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#7 – Farmers: Best for Discounts for Good Grades
Pros
- Comprehensive coverage options: Farmers offers a wide range of coverage options, allowing undocumented immigrants to customize policies to their needs (read more: Farmers Auto Insurance Review).
- Accessible customer service: Farmers provides support through multiple channels, making it easier for undocumented immigrants to get assistance.
- Discounts for good grades: Farmers offers discounts for students with good grades, potentially reducing premiums for undocumented immigrants with student drivers. Learn more about Farmers’ discounts in our Farmers auto insurance discounts review.
Cons
- Higher rates: Farmers’ rates may be higher compared to other insurers, which can be challenging for undocumented immigrants on a budget.
- Limited language support: Customer service and resources may primarily be available in English, posing challenges for non-English speakers.
#8 – Travelers: Best for Customizable Policies
Pros
- Acceptance of foreign licenses: Travelers may accept foreign driver’s licenses, providing insurance options for undocumented immigrants.
- Customizable policies: Travelers offers customizable policies, allowing individuals to tailor coverage to their specific needs. Learn more about Travelers’ customizable policies in our Travelers auto insurance review.
- Strong financial stability: Travelers is a financially stable company, providing reassurance to undocumented immigrants about the reliability of their coverage.
Cons
- Higher rates: Travelers’ rates may be higher compared to other insurers, potentially posing affordability challenges for undocumented immigrants.
- Limited language support: Customer service and resources may primarily be available in English, making it difficult for non-English speakers to access assistance.
#9 – American Family: Best for Multi-Policy Discounts
Pros
- Flexible payment options: American Family offers various payment plans, accommodating the financial circumstances of undocumented immigrants.
- Multi-policy discounts: American Family provides discounts for bundling multiple insurance policies, potentially saving money for undocumented immigrants.
- Comprehensive coverage options: American Family offers a range of coverage options, allowing individuals to select policies that suit their needs (read more: American Family Auto Insurance Review).
Cons
- Potential for rate hikes: American Family’s rates may increase over time, potentially becoming less affordable for undocumented immigrants.
- Limited availability: American Family’s coverage may not be available in all states, limiting access for undocumented immigrants living in certain areas.
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#10 – AAA: Best for Roadside Assistance
Pros
- Extensive roadside assistance: AAA offers comprehensive roadside assistance services, providing peace of mind to undocumented immigrants while driving.
- Membership benefits: AAA members may access additional benefits and discounts, potentially saving money on insurance premiums for undocumented immigrants. Learn more about membership benefits in our AAA auto insurance review.
- Strong reputation for customer service: AAA is known for its excellent customer service, providing support to undocumented immigrants navigating the insurance process.
Cons
- Higher rates: AAA’s rates may be higher compared to other insurers, posing affordability challenges for undocumented immigrants.
- Limited coverage options: AAA may have restrictions on coverage options available to undocumented immigrants, limiting their choices.
Auto Insurance for Undocumented Immigrants
Can an illegal immigrant get car insurance? Can illegal immigrants own a car? These questions often arise when searching for non-US citizen car insurance. Companies often require a social security number or legal residency, excluding many undocumented individuals.
While some states like California offer avenues for car insurance for non-citizens, finding the cheapest car insurance for immigrants remains challenging. Read below to ensure you can drive legally and safely.
Auto Insurance Costs for Undocumented Immigrants
In the search for the best car insurance for undocumented immigrants, it’s vital to consider companies that prioritize inclusivity and accessibility. Despite the legal hurdles, many insurance providers extend their services to cater to immigrants’ needs, ensuring they can drive legally and safely on the roads.
Read More: What is auto insurance?
Car insurance for illegal immigrants has historically been a challenge due to documentation requirements. However, several companies, including State Farm, Progressive, and Allstate, have demonstrated a commitment to providing coverage regardless of immigration status.
Determining the expenses for car insurance for illegal immigrants hinges on various factors, including age, gender, credit score, and location.Daniel Walker Licensed Auto Insurance Agent
The table below shows the average monthly car insurance rates:
Auto Insurance Monthly Rates for Undocumented Immigrants
| Insurance Company | Whole Policy | Term Policy |
|---|---|---|
 | $88 | $32 |
 | $160 | $61 |
 | $117 | $43 |
 | $58 | $22 |
 | $139 | $45 |
 | $174 | $68 |
 | $115 | $44 |
 | $105 | $39 |
 | $86 | $33 |
 | $99 | $37 |
Because you are a new driver, you can expect your rates to be slightly higher than average. However, exploring multiple insurance options could lead you to rates that align with your budget, making it feasible to obtain the best car insurance for immigrants.
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How to Get Auto Insurance for Undocumented Immigrants
Getting car insurance for immigrants in the U.S. is feasible, with no federal laws prohibiting insurance companies from extending coverage to individuals without legal documentation. However, possessing a driver’s license is a prerequisite for obtaining coverage.
However, you need a driver’s license to get car insurance. There are currently 16 states in the U.S. that allow undocumented immigrants to get a driver’s license:
- California
- Colorado
- Connecticut
- Delaware
- Hawaii
- Illinois
- Maryland
- New Jersey
- New Mexico
- New York
- Nevada
- Oregon
- Utah
- Vermont
- Virginia
- Washington
- District of Columbia
Residing in one of these states facilitates the process of obtaining a driver’s license through the local Department of Motor Vehicles (DMV).
While a Social Security number isn’t mandatory, you’ll need to fulfill specific prerequisites, such as completing required courses and passing a driver’s test, before receiving your license. This streamlined approach enhances accessibility to the best car insurance for undocumented immigrants in regions accommodating to undocumented individuals.
Read More: Can you get auto insurance without a license?
Getting Auto Insurance for Undocumented Immigrants Without 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 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 to 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 DMV 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.
Auto Insurance Discounts for Undocumented Immigrants
When it comes to car insurance for undocumented immigrants, accessing discounts is essential for securing affordable coverage. Despite challenges, many insurance companies extend discounts tailored to assist this demographic, ensuring they can navigate the road safely without breaking the bank.
Read More: Auto Insurance Discounts
One common concern is whether illegal immigrants can get car insurance and benefit from discounts. The good news is that numerous insurance companies recognize the importance of inclusive coverage. By offering discounts specifically aimed at undocumented immigrants, these providers ensure that everyone has access to essential protection, regardless of their immigration status.
Utilizing an Individual Taxpayer Identification Number (ITIN) instead of a Social Security Number (SSN) can open doors to various discounts. Companies that offer car insurance with an ITIN number acknowledge the unique identification challenges faced by undocumented immigrants, making it easier for them to obtain coverage at discounted rates.
These discounts can significantly reduce premiums, making car insurance for non-citizens more accessible and affordable. Moreover, discounts for installing safety features, completing defensive driving courses, or affiliating with certain organizations can further lower insurance costs for undocumented immigrants.
Find Auto Insurance for Undocumented Immigrants Near You
Ultimately, the answer to the question of can undocumented immigrants get car insurance is yes, with careful consideration of available options and a proactive approach to finding suitable coverage.
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. Learn more in our “How to Find Auto Insurance Quotes Fast” for more information.
Navigating auto insurance for immigrants can be complex, but with the right provider, it becomes more manageable. By choosing from reputable companies such as those mentioned above, immigrants can secure coverage that not only meets legal requirements but also offers peace of mind on the road.
Enter your ZIP code to begin comparing quotes for undocumented immigrants.
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Frequently Asked Questions
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. Read more in our driving without auto insurance review.
Can a non-U.S. citizen buy auto insurance?
Yes, undocumented immigrants can typically obtain auto insurance. While immigration status is not a barrier to purchasing auto insurance, requirements and eligibility criteria may vary depending on the state and insurance provider.
Can undocumented people be insured?
Once you have a driver’s license, you can officially start shopping for car insurance. 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. Enter your ZIP code below.
How can I get auto insurance without citizenship?
As long as you have a valid driver’s license, you can buy auto insurance without citizenship. Further, 16 states and Washington, D.C. allow immigrants to buy car insurance without a driver’s license or U.S. citizenship (read more: What happens if you drive without a license and get stopped by the police?).
What is the best auto insurance for immigrants?
The best car insurance for undocumented immigrants will meet the liability requirements of the state they’re living in.
Will an undocumented immigrant’s immigration status be reported to immigration authorities when getting auto insurance?
Insurance companies generally do not report an individual’s immigration status to immigration authorities when providing auto insurance. Insurance companies are primarily concerned with insuring the vehicle and mitigating their own risks. Their focus is on factors such as driving records, vehicle information, and other relevant details for determining premiums and coverage.
What documents are needed to get auto insurance for undocumented immigrants?
The specific documentation requirements can vary depending on the state and insurance provider. While some insurance companies may accept an Individual Taxpayer Identification Number (ITIN) or a foreign passport as identification, others may have different requirements. It’s advisable for undocumented immigrants to contact insurance providers directly to understand their documentation requirements. Learn more in our best auto insurance for international drivers review.
Can an undocumented immigrant be denied auto insurance coverage based on their immigration status?
Insurance companies cannot typically deny auto insurance coverage solely based on an individual’s immigration status. However, insurance providers may have their own underwriting criteria and eligibility requirements. Undocumented immigrants should research and contact insurance companies that are known to provide coverage to individuals without legal status to ensure they can obtain the necessary coverage.
Can an undocumented immigrant get the same coverage options and discounts as other drivers?
Undocumented immigrants can generally access the same coverage options and discounts as other drivers, as long as they meet the eligibility requirements set by the insurance provider. Discounts can vary, but factors such as driving history, vehicle safety features, and bundling multiple policies may still apply. It’s advisable for undocumented immigrants to inquire about available coverage options and discounts directly with insurance providers.
Are there any specific considerations for auto insurance for undocumented immigrants?
Undocumented immigrants should be aware of the specific requirements and laws in the state where they reside. Some states may have different regulations regarding auto insurance for undocumented immigrants. It’s also important to consider the level of coverage needed and any additional coverage options that may be required or recommended based on personal circumstances (learn more: Types of Auto Insurance).
Can an undocumented immigrant be listed as a driver on someone else’s auto insurance policy?
It may be possible for an undocumented immigrant to be listed as a driver on someone else’s auto insurance policy, such as a family member or friend. The eligibility and requirements for adding a driver to an existing policy vary by insurance provider. It’s important to contact the insurance company directly to inquire about their policies regarding adding drivers with different immigration statuses.
Do immigrants pay more for auto insurance?
Auto insurance rates for undocumented immigrants depend on the same factors as everyone else, such as age, gender, and driving record. Immigrants can pay less for auto insurance if they remain accident and claim-free. Read our article “Factors That Affect Auto Insurance Rates” for more information.
Can an undocumented person buy a car?
Yes, but you may not be able to drive the new car until you have a valid U.S. driver’s license and auto insurance policy. Enter your ZIP code below to find the most affordable rates.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
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.
