Geico, Erie, and Allstate are the best car insurance companies that accept international licenses, with rates starting at $89.

Geico stands out as the top choice for budget-conscious drivers, while Erie offers competitive rates and Allstate provides dependable coverage.

Company	Rank	Bundling Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	25%	A++	Budget Friendly	Geico
	#2	25%	A+	Competitive Rates	Erie
	#3	25%	A+	Reliable Coverage	Allstate
	#4	20%	A	Comprehensive Offers	Farmers
	#5	25%	A	Multiple Discounts	Liberty Mutual
	#6	17%	B	Nationwide Availability	State Farm
	#7	20%	A+	Customizable Policies	Nationwide
	#8	15%	A	Tailored Options	Safeco
	#9	10%	A+	Flexible Payment	Progressive
	#10	13%	A++	Hybrid Discounts	Travelers

Considering factors like your location and driving experience is crucial in finding the right policy. This article explores the best car insurance companies cater to all types of drivers, not all companies will offer coverage to international drivers.

Get the right car insurance at the best price enter your ZIP code above to shop for coverage from the top insurers.

What You Should Know

• Geico is a top car insurance company for international licenses, with rates from $89
• Geico is the best choice for budget-friendly coverage for international drivers
• Location and driving experience impact auto insurance rates

#1 – Allstate: Top Overall Pick

Pros

• Extensive Support: Geico is great at helping drivers with international licenses understand U.S. driving laws.
• User-Friendly Platform: Their online tools are super handy for managing documents, especially for those holding an international license.
• Flexible Coverage: Geico offers customizable options tailored for drivers with international licenses, including new driver car insurance.

Cons

• Limited Options: Some coverage choices for International Licenses can feel a bit restricted
• Variable Response Times: Sometimes, their customer support can be a little slow, especially when you have questions about your International License.

#2 – Erie: Best for Competitive Rates

Pros

• Tailored Guidance: Erie provides personalized support for those with international licenses, helping you navigate U.S. driving regulations.
• Attractive Rates: They often have appealing rates for international licenses, allowing you to save while staying protected. Check out our Erie review for more details.
• Knowledgeable Agents: The agents at Erie are well-versed in the unique needs of international license holders.

Cons

• Regional Limitations: Coverage for international licenses may not be as robust in every area.
• Policy Navigation Challenges: Some clients find the policy details tricky to understand, especially regarding international licenses.

#3 – Allstate: Best for Reliable Coverage

Pros

• Robust Protection: Allstate offers solid coverage options for drivers with international licenses. Discover details in our Allstate review.
• Personalized Assistance: Their dedicated agents provide focused support for international license holders.
• Resource Availability: Allstate has a wealth of resources to help you navigate your coverage options for international licenses.

Cons

• Claims Documentation: Filing a claim might involve extra paperwork for those with International Licenses
• Higher Premiums: Some folks find Allstate's rates to be on the higher side for drivers with international licenses.

#4 – Farmers: Best for Comprehensive Offers

Pros

• Specialized Coverage: Farmers knows how to tailor policies for international license holders. Find more in our Farmers review.
• Comprehensive Resources: Their policies usually include solid support for U.S. driving regulations. This is super helpful for those with international licenses.
• Helpful Navigation Support: Farmers provides resources that make navigating insurance easier for international license holders.

Cons

• Availability Limitations: Certain coverage options can be limited based on where you live. Drivers with international licenses might need to explore a bit.
• Understanding Policy Details: Some customers find the insurance lingo hard to grasp, especially regarding international licenses.

#5 – Liberty Mutual: Best for Multiple Discounts

Pros

• Discount Opportunities: Liberty Mutual offers savings specifically for international license holders, It makes getting covered a little easier on the wallet.
• Insightful Online Tools: Their online resources help you understand your coverage options better. This is a big help for international license holders.
• Focused Resources: They have dedicated materials that cater to international license holders, so you’ll stay informed throughout your journey. See our Liberty Mutual review for more.

Cons

• Inconsistent Service Quality: Customer service can vary, especially for international license inquiries. It can be tough when you need assistance.
• Limited Policy Flexibility: Some policies may not be as flexible as you'd like. This could make finding the right coverage a bit challenging for international license holders.

#6 – State Farm: Best for Nationwide Availability

Pros

• Experienced Agents: State Farm’s agents are well-versed in the needs of international licenses.
• Comprehensive Options: They offer a variety of coverage tailored to drivers with international licenses. Read our State Farm review for more.
• Customer-Centric Approach: State Farm focuses on keeping customers happy, which includes providing plenty of resources for international license holders.

Cons

• Cumbersome Claims Process: Filing a claim can be lengthy, especially for international licenses.
• Variable Premium Rates: Premium costs can change a lot. This could impact international license holders differently than local drivers.

#7 – Nationwide: Best for Customizable Policies

Pros

• Customizable Coverage: Nationwide offers flexible policies for international license holders, helping you create a plan that fits your needs.
• Strong Customer Satisfaction Focus: They really aim to ensure customers are happy, including those with international licenses.
• Seasoned Agents: Nationwide’s agents know their stuff when it comes to international license holders.

Cons

• Limited Coverage Availability: Depending on your area, you might find some coverage options lacking for International Licenses.
• Complex Policies: Some policies can be a bit complicated, especially for international license holders. If you’re not familiar with U.S. insurance, it might take some extra effort to figure it out.

#8 – Safeco: Best for Tailored Options

Pros

• Tailored Insurance Products: Safeco customizes its offerings for drivers with international licenses. You’ll find coverage that fits your situation perfectly.
• Competitive Pricing Structure: Their pricing is competitive, making it budget-friendly for international license holders. Check out our Safeco review.
• Helpful Resources: Safeco provides great resources for drivers with international licenses to help you understand your options better.

Cons

• Variable Service Quality: Service quality can differ by region, which might affect international license holders.
• Policy Clarity Issues: Some clients find it hard to grasp the policy details. This could lead to confusion for international license holders trying to navigate their coverage.

#9 – Progressive: Best for Flexible Payment

Pros

• Flexible Payment Plans: Progressive offers flexible payment options, which is ideal for international license holders who need budget-friendly terms.
• Online Tools: Their robust online platform makes managing policies easier, even for those with international licenses. Get a complete view in our Progressive review.
• Comprehensive Coverage Options: Progressive offers a wide range of coverage specifically suited for drivers with international licenses, so you’ll feel secure on the road.

Cons

• Customer Service Wait Times: Some international license holders report long wait times when contacting customer support, which can be frustrating.
• Complex Discounts: Progressive’s discounts can be tricky to qualify for, especially for those with international licenses, making it harder to save.

#10 – Travelers: Best for Hybrid Discounts

Pros

• Hybrid Discounts: Travelers offers hybrid discounts that can benefit drivers with international licenses, giving you multiple ways to save on premiums.
• Specialized Support: Their agents provide specialized assistance for international license holders, making the insurance process smoother and more accessible.
• Customizable Policies: Travelers lets drivers with international licenses tailor policies to fit their needs. For more details, check out our Travelers review.

Cons

• Limited Availability: Coverage for international licenses may not be available in every state. It's important to verify this before signing up.
• Complicated Policy Details: Some find Travelers' policy language a bit complex, especially for international license holders unfamiliar with U.S. insurance terms.

What car insurance companies accept international licenses?

Looking for affordable car insurance? Here's a breakdown of the minimum and full coverage costs from different companies, helping you compare prices quickly and choose the right plan that fits your budget.

Insurance Company	Minimum Coverage	Full Coverage
	$51	$139
	$52	$101
	$62	$140
	$45	$116
	$84	$173
	$49	$109
	$56	$130
	$64	$148
	$44	$122
	$45	$89

With these options, finding car insurance that suits both your needs and wallet is easier. Compare these rates to make an informed decision and ensure you’re covered at a price that works for you.

How do international drivers get car insurance in the U.S.?

There are two different ways for international drivers to get car insurance in the U.S.

If you have an international driving permit, you will still need auto insurance, but the process might be easier.

First, if you are just here for a short visit, it will be cheaper and easier to just get car insurance through your rental car company.

While it is generally more expensive for U.S. citizens to get coverage through a rental car company, international drivers can save time and money by adding coverage to their rental car.

However, if you will be in the U.S. long-term, you should get coverage through an auto insurance company.

If you’ve immigrated to the U.S., you will need a U.S. driver’s license to get auto insurance. While most states require you to use your social security number to get a driver’s license, there are 11 states that do not.

How much car insurance is required in the U.S.?

Most states in the U.S. require drivers to carry at least a minimum amount of auto insurance. However, the coverages and amounts required vary by state.

Car insurance coverage that is usually required includes bodily injury (BI), property damage (PD), uninsured or underinsurance motorist (UM and UIM), and personal injury protection (PIP).

This table shows you the minimum car insurance required in each state.

Insurance Company	Available Discount
	Safe driving, multi-policy, multi-vehicle, early signing, good student, anti-theft, new car, automatic payments
	Safe driver, multi-policy, payment history, vehicle safety equipment, young driver, accident prevention, diminishing deductible
	Multi-policy, multi-car, good driver, good student, alternative fuel, accident-free, mature driver, professional, affinity discounts
	Multi-policy, multi-vehicle, good driver, good student, anti-theft, defensive driving, military, federal employee, emergency deployment
	Multi-policy, multi-vehicle, new car, vehicle safety, homeowner, good student, accident-free, military, early shopper
	Multi-policy, multi-vehicle, accident-free, good student, defensive driving, easy pay, smart ride, anti-theft, paperless billing
	Multi-policy, multi-car, safe driver, continuous insurance, pay-in-full, good student, homeowner, online quote, snapshot (telematics)
	Multi-policy, multi-vehicle, good student, safe driver, anti-theft, accident prevention, telematics-based, new car
	Multi-policy, multi-vehicle, good student, safe driver, accident-free, defensive driving, good driving, vehicle safety features
	Multi-policy, multi-vehicle, safe driver, hybrid/electric vehicle, home ownership, new car, good student, pay-in-full, defensive driving

Keep in mind these coverages don't pay for damages to your vehicle when you're at fault. You would need to add collision and comprehensive insurance to your policy to cover damages to your vehicle.

Car Insurance Companies that Accept International Licenses: The Bottom Line

Car insurance companies that don’t accept international licenses are more common than companies that do. This is because although the driver has proof that they can drive legally in their home country, the auto insurance company has no way of determining how risky the driver is.

Drivers who will only be in the country for a short amount of time can get insurance through the rental car company, but drivers who will here long-term need to go through an auto insurance company.

Shop around to find the best auto insurance for you if you are a foreign driver. Compare rates from car insurance companies that accept international licenses to find the best coverage for you.

Enter your ZIP code to compare quotes from auto insurance companies that accept international licenses in the area you will be visiting for free.

References:

1. https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists