Best Auto Insurance for Non-US Citizens in 2026 (Our Top 10 Picks)

#1 – Progressive: Top Overall Pick

Pros

• Competitive Rates: Offers some of the lowest rates in the industry.
• Variety of Discounts: Numerous discounts available for safe drivers, multiple policies, and more.
• Snapshot Program: Usage-based insurance program that can lower rates based on driving habits.

Cons

• Customer Service: Mixed reviews on customer service quality.
• Complex Policies: In our Progressive auto insurance review, some customers find policy options and terms confusing.

#2 – Geico: Best for Low Rates

Pros

• Low Rates: Consistently offers some of the most affordable rates. Read more in our Geico auto insurance review.
• Online Tools: Excellent online tools and mobile app for policy management.
• Wide Coverage Options: Comprehensive coverage options available, including mechanical breakdown insurance.

Cons

• Claims Process: Some customers report difficulties with the claims process.
• Limited Local Agents: Fewer local agents compared to some competitors, which may be a drawback for those who prefer in-person service.

#3 – State Farm: Best for Extensive Network

Pros

• Extensive Network: Largest network of agents for personalized service.
• Strong Financial Ratings: Excellent financial stability and claims-paying ability.
• Good Driver Discounts: Substantial discounts for safe and young drivers.

Cons

• Higher Rates: Often has higher premiums compared to competitors. Find out more in our State Farm auto insurance review.
• Limited Online Features: Online tools and app are less advanced compared to others like Geico.

#4 – Allstate: Best for Customer Service

Pros

• Strong Customer Service: High marks for customer service and satisfaction.
• Numerous Discounts: Extensive range of discounts, including for safe driving and new cars.
• Comprehensive Coverage: Wide array of coverage options and add-ons.

Cons

• Expensive Premiums: Higher than average rates for some customers. Use our Allstate auto insurance review as your guide.
• Mixed Claims Satisfaction: Some customers report dissatisfaction with the claims process.

#5 – Farmers: Best for Foreign Licenses

Pros

• Good for Foreign Licenses: Farmers, as mentioned in our Farmers auto insurance review, offers coverage for drivers with foreign licenses.
• Personalized Policies: Customizable coverage options to fit individual needs.
• Strong Agent Network: Large network of local agents for personalized assistance.

Cons

• High Rates: Generally more expensive than other insurers.
• Limited Online Resources: Online tools and mobile app are not as robust as competitors.

#6 – Liberty Mutual: Best for Comprehensive Plans

Pros

• Comprehensive Plans: Wide range of coverage options, including unique add-ons.
• Discounts: Numerous discount opportunities, such as bundling and safe driver discounts.
• Solid Customer Service: Positive ratings for customer service.

Cons

• Premium Costs: Rates can be higher than average. Read more through our Liberty Mutual auto insurance review.
• Complex Discount Requirements: Some discounts have complex eligibility requirements.

#7 – The General: Best for High-Risk Drivers

Pros

• High-Risk Drivers: Specializes in coverage for high-risk drivers.
• Affordable Rates: Competitive rates for those who might struggle to find affordable insurance elsewhere.
• Quick Quotes: Fast and easy quote process.

Cons

• Customer Service: Mixed reviews regarding customer service. Read more through our The General auto insurance review.
• Limited Coverage Options: Fewer coverage options and add-ons compared to major insurers.

#8 – Kemper: Best for Non-Standard

Pros

• Non-Standard Policies: Good for non-standard drivers and unique situations.
• Flexible Payment Options: Offers various payment plans and flexible options.
• Broad Coverage: Provides a range of coverage options. Find out more through our Kemper auto insurance review.

Cons

• Higher Rates for Some: Can be more expensive, particularly for standard drivers.
• Customer Complaints: Some negative reviews regarding claims handling and customer service.

#9 – Bristol West: Best for Flexible Payments

Pros

• Flexible Payments: Offers flexible payment options and plans. For guidance, look for our Bristol West auto insurance review.
• Specializes in High-Risk Drivers: Good option for high-risk drivers needing coverage.
• Responsive Service: Generally responsive customer service.

Cons

• High Premiums: Higher premiums, especially for non-high-risk drivers.
• Limited Discounts: Fewer discount opportunities compared to other insurers.

#10 – Dairyland: Best for High-Risk Drivers

Pros

• High-Risk Coverage: Specializes in providing coverage for high-risk drivers.
• SR-22 Filing: Assists with SR-22 filings for drivers who need it. Look for our Dairyland auto insurance review.
• Flexible Policies: Offers flexible payment plans and coverage options.

Cons

• Higher Costs: Typically more expensive than mainstream insurers.
• Customer Service Issues: Some complaints regarding customer service and claims handling.

Requirements for Car Insurance for Foreigners in the USA

Kind of Coverage for Car Insurance for Foreigners in the USA

Purchasing Car Insurance for Foreigners in the USA

International Driver’s License for Driving in the USA

Understanding Car Insurance for Foreigners in the USA

When planning your visit to the U.S., consider these points:

1. Unless you’re entering from Canada or Mexico, you might need an international driver’s license, obtainable from your home country.
2. You don’t need a local social security number (SSN) to apply for auto insurance in the U.S.
3. Short-term tourist auto insurance in the USA can be costly; long-term insurance may be more economical.
4. Non-U.S. citizens usually face higher auto insurance rates due to perceived higher risk.
5. Regardless, some form of insurance coverage is necessary for driving in the U.S., so compare quotes for the best options.