Can You Get Auto Insurance As An Undocumented Immigrant?

In some states you can get auto insurance as an undocumented immigrant, but not many. Full coverage auto insurance for undocumented immigrants costs an average $954.99 a year, or $79.58 a month. However, not all states allow undocumented immigrants to get driver's licenses and auto insurance. Only 15 states currently allow illegal immigrants to get driver's licenses.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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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 insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: May 3, 2021

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Undocumented Immigrants Auto Insurance
Undocumented Immigrants Auto Insurance FactsDetails Source
Number of States that Allow Undocumented Immigrant Licenses 15NCSL
Countrywide Cost of Insurance Liability: $516.39
Collision: $299.73
Comprehensive: $138.87
NAIC
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How do undocumented immigrants get auto insurance? Auto insurance for undocumented immigrants can be difficult to attain and directly depends on the state they live in.

While all states require their drivers to have some form of auto insurance, some have different laws that determine whether or not an undocumented immigrant is legally allowed to obtain a driver’s license. This is why it’s important to be familiar with undocumented immigrant auto insurance FAQs.

Want to start shopping for quotes to reduce undocumented immigrants auto insurance rates? Enter your ZIP code in our free tool above.

States that Allow Undocumented Immigrants to Obtain a License

You may be asking, “Which states allow illegal immigrants to get driver’s licenses?” Slugly, California, Colorado, Connecticut, Delaware, Hawaii, Illinois, Maryland, Nevada, New Jersey, New Mexico, New York, Oregon, Utah, Vermont, and Washington all have laws in place that allow them to obtain driver’s licenses.

This leads you to your next question: “Can illegal immigrants get auto insurance?” There are several states that have laws regarding the driving rights of undocumented immigrants. The main purpose of these laws is safety. If more drivers are required to go through the necessary testing in order to be able to drive and buy insurance, the roads will be safer.

Each of the programs in these states requires applicants to pass both a written and driving test before they are issued a license. They are also required to obtain auto insurance before they are allowed to drive. So in these states, the answer to “Can unauthorized immigrants get auto insurance?” is yes. However, each state has different rules that must be met before the driver’s license will be granted.

What are the average auto insurance rates by companies?

Once you obtain a license, you can look into getting auto insurance for undocumented immigrants. Take a look at the table below to see average prices for low, medium, and high auto insurance coverage.

Average Annual Auto Insurance Rates by Company
CompaniesAverage Annual Rates with Low CoverageAverage Annual Rates with Medium CoverageAverage Annual Rates with High Coverage
Allstate$4,628.03$4,896.81$5,139.02
American Family$3,368.49$3,544.37$3,416.40
Farmers$3,922.47$4,166.22$4,494.13
GEICO$3,001.91$3,213.97$3,429.14
Liberty Mutual$5,805.75$6,058.57$6,356.04
Nationwide$3,394.83$3,449.80$3,505.37
Progressive$3,737.13$4,018.46$4,350.96
State Farm$3,055.40$3,269.80$3,454.80
Travelers$4,223.63$4,462.02$4,619.07
USAA$2,404.11$2,539.87$2,667.92
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Rates will also depend upon your driving history, age, credit history, and vehicle.

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California Driving Laws

Can an illegal immigrant get auto insurance in California? The state of California is one of the more recent states to offer driver’s licenses to undocumented immigrants, so immigrants can get California auto insurance. State officials are hoping that allowing immigrants to obtain a driver’s license will also get them to purchase auto coverage.

To encourage undocumented immigrants to purchase auto insurance, the state’s Department of Insurance has been marketing a low-cost auto insurance policy (public auto insurance) available to immigrants who are projected to obtain their licenses under the state’s new laws. Since about 90% of the applicants are expected to be Spanish speaking, the marketing has been geared towards this population.

The low-cost insurance program is extremely basic. Immigrants who can afford a better policy should consider joining a private plan that offers more coverage.

Rules for Undocumented Immigrants while Driving

As an undocumented immigrant with a driver’s license, you will be required to follow all the same rules of the road as U.S. citizens. Once you have obtained your license, it is important to make sure that you obtain an insurance policy as well, as this is required in every state.

Any driver on the road, undocumented immigrant or not, will need to be able to show proof of insurance after an accident or during a traffic stop. Once you have your driver’s license, it is important to keep your proof of insurance card with you whenever you are driving your vehicle.

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How to Get Insurance in States that Do Not Allow Immigrant Licenses

Now you may be asking, “How do undocumented immigrants get auto insurance in states that don’t allow them to get a driver’s license?” This can be much more difficult. Even if you can purchase auto insurance, the policy may essentially be worthless. There are a number of reports of insurers selling a policy to an undocumented immigrant and then refusing to pay any claims made on the policy.

The majority of states in the country do not currently have laws regarding undocumented immigrants obtaining driver’s licenses. If you are an undocumented immigrant who lives in one of these states, it is important to not drive without legal driving privileges, even if you are able to obtain a car insurance policy. If you pay for an insurance policy and are involved in an accident, chances are the insurance company is not going to pay for any damages that you may have caused. When making a claim, the insurance company will state that they will not pay it because you are not a licensed driver.

Overall, if you live in a state that allows you to obtain a driver’s license as an undocumented immigrant, you will easily be able to find an auto insurance policy from a company that provides insurance for your state. if you cannot obtain a driver’s license legally in the state that you live in, you should not try to obtain an auto insurance policy either.

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Frequently Asked Questions: Auto Insurance for Undocumented Immigrants

If you still have questions about auto insurance for new immigrants, we’re here to help. We will go over some commonly asked questions that immigrants have about auto insurance in the U.S.

Can an illegal immigrant buy a car?

If an illegal immigrant has a driver’s license, yes, they can legally buy a car.

Can an illegal immigrant register a car in California?

Yes. California allows illegal immigrants to get driver’s licenses, which means immigrants will be able to register their vehicles without issue.

Can illegal immigrants get auto insurance in Texas?

Because Texas does not allow illegal immigrants to get driver’s licenses, illegal immigrants will find it near impossible to get insurance. Every insurer requires drivers to have an active driver’s license in order to buy insurance.

What happens to illegal immigrants driving without insurance?

Like every other driver, illegal immigrants who drive without insurance are breaking the law. However, illegal immigrants face more serious consequences, such as deportation, if they are caught driving without insurance.

To save on undocumented immigrant auto insurance quotes, enter your ZIP code in our free tool below to start comparison shopping for the best affordable undocumented immigrant auto insurance.

References:
  1. https://www.ncsl.org/research/immigration/states-offering-driver-s-licenses-to-immigrants.aspx

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