Affordable Auto Insurance Quotes for Undocumented Immigrants (2023)
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.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Leslie Kasperowicz
Farmers CSR for 4 Years
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...
Farmers CSR for 4 Years
UPDATED: Jun 6, 2022
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 insurance industry 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: Jun 6, 2022
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 insurance industry 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.
On This Page
| Undocumented Immigrants Auto Insurance Facts | Details | Source |
|---|---|---|
| Number of States that Allow Undocumented Immigrant Licenses | 15 | NCSL |
| Countrywide Cost of Insurance | Liability: $516.39 Collision: $299.73 Comprehensive: $138.87 | NAIC |
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.
| Companies | Average Annual Rates with Low Coverage | Average Annual Rates with Medium Coverage | Average 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 |
Rates will also depend upon your driving history, age, credit history, and vehicle.
Compare over 200 auto insurance companies at once!
Secured with SHA-256 Encryption
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.
Free Auto Insurance Comparison
Compare over 200 auto insurance companies at once!
Secured with SHA-256 Encryption
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.
Compare over 200 auto insurance companies at once!
Secured with SHA-256 Encryption
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.
Compare over 200 auto insurance companies at once!
Secured with SHA-256 Encryption
Leslie Kasperowicz
Farmers CSR for 4 Years
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...
Farmers CSR for 4 Years
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.