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Can you get car insurance without a social security number (SSN)? Let's explore the options.

Can you get a car insurance quote without a SSN?


It is possible to get car insurance without a SSN — but availability may depend on your location and your insurance company of choice. Car insurance laws are enforced at the state level and may vary based on where you live. Finding auto insurance without a social security number will be easier and more affordable if you shop thoroughly, as some car insurance companies will be more lenient than others. Let’s explore tips for getting insurance without a SSN.


Getting car insurance without a social security card
  1. Getting a driver's license without a SSN
  2. Getting car insurance without a SSN




Driver's license without a SSN: state-by-state eligibility

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Car insurance is regulated at the state level. Below are the 12 states that allow “unauthorized immigrants” to obtain a driver's license. These are the states in which you can get a driver's license without a social security number. While a SSN is not necessarily a car insurance requirement, a driver's license almost always is necessary.

Each of these states may have other requirements, such as proof of a foreign driver's license or in-state tax returns. Some states allow you to apply for a driver’s license with an Individual Taxpayer Identification Number (ITIN). This route may be used by nonresident and resident aliens who cannot get a social security number. Visit the IRS website to obtain an ITIN and contact your state's Department of Motor Vehicles for more information on eligibility.


Why is a driver's license required for car insurance?

Auto insurance companies use your driver's license to run the driving history checks that influence your premium, along with factors like your history, location, and vehicle make and model.





Finding car insurance without a social security number


The first step toward getting auto insurance without a SSN is to contact your state's DMV to obtain a driver's license.

Next, shop around. Every insurance company has its own policy guidelines regarding who they will and will not write policies for. The easiest way to find a car insurance policy without a SSN is to consult an insurance agent who maintains relationships with multiple insurance agencies. You can do that with The Zebra by calling us directly at 888-444-8949 — press 1 to speak directly with an agent.


How to get car insurance quotes without a social security number

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If you're interested in viewing car insurance quotes without submitting your social security number or personal information, you can do that online. Submit your zip code in the widget below and click "Start" to get car insurance quotes from top companies.



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Additional resources


If you're looking for more information related to car insurance, see our guides below!

How to get car insurance with no credit history
Get a car insurance quote with a foreign driver's license
The RMV issues ID cards for customers who do not have a driver's license: a Massachusetts Identification (Mass ID) card or Liquor ID card.Types of Identification cards: Mass IDs and Liquor IDs | Mass.gov