Cheap Auto Insurance for Foreigners in 2025 (Save Big With These 10 Companies!)

The best companies for cheap auto insurance for foreigners are Geico, USAA, and Progressive, providing affordable coverage tailored to the needs of international drivers.

These companies prioritize customer service, ensuring that foreigners receive personalized assistance and support throughout their insurance journey.

Our Top 10 Company Picks: Cheap Auto Insurance for Foreigners

With a focus on delivering cost-effective solutions without compromising quality, these providers stand as the optimal choice for foreigners seeking peace of mind and financial security during their stay.

If you’re just looking for coverage to drive legally, enter your ZIP code above to compare cheap auto insurance quotes near you.

#1 – Geico: Top Overall Pick

Pros

• Wide Coverage Options: Geico offers a wide range of coverage options, including liability, collision, comprehensive, and more, allowing customers to tailor their policies to their specific needs.
• Competitive Rates: Geico auto insurance review highlights the company’s reputation for providing competitive rates in the auto insurance sector, potentially allowing customers to save on their premiums.
• User-Friendly Website and App: Geico’s website and mobile app are user-friendly and offer convenient features like online policy management, bill payment, claims filing, and digital ID cards.

Cons

• Limited Availability: Geico may not be available in all states, limiting its accessibility to some potential customers.
• Customer Service Concerns: Some customers have reported issues with Geico’s customer service, including long wait times and difficulty reaching representatives.

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#2 – USAA: Best for Military Discount

Pros

• Excellent Customer Service: USAA consistently receives high marks for its customer service, with dedicated representatives who are knowledgeable and responsive to policyholders’ needs.
• Competitive Rates: USAA SafePilot review showcases competitive auto insurance rates that can potentially save clients money when compared to other insurers.
• Member Benefits: USAA offers a range of benefits and discounts exclusively for its members, including savings on auto insurance premiums, banking services, and financial products.

Cons

• Membership Requirements: USAA membership is limited to current and former military members and their families, so not everyone is eligible to purchase insurance from USAA.
• Limited Availability: USAA may not be available in all states, restricting its accessibility to some potential customers.

#3 – Progressive: Best for Bundling Discounts

Pros

• Variety of Coverage Options: Progressive offers a wide range of coverage options to cater to diverse needs, including basic liability, comprehensive, collision, and additional options like roadside assistance and rental auto reimbursement.
• User-Friendly Online Tools: Progressive auto insurance review showcases its user-friendly website and mobile app, highlighting their ease of use for customers in managing policies, filing claims, and accessing resources.
• Discount Opportunities: Progressive provides various discounts such as multi-policy, multi-auto, safe driver, and bundling discounts, helping customers save on their premiums.

Cons

• Average Customer Service: While Progressive offers extensive online resources, some customers may find their customer service to be lacking in responsiveness or assistance.
• Premium Increases: Like many insurance companies, Progressive may raise premiums over time, which could lead to dissatisfaction among long-term customers.

#4 – Nationwide: Best for Customer Service

Pros

• Discount Programs: Nationwide provides various discount programs, including safe driver, multi-policy, and affinity discounts, helping customers save money on their premiums.
• Customizable Policies: Nationwide’s auto insurance review showcases its flexibility, enabling customers to customize their policies with a range of coverage options and additional features to match their specific requirements.
• Strong Financial Stability: Nationwide boasts high financial strength ratings, assuring customers of their ability to meet financial obligations and pay claims promptly.

Cons

• Higher Premiums: Some customers may find Nationwide’s premiums to be higher compared to other insurance companies, especially for certain coverage options.
• Claims Processing Time: Although Nationwide strives to process claims efficiently, some customers may experience delays in claim resolution, leading to frustration and inconvenience.

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#5 – State Farm: Best for Local Agents

Pros

• Wide Coverage Options: State Farm auto insurance review showcases an array of coverage options, from liability to collision and comprehensive, empowering customers to customize policies to their individual requirements.
• Excellent Customer Service: State Farm is known for its exceptional customer service, with a large network of agents who are readily available to assist customers with their insurance needs.
• Discount Programs: State Farm offers various discount programs, including multi-policy discounts, safe driver discounts, and discounts for vehicle safety features, helping customers save on their premiums.

Cons

• Potentially Higher Rates: While State Farm offers quality coverage, their premiums may be higher compared to some other insurance providers, particularly for certain demographics or regions.
• Limited Availability: State Farm may not be available in all states or regions, limiting options for potential customers who reside in areas where State Farm does not operate.

#6 – Farmers: Best for Comprehensive Coverage

Pros

• Customizable Policies: Farmers auto insurance review showcases the flexibility of their insurance plans, empowering customers to customize their coverage according to their individual requirements and preferences.
• Strong Financial Stability: Farmers has a solid financial stability rating, indicating their ability to meet their financial obligations and provide timely payouts for claims.
• Range of Discounts: Farmers provides various discount opportunities, including multi-policy discounts, safe driver discounts, and discounts for certain safety features in vehicles, helping customers save money on their premiums.

Cons

• Higher Rates for Some Demographics: While Farmers offers quality coverage, their premiums may be higher for certain demographics or regions compared to other insurance providers.
• Limited Availability: Farmers may not be available in all states or regions, limiting options for potential customers who reside in areas where Farmers does not operate.

#7 – American Family: Best for Customer Service

Pros

• Established Reputation: American is a well-known insurance provider with a long history in the industry, providing a sense of reliability and trustworthiness to customers.
• Wide Coverage Options: The company offers a variety of coverage options tailored to the needs of foreign drivers, ensuring they can find a policy that meets their specific requirements.
• Competitive Rates: Showcasing the cancellation process for American Family Auto Insurance, the company offers competitive rates, allowing international drivers to save money while maintaining essential coverage. To gain further insights, consult our comprehensive guide titled “How To Cancel American Family Auto Insurance?“

Cons

• Limited Availability: American may have limited availability in certain regions, potentially limiting options for foreign drivers depending on their location.
• Complex Pricing Structure: Some customers may find American’s pricing structure complex to navigate, making it challenging to understand the full cost of coverage.

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#8 – The General: Best for Online Convenience

Pros

• Accessibility: The General is known for providing auto insurance to drivers with less-than-perfect driving records, making it accessible to foreign drivers who may have difficulty obtaining coverage elsewhere. For additional details, explore our comprehensive resource titled “Auto Insurance Coverage Types.”
• Quick Quotes: The General offers quick and easy online quotes, allowing foreign drivers to get an idea of their potential insurance costs without extensive paperwork or waiting periods.
• Flexible Payment Options: The company offers flexible payment options, including low down payments and monthly installment plans, making it easier for foreign drivers to manage their insurance expenses.

Cons

• Limited Coverage Options: The General may have limited coverage options compared to other insurance providers, potentially restricting choices for foreign drivers who require specific types of coverage.
• Mixed Customer Service Reviews: Some customers have reported mixed experiences with The General’s customer service, citing issues with responsiveness and communication.

#9 – Allstate: Best for Comprehensive Coverage

Pros

• Wide Range of Coverage Options: Allstate offers a variety of coverage options, including liability, collision, comprehensive, and more, allowing customers to customize their policies to suit their needs.
• Numerous Discounts: Allstate provides various discounts for factors such as safe driving, bundling policies, and vehicle safety features, helping customers save money on their premiums.
• Innovative Technology: Allstate highlights savings with Drivewise, tracking habits to cut rates for safe driving. To learn more, explore our comprehensive resource titled “How To Cancel Allstate Auto Insurance.“

Cons

• Higher Premiums: Allstate’s premiums may be higher compared to some other insurance providers, especially for drivers with less-than-perfect driving records.
• Limited Customer Service Options: Some customers have reported limited availability or long wait times when contacting Allstate’s customer service.

#10 – Liberty Mutual: Best for Safe-Driving Discounts

Pros

• Customizable Policies: Liberty Mutual offers customizable policies with a wide range of coverage options, allowing customers to tailor their coverage to their specific needs. To delve deeper, refer to our in-depth report titled “Liberty Mutual vs USAA Auto Insurance.”
• Discount Opportunities: Liberty Mutual provides various discounts, such as for bundling policies, safe driving, and vehicle safety features, helping customers save on their premiums.
• User-Friendly Website and App: Liberty Mutual’s website and mobile app are user-friendly, offering convenient access to policy information, claims filing, and customer service.

Cons

• Mixed Customer Service Reviews: Some customers have reported mixed experiences with Liberty Mutual’s customer service, citing issues with responsiveness and claims processing.
• Limited Availability: Liberty Mutual may not be available in all areas, limiting options for customers in certain regions.

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Insuring the Drive: Navigating Auto Insurance for Foreigners

Foreign nationals visiting the U.S. can generally purchase auto insurance without much difficulty. Many major insurance companies offer coverage for international drivers, requiring only a valid driver’s license, which can often be the original license from their home country. If the original license is not accepted, obtaining an International Driving Permit (IDP) is an option.

Policy terms typically range from six to 12 months, but shorter options like three-month policies may be available. For those renting a auto during their visit, insurance coverage can usually be acquired through the rental company for the duration of their stay.

Auto Insurance Monthly Rates for Foreigners by Coverage Level & Provider

For foreigners seeking auto insurance in the U.S., monthly rates vary based on coverage level and provider. Minimum coverage rates range from $68 with Geico to $80 with Liberty Mutual, while full coverage rates span from $135 with USAA to $160 with Liberty Mutual.

Providers like Allstate, American Family, Farmers, Nationwide, Progressive, State Farm, and The General fall within this range, offering competitive rates tailored to different coverage needs. To broaden your understanding, explore our comprehensive resource on insurance coverage titled “How much auto insurance coverage do you need?”

Short-Term Visitor’s Guide: Navigating Auto Insurance Requirements for Foreigners

If you’re visiting the U.S. for a short period, having auto insurance is essential for driving, regardless of your duration of stay. Opting for coverage through a rental auto company is often the simplest solution for tourists staying only a few days or weeks. Additionally, some credit card companies offer rental auto insurance coverage when you use their card for booking.

Popular cards like Chase Freedom Flex, United Club Infinite, and Capital One Venture X Rewards are known for providing such benefits. This alternative can sometimes offer more competitive rates compared to those offered directly by rental companies, making it worth considering when planning your trip.

Explore auto insurance discounts tailored for foreigners from leading providers. With options from Allstate, American Family, Farmers, Geico, Liberty Mutual, Nationwide, Progressive, State Farm, The General, and USAA, finding savings is easier than ever.

From safe driver discounts to multi-policy incentives and perks for good students, each provider offers a range of ways to save. Whether you’re a military member, a new driver, or seeking benefits for multiple vehicles, there’s a discount waiting for you.

Navigating Auto Insurance: Essential Considerations for Long-Term Visitors for Foreigners

If you plan to buy or lease a auto while spending time in the U.S., you’ll need an insurance policy that meets the requirements of the state you’ll be staying in. Many states require that you get a U.S. license to purchase an insurance policy if you’ll be living and driving in the country for more than six months. The table below shows the requirements for coverage in each state.

Minimum Liability Auto Insurance Coverage Requirements by State

As you can see, most states require at least property damage and bodily injury liability. Some states require additional coverage, like personal injury protection (PIP), medical payments (MedPay), and uninsured/underinsured motorist coverage. 

If you are traveling in several U.S. states, you should consider carrying more than a liability policy to ensure you’re adequately covered. Adding collision and comprehensive coverage to your liability policy will help make sure your vehicle is covered if you’re in an accident or if your auto is damaged due to something like theft, vandalism, or inclement weather. 

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Simplifying the Process: Navigating Auto Insurance for Foreigners

Plenty of companies in the U.S. offer auto insurance to noncitizens, but everyone applying for an auto insurance policy must have a valid driver’s license. Each state in the U.S. has laws regarding foreign visitors who plan to drive and insure their vehicles. Some states allow you to drive with an international license, while others require that you get an IDP. 

To get an IDP, you should apply before you begin your travels. You will need a valid passport and license in your home country to be eligible for an IDP. Once you apply for an IDP, getting your official permit in the mail could take several months. Once you have the proper identification, you can purchase a auto insurance policy. But don’t be surprised if you pay more for coverage because you’re a foreign driver.

Exploring Rates and Factors: Unlocking Auto Insurance Costs for Non-U.S. Citizens

Understanding the intricacies of auto insurance costs for non-U.S. citizens involves delving into various factors that influence premiums. These factors extend beyond mere nationality and encompass elements such as driving history, the type of vehicle being insured, and the coverage options selected.

Additionally, considerations like the duration of stay in the U.S., the state of residence, and any special circumstances, such as international driving permits or visa types, play significant roles in determining insurance rates. For a comprehensive analysis, refer to our detailed guide titled “How much does auto insurance cost?”

By exploring these factors comprehensively, individuals can gain insight into the nuanced landscape of auto insurance costs, empowering them to make informed decisions tailored to their unique circumstances and needs.

Case Studies: Navigating Auto Insurance for Foreigners

Navigating auto insurance as a foreigner in a new country can be a daunting task, filled with unique challenges and considerations. In this series of case studies, we explore the experiences of individuals from around the world as they seek insurance coverage while visiting or residing in the United States.

• Case Study #1 – Navigating Insurance as a Short-Term Tourist: Maria, a Spanish tourist in the U.S. for three weeks, got auto insurance from the rental company for her short stay, a convenient and affordable choice. For a comprehensive overview, explore our detailed resource titled “Buying Rental auto Insurance: What You Need To Know.”
• Case Study #2 – Securing Long-Term Coverage: Ahmed, an Egyptian exchange student in the U.S. for a year, bought a auto for convenience. With help from his university’s international student office, he got auto insurance to meet state rules and cover his stay.
• Case Study #3 – Exploring Discounts Abroad: Li, a Chinese business traveler, found a way to cut his U.S. auto insurance costs by using rental auto insurance benefits from his credit card company during his frequent visits.
• Case Study #4 – Meeting State Requirements: Elena, a Russian tourist on a U.S. road trip, carefully secured insurance tailored to meet the diverse legal requirements of each state she’d explore.
• Case Study #5 – Finding Affordability as a New Resident: Diego, a recent immigrant from Mexico, moved to the U.S., got a driver’s license, and found affordable insurance despite limited credit and no prior U.S. driving record.

Whether visiting for a short time or settling in for the long haul, each individual’s story highlights the importance of understanding state requirements, exploring available discounts, and comparing quotes to find the right coverage.

By sharing these experiences, we hope to empower others facing similar challenges to make informed decisions and find peace of mind on the road.

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The Bottom Line: Auto Insurance for Foreigners

This guide offers insights into finding auto insurance for foreigners visiting or residing in the United States. It covers key aspects such as eligibility requirements, coverage options, and factors influencing insurance costs. Foreign nationals can typically purchase auto insurance with a valid driver’s license from their home country or an International Driving Permit (IDP).

For short-term visitors, rental auto companies or credit card benefits offer coverage, while long-term stays may require personal auto insurance. Rates fluctuate depending on driving history, coverage requirements, and length of stay. The guide features top insurance providers and tips for saving on premiums. For detailed information, refer to our comprehensive report titled “How To Lower Your Auto Insurance Rates.”

Explore your auto insurance options by entering your ZIP code into our free comparison tool below today.

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