To drive a car in the United States, you must have auto insurance in order to drive in the country. It’s important to understand the kind of coverage you require because an international driver’s license requires auto insurance in the US.
The required insurance can be obtained from the rental company if you’re a temporary visitor and wish to rent a car. However, if you intend to stay for an extended period of time, you might need to get non-US citizen motor insurance from an insurance provider based in the US.
What is an International Driving Permit (IDP)?
An IDP, also referred to as an international driving permit, is a document you can get from your home country to show that you have a license.
However, in the US, an IDP is not regarded as a legal driver’s license. Instead, it is a translation of your driver’s license from another country. Additionally, the original driving license from your home country must always be included.
To get a legitimate driver’s license, you must also meet the driving standards of your native country.
How do you get an IDP?
You can apply for an International Driving Permit (IDP) if you are at least 18 years old and have a valid driver’s license. To obtain your IDP, you will need to check with the department of transportation and the regulations of your respective country.
Also, make sure you get your IDP before you arrive in the United States. You can only get an IDP from the country where your license was originally issued.
What are the insurance requirements in the US?
It is better to buy or lease a car rather than rent one if you intend to stay in the United States for a longer period of time.
You must have a valid driver’s license and non-US citizen auto insurance that complies with state regulations in order to drive in the United States. The majority of states mandate that drivers have liability insurance, which varies from state to state but often covers protection against both property damage and personal injury.
Can I buy auto insurance for my vehicle if I am not a US resident?
YES. If you can meet the license requirements within 60 days, most insurance companies will issue you a standard policy even if you have a foreign license.
You can use online resources to be ready for a driving test if you wish to get a license but are not a US citizen. The insurance provider will cancel your policy and issue a refund if, after 60 days, you are still unable to meet the licensing criteria.
How to get car insurance for a non-US citizen with an international license?
Your ability to drive in the United States is demonstrated by your international driving permit. However, some states demand that you possess both your international license and your IDP.
It may be easy to purchase auto insurance if you have an IDP and your international driver’s license is valid.
Types of auto insurance coverage in the US
- Liability coverage: Liability covers the other driver’s bodily injury and any property damage if you are at fault in an accident.
- Collision Coverage: Protects you if you are at fault in a collision and your car is damaged.
- Comprehensive Coverage: Provides protection against weather-related damage, theft, animal/vehicle collisions, and vandalism.
- Underinsured/Uninsured Motorist Coverage: This helps you pay for medical bills and even covers property damage if the other at-fault driver doesn’t have auto insurance.
- Personal Injury Protection: PIP covers the cost of your medical treatment after a collision, regardless of who is at fault.