Cheap Auto Insurance Companies That Will Cover a New Driver With a Green Card in 2024
Affordable auto insurance from auto insurance companies that will cover a new driver with a green card can be costly for immigrants. Companies will consider immigrants as "new drivers" and will reflect their rates as such. However, there are a few companies that offer extended safe driving discounts that can help ease these costs when buying auto insurance from auto insurance companies that will cover a new driver with a green card.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
UPDATED: Oct 29, 2024
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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 auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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: Oct 29, 2024
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 auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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
- Most insurance companies will consider immigrants as “new drivers” since they don’t have an established driving history or credit score
- A lot of insurance companies offer safe driving discounts to help with covering higher rates
- New drivers have higher insurance rates regardless of immigration status
Getting auto insurance as an immigrant can be time-consuming and confusing. Millions of immigrants live and work inside of the U.S. and, like most people, need a vehicle to get around in.
Thankfully, there are a few auto insurance companies that will cover a new driver with a green card.
Each state’s laws are different but all require mandatory minimum coverage for all licensed drivers. Sometimes the process for insurance can be lengthy, so temporary auto insurance is a good placeholder in the meantime.
Keeping reading for more information on affordable auto insurance from auto insurance companies that will cover a new driver with a green card. Enter your ZIP code into our free and easy-to-use tool to start comparing quotes today.
Auto Insurance Companies That Will Cover A New Driver With A Green Card
In a recent study done by The American Immigration Council, an estimated 44.9 million immigrants are living in the U.S., representing 14.1% of the total population.
In most states, immigrants will be seen as “new drivers”. This means that without any kind of U.S.-related driving record or credit score, insurers will consider this a risk when determining rates.
Unfortunately, this may end up costing you more in your policy than most other people.
However, this doesn’t mean that you won’t qualify for auto insurance coverages. There are plenty of insurance companies that provide affordable auto insurance for visa holders.
Auto Insurance for Immigrants
| Company | Offers |
|---|---|
| Allstate | Offers Drivewise Safe Driving policy that allows up to $100 off policy each year without an accident |
| Farmers | Provides safe driving courses and driver training discounts that help prove their skills on the road to lower their monthly rates |
| Kemper | Residents in both California and New Mexico are eligible to apply regardless of citizenship status; also offers discounts on safe driving after six months |
| State Farm | Provides offers for safe driver discounts after the first six months of wreck-free driving |
When it comes to buying auto insurance from auto insurance companies that will cover a new driver with a green card, there are plenty of ways to save, especially when taking advantage of discounts.
Taking a defensive driving course or a general driver training course could potentially help you knock up to 30% off your annual rates.
Other companies that offer extended discounts for safe driving are:
Save Driver Discounts Offered by Auto Insurance Providers
| Company | Discount |
|---|---|
| 21st Century Insurance | Offers a 10% insurance reduction to those who complete a state-approved defensive driving course |
| AAA | Provides a 10% discount on collision, liability, and no-fault insurance after you complete an online defensive driving course |
| American Family Insurance | Provides discount for those who can take a state-approved defensive driving course to qualify for a 10% insurance reduction that is good for three years |
| Geico | Take an approved online defensive driving course and qualify for 10% insurance reduction |
| Metlife | Provides a 10% insurance reduction after taking a state-approved online defensive driving course; also offers 15% off to high school/college students with good grades, and a 12- 20% discount to drivers who steer clear of claims and violations for five years |
| Nationwide | Provides those who take a DMV-approved defensive driving course receive a 10% insurance discount for three years; other discounts are available for people with a safe driving record and teens who maintain good grades |
| Travelers | Provides a 10% insurance discount to those who complete a defensive driving course voluntarily, a 23% discount for safe driving, or up to 13% off for holding multiple insurance policies |
| USAA | Provides a 10% discount for completing a state-approved defensive driving class, that remains in effect for three years; company also offers a loyalty program for drivers, along with a discount for accident-free drivers |
For some auto insurance companies that don’t cover a new driver with a green card, most will offer some kind of discount for safe driving, so check with your insurance policy to see which discounts you may be able to qualify for.
Mandatory Auto Insurance Coverage For Immigrants
Each state will have its own minimum coverage requirements for U.S. citizens, but across all states, all immigrants are required to have insurance policies that are mandated by federal law.
These include:
- Property damage liability: pays for any damage to the property of another person that is caused by the policyholder or their vehicle
- Bodily injury liability: this coverage is essential; it will pay for any medical bills arising from an accident with the policyholder
- Personal injury protection: protects against injuries that may be sustained by the driver or passengers in the insured vehicle; much like bodily injury liability, PIP is an item that should be essential
Most of these will be covered under comprehensive and liability coverage, which almost all insurance companies carry.
This will make shopping around for auto insurance rates from auto insurance companies that will cover a new driver with a green card much easier in the long run.
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Frequently Asked Questions: Auto Insurance Companies That Will Cover A New Driver With A Green Card
#1 – Do you need any special requirements for driving outside the U.S.?
As with immigrants that travel in the U.S., there are similar requirements if you want to travel through Europe with your vehicle.
Like in the U.S., as a UK resident, having a green card is a must when traveling throughout Europe. All UK car insurance policies must have a minimum requirement of comprehensive coverage from a third-party insurer.
Since the UK’s leave from the EU, there have been major changes when it comes to safe traveling out of the country.
A Green Card is an international certificate of insurance and must be provided if a UK citizen chooses to travel outside the country with their own vehicle.
A Green Card lasts up to 90 days, and insurance companies like Admiral Car Insurance are providing a free Green Card to their customers under their Admiral Insurance Green Card Act.
This insures and covers drivers if any accident were to occur outside of the country.
Drivers towing a trailer or caravan will need an additional Green Card to prove that the vehicle being towed is also properly insured, and annual Green Card insurance may be necessary for the future.
Auto Insurance Companies That Will Cover A New Driver With A Green Card: Key Takeaways
Car insurance for immigrants may seem much higher than the average U.S. citizen, and that may be from a lack of driving history and credit score.
For insurers, these two components are what make a consumer seem risky, and not many insurance companies are willing to take on that risk.
Fortunately, there are plenty of insurance companies that do offer benefits that you can qualify for after buying your policy.
Things like safe driving discounts and outside courses will help establish a good pattern of driving history to later on lower your rates.
New drivers can save on auto insurance quotes from auto insurance companies that will cover a new driver with a green card by comparing different quotes in their area.
Read more: Cheap Auto Insurance Companies That Beat Quotes
Enter your ZIP code in our free and easy-to-use tool below to start comparing today.
Frequently Asked Questions
Can new drivers with a Green Card find affordable auto insurance coverage?
Yes, new drivers with a Green Card can find affordable auto insurance coverage. While some insurance companies may consider new drivers to be high-risk and charge higher premiums, there are insurance providers that offer competitive rates specifically for new drivers with a Green Card.
Which auto insurance companies are known for providing affordable coverage to new drivers with a Green Card?
Several auto insurance companies cater to new drivers with a Green Card and offer cost-effective coverage options. Some popular insurance providers known for their competitive rates include:
- Geico
- Progressive
- State Farm
- Allstate
- Farmers Insurance
How can I find the cheapest auto insurance for a new driver with a Green Card?
To find the cheapest auto insurance for a new driver with a Green Card, it’s essential to compare quotes from different insurance companies. You can visit the websites of the insurance providers mentioned above or use insurance comparison websites to obtain multiple quotes quickly. Additionally, consider contacting local insurance agents who can provide personalized assistance in finding the best and most affordable coverage options for your specific situation.
Are there any specific documentation requirements for new drivers with a Green Card?
Documentation requirements for auto insurance coverage may vary depending on the insurance company and state regulations. Generally, you will need to provide the following:
- Valid driver’s license
- Proof of residency, such as a Green Card
- Vehicle information, including registration and VIN (Vehicle Identification Number)
- Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)
Can a new driver with a Green Card get insured without a Social Security Number (SSN)?
Yes, it is possible for a new driver with a Green Card to get insured without a Social Security Number (SSN). Some insurance companies may accept an Individual Taxpayer Identification Number (ITIN) as an alternative to an SSN. However, not all insurance providers offer this option, so it’s essential to inquire with different companies to find the one that can accommodate your specific needs.
Compare Quotes From Top Companies and Save
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
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.