Do I need foreigner car insurance in the US?

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Frequent travelers often find themselves with questions regarding car insurance. If you are a non-citizen visiting the United States for any reason, you will need to check with your insurance company to see what the regulations are regarding driving outside your home country. If your policy does not cover you while you're in the United States, you may need to purchase foreigner car insurance in the U.S.

Most insurance companies in the United States will give you short-term car insurance as long as you have a driver's license and an address to send the bill to. Whether the license is foreign or domestic does not usually matter. However, if you plan to be in the U.S. for more than 30 days, the insurance company may ask that you obtain a non-citizen's driver's license.

If it is your car that you will be driving for the duration of your stay, it is wise to bring along the title and registration. It may not be necessary to have, depending on the insurance company, but it's best to be prepared for the possibility.

If you will be renting a car, you can purchase a traveler’s car insurance policy to provide protection when you are driving a vehicle you do not personally own.

Auto insurance quotes for policies that will be bought for short periods of time can seem costly compared to your regular car insurance. The reason for this discrepancy in insurance rates is that the company is usually insuring you with no prior knowledge of your driving record and other factors that, in a domestic insurance policy, would have a lot of weight. If you plan to be driving in the U.S. for longer than 30 days, you may want to look into purchasing a more traditional car insurance policy in order to save some money.

Purchasing short-term foreigner car insurance for your visit isn't difficult, but there is a way to avoid the task if you so desire. Another option altogether is using the car of a friend, if that is possible, while you are visiting the U.S. Since insurance policies usually follow the vehicle, you will be covered while driving. However, the downside is that if you were to get into an accident, the policy holder's rates will likely go up.

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