How Car Insurance Works for Expats in the U.S. (2025 Guide)

How Car Insurance Works for Expats in the U.S. (2025 Guide)

If you're an expat planning to drive in the United States in 2025, understanding auto insurance is more than a legal formality — it’s financial protection.

🚗 Do Expats Need Car Insurance?

Yes — every driver in the U.S. must carry at least minimum liability insurance, regardless of citizenship status.

• Renting a car → insurance is usually bundled or optional
• Buying a car → you'll need to get your own policy

📋 Minimum Requirements (Vary by State)

State	Minimum Liability (Bodily Injury / Property Damage)
California	$15,000 / $30,000 / $5,000
New York	$25,000 / $50,000 / $10,000
Florida	$10,000 / $20,000 / $10,000
Texas	$30,000 / $60,000 / $25,000

Each state has its own minimum — but buying more is often smarter.

🧾 What Documents Do Expats Need?

• Valid international or U.S. driver’s license
• Proof of address (hotel, lease, host)
• Passport and visa
• Driving record (translated if not in English)

Some insurers may accept no driving history but charge higher premiums.

💡 Best Car Insurance Providers for Expats

• Geico – Known for flexible expat support
• Progressive – Easy online application for foreign licenses
• Liberty Mutual – Offers international policies and bundles
• State Farm – Good for long-term expats with U.S. address

🧭 Tips for Expats Driving in the U.S.

• Start with a 6-month policy to test pricing
• Ask for international driver programs
• Consider telematics or pay-per-mile if you drive less
• Build U.S. driving history for lower rates in the future

Driving in the U.S. is freedom — just make sure you’re covered.