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...