Can You Get Car Insurance With an ITIN Number?
Yes — many major insurers accept an ITIN (Individual Taxpayer Identification Number) instead of a Social Security Number to open a policy.
An ITIN is issued by the IRS for tax purposes. It is a 9-digit number starting with the digit 9. It is not a work permit or immigration document.
Using your ITIN for insurance is legal and common. It does not trigger any immigration enforcement action. Insurers are not immigration agencies.
Learn more about ITINs at the official IRS ITIN page.
Which Major Insurers Accept an ITIN for Car Insurance?
Several well-known insurers are known to accept ITINs, though policies vary by state and agent. Always confirm directly when you call or apply online.
Progressive, State Farm, and Geico have accepted ITINs in many states. Some regional and non-standard insurers specialize in coverage for immigrants and may be more flexible.
Requirements vary. Some insurers accept an ITIN plus a foreign license. Others require a US license. Rates vary — get a quote to find your actual cost.
The National Association of Insurance Commissioners (NAIC) can help you verify that any insurer is licensed in your state.
Is Your Personal Information Safe When You Use an ITIN?
Yes. Insurance companies are legally required to protect your personal data. They are not permitted to share it with immigration authorities.
The Gramm-Leach-Bliley Act requires insurers to keep your financial and personal information private and secure.
Buying a car insurance policy does not give ICE or any government agency access to your information. Your ITIN is used for identification only.
You can safely provide your ITIN, address, and vehicle information when applying for coverage without fear of immigration consequences.
What Else Do You Need Besides an ITIN to Get Insured?
Most insurers will also ask for your driver license, vehicle registration, and basic vehicle information when you apply for a policy.
If you do not have a US license, some states allow undocumented immigrants to obtain a state license. Check the NCSL list of states that issue licenses to undocumented immigrants.
California residents can apply for an AB 60 license. See the California DMV AB 60 fast facts for full details.
Some insurers also accept a foreign passport or consular ID as secondary identification alongside your ITIN. Requirements vary by state and insurer.
| Insurer | Accepts ITIN | SSN Required |
|---|---|---|
| State Farm | Yes | No - ITIN accepted as alternative |
| Progressive | Yes | No - ITIN or foreign ID accepted |
| Allstate | Yes | No - ITIN accepted at most locations |
| GEICO | Yes | No - ITIN accepted in most states |
| Farmers | Yes | No - ITIN accepted, varies by agent |
| Nationwide | Yes | No - ITIN accepted as identifier |
| Liberty Mutual | Yes | No - ITIN accepted in most states |
| USAA | Limited | Military families only - verify first |
Step-by-Step Guide
- 1
Get Your ITIN From the IRS
Apply for an ITIN at irs.gov if you do not have one. This number replaces an SSN for tax and financial purposes, including some insurance applications.
- 2
Find ITIN-Friendly Insurers
Not all insurers accept ITINs, but many do. Call insurers directly and ask if they accept an ITIN instead of an SSN when applying for a policy.
- 3
Get a Valid Driver License
Over 19 states allow undocumented immigrants to get a license. Check ncsl.org for your state. A valid license is required before any insurer will cover you.
- 4
Gather Your Documents
Have your ITIN letter, driver license, vehicle title or registration, and proof of address ready before contacting insurers or requesting quotes.
- 5
Request Quotes From Multiple Insurers
Rates vary widely. Contact at least three insurers that accept ITINs and compare coverage options. Do not accept the first offer without comparing others.
- 6
Choose Coverage and Buy Your Policy
Select at minimum your state required liability coverage. Ask the insurer to send proof of insurance immediately so you can carry it while driving.
- 7
Know Your Privacy Rights
Insurers cannot share your data with ICE. The Gramm-Leach-Bliley Act protects your information. Buying insurance will not put your immigration status at risk.
📋 Official Sources
Frequently Asked Questions
Yes, many major insurers accept an ITIN instead of an SSN to issue a car insurance policy. Progressive, GEICO, State Farm, and others allow ITIN applicants. Get quotes from multiple companies to compare.
An ITIN is a tax ID issued by the IRS to people who do not qualify for a Social Security Number. You apply by filing IRS Form W-7. Visit the IRS ITIN page at https://www.irs.gov/individuals/individual-taxpayer-identification-number to apply.
No. Insurance companies are not immigration enforcement and do not share customer data with ICE. Federal law under the Gramm-Leach-Bliley Act protects your private financial information from being disclosed without your consent.
You will typically need your ITIN letter from the IRS, a valid driver license, your vehicle registration, and proof of address. Requirements vary by insurer, so contact each company directly to confirm what they accept.
Yes, an ITIN does not indicate immigration status and insurers do not use it to verify status. If your state allows a driver license without SSN, you can use that license plus an ITIN to apply for coverage.
Progressive, State Farm, GEICO, Allstate, and many regional carriers are known to accept ITIN. Policies and requirements vary by state and agent, so always call ahead and confirm before applying.
No, a Social Security Number is not legally required to purchase car insurance in any US state. An ITIN or, in some cases, a foreign passport combined with a valid driver license may be accepted instead.
Some insurers accept a foreign driver license together with an ITIN, but many prefer a US state license. Check whether your state issues licenses to immigrants without SSN at https://www.ncsl.org/transportation/states-that-allow-unauthorized-immigrants-to-get-a-drivers-license for full state-by-state details.