I recently moved to the United States from a foreign country, and I had an excellent driving record in that country. Why are my auto insurance rates so high?
One of the biggest factors auto insurers use to determine your premium and your car insurance discounts is your driving record.
Other factors considered might include your age, where you live, and how many miles you drive each year.
Since you do not have a verifiable driving record in the U.S., your premiums will be higher until you establish a verifiable driving record. Once you drive in the U.S. for a few years and establish a safe record, your rates should go down.