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Can I buy car insurance without a social security number?


Question: Can I buy car insurance without a social security number?

Answer: Yes, you can buy insurance without a social security number with some companies. However, insurance companies will require you to have a US driver's license which depending upon state laws of the state in which you reside in, you may be required to have a SSN in order to obtain a license. 

On CarInsurance.com's website SSN is optional during the purchase process with some carriers and required with others. If you don't have a social security number and it is required then you can call our service center and they will assist you so you can purchase a policy.

Every state has different laws pertaining to the requirements of getting a drivers license. You should contact your state's drivers license office to see their requirements if you do not already have a US license.

In the past the Social Security Administration was able to give an SSN in order to allow persons to get a drivers license. They can no longer assign an SSN to a non-citizen solely for the purpose of obtaining a driver's license. Non-citizens otherwise ineligible for an SSN can, however, obtain one for purposes other than employment when:

  • A Federal statute or regulation requires the non-citizen to provide an SSN to get a particular benefit or service; or
  • A State or local law requires the non-citizen to provide a SSN to get general assistance benefits.

CarInsurance.com uses insurance companies that check credit-based insurance scores as a factor in your insurance rate. We also have carriers that don't use credit in their calculations in some states.

There are controversies over the use of credit scores for rating, but the bottom line is that insurance companies have not been able to find a better indicator of risk other than using a simple credit-based insurance score.. It is not less controversial than the use of sex or marital status as a factor. Each of these items have come under public scrutiny as biased and a form of profiling. Insurance companies are trying to assign a rate to a risk pool. They work hard to segment risks and help the pool by having those contributors pay their equal share.

If you need insurance now you should be able to start your policy as long as you can obtain a US driver's license within 30 days, if you do not already have one. Compare insurance companies to make sure you are getting the best possible rate.

Comment Update: Some companies DO require a SSN in order to buy insurance, only because their systems need it to calculate an insurance score. Therefore, with those carriers if your religious beliefs forbid you from "taking on a number" then the answer above explains that. It may not be the answer you wanted, but you can buy with some carriers without providing a SSN. Those carriers use your address and name in order to calculate a credit/insurance score. If you don't have a social security number or don't want to provide it then you can call our service center and they will assist you so you can purchase a policy.


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5 Responses to "Can I buy car insurance without a social security number?"
  1. Visitor

    The insurance companies figure that people with poor credit are more likely to file a claim. It's just discrimination.

  2. Visitor

    I have great credit and until I gave SSN I was getting good rates. If believe if they see you have no debt they will increase your rates.

  3. Anonymous

    It really doesnt help me with my ´╗┐´╗┐Fundamental question. Can someone purchase auto insurance without a Socialist (in) Security number. My religious beliefs forbid me from "taking on a number" and this answer really doesn't provide with an appropriate response.

  4. Anonymous

    very true

  5. Anonymous

    The answer does not state why a US citizen who already has a drivers license needs to provide a SSN, nor does it advise on how the insurance companies are profiling customers and anchoring rates based on credit scores.