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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 U.S. driver's license, which, depending on your state laws, you cannot obtain without having a social security number.

Some companies you can find through CarInsurance.com make your SSN optional during the purchase process, while others require it. If you don't have a social security number and it is required, then you can call our service center at 855-430-7753, and they will assist you so you can purchase a policy.

Every state has different laws pertaining to the requirements of getting a driver's license. You should contact your state's driver's license office to see their requirements if you don't already have a U.S. license.

In the past, the Social Security Administration was able to give an SSN in order to allow persons to get a driver's 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 an SSN to get general assistance benefits.

In recent years, several states have passed laws allowing unauthorized immigrants to obtain a driver's license. These drivers are without social security numbers but can obtain a license and need to obtain car insurance.

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.  Even without a SSN, some insurance companies will use your name, date of birth and address to obtain an insurance score (based partly on your credit rating).

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 gender 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 U.S. 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.

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4 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

    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.

Disclaimer: Answers and comments provided are for information purposes. They are not intended to substitute informed professional advice. These responses should not be interpreted as a recommendation to buy or sell any insurance product, or to provide financial or legal advice. Please refer to your insurance policy for specific coverage and exclusion information. Please read our Terms of Service.

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