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Do all car insurance companies ask for your social security number?


Question: Do all auto insurance companies ask for a Social Security number, and what does that have to do with my driving record?

Answer: Not all car insurance companies ask you for your Social Security number (SSN) as part of the quoting or application process, but most will. Your Social Security number doesn't have anything to do with your driving record, but it does help the insurer pull the reports that help determine your rates. 

The online insurance quotes process has two steps: getting a quote and purchasing a policy. One reason a Social Security number is usually required is because it makes it easier to pull reports that verify the information you have given during the quoting process and help finalize the actual premium amount you will pay. Auto insurance companies can use your name and home address to pull your motor vehicle record, but there they have a much higher accuracy if they also use your Social Security number.

Another reason your SSN may be needed is so the insurance company can run a credit check. Credit history has been shown to be a good predictor of insurance claims. Many auto insurance companies use insurance scores based on your credit report, and if your credit is not verifiable, you may pay a higher car insurance rate. Those carriers that don't require a SSN will use your address and name in order to calculate an insurance score.

If you do not have a Social Security number, and one is required for you to get a quote, call our service center at 1-855-430-7753 and our agents can assist you.

CarInsurance.com does partner with insurance companies that check credit-based insurance scores as a factor in your insurance rate. There are also carriers, in some states, that don't use credit in their calculations. In California, Massachusetts and Hawaii, state law does not allow car insurance companies to use credit score to determine rates.

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2 Responses to "Do all car insurance companies ask for your social security number?"
  1. Dianne Carter

    My father is 92 and homebound. His car is in his name, but is driven only by his caregiver to run errands and take him to MD appts. Although he no longer drives, his rate is high because of his age. Can anything be done about this? Thank you.

    1. Mason September 20, 2019 at 10:34 AM

      I would suggest taking advantage of the mature driver discount for senior if his insurance carrier offer it. Also the declared annual mileage would make a difference if the vehicle is not being driven much in a year. Take advantage of if the multi policy discount. If he doesn't own a home then get renters insurance. Most of the time the discount ends up paying out for the renters policy itself and give you some discount still to the auto policy. It wouldn't hurt to just get a quote or inquire about the discounts.

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