International students can buy car insurance in the United States, but it often costs more than for local drivers. You usually have no U.S. driving record or credit history, and many students are under 25. The good news is that a few smart choices can cut your premium significantly.
Quick Answer
- Almost every state requires at least liability insurance before you drive.
- You can often get a policy with a home-country license, an International Driving Permit (IDP) or a U.S. state license. Rules differ by state and insurer.
- Getting a U.S. state driver's license usually lowers your rate.
- Drivers under 25 pay much more. One recent comparison found average rates of about $186 a month for liability and $351 for full coverage for drivers under 25.
Which License Can You Use?
- Home-country license: valid for a limited time in many states. Some insurers accept it.
- International Driving Permit: a translation of your license. Get it in your home country before you travel, because the U.S. does not issue IDPs to visitors.
- U.S. state license: required in some states once you become a resident. It also makes insurance easier and cheaper.
Check your state's department of motor vehicles for the exact rules where you study.
Types of Coverage
| Coverage | What it pays for | Do you need it? |
|---|---|---|
| Liability | Damage and injuries you cause to others | Required in almost every state |
| Collision | Damage to your car in a crash | Required by lenders if you finance or lease |
| Comprehensive | Theft, fire, weather and vandalism | Recommended for newer cars |
| Uninsured motorist | Your costs if the other driver has no insurance | Required in some states, recommended everywhere |
| Medical payments / PIP | Medical bills for you and passengers | Required in no-fault states |
"Full coverage" usually means liability plus collision and comprehensive.
Insurers That Work With International Drivers
Progressive, State Farm and Dairyland are known to insure international drivers, and pay-per-mile options exist in some states. Availability varies, so get quotes from at least three companies.
How to Lower Your Premium
- Get a U.S. license as soon as you are eligible.
- Ask if your home-country driving history counts. Some insurers consider it with proof.
- Choose a higher deductible if you can afford it after a claim.
- Drive a modest, safe car. Expensive or powerful cars cost more to insure.
- Ask for discounts: good student, driver training, safe driving apps and paying in full.
- Bundle car and renters insurance with the same company.
- Build U.S. credit with a secured card, since many states allow credit-based pricing.
- Compare quotes every renewal. Rates change a lot between companies.
Do You Need a Car at All?
If your campus has good public transport, biking or car-sharing, you may save more by not owning a car. Car-sharing and rental services usually include basic insurance, but check the limits.
Frequently Asked Questions
Can I drive in the U.S. with my home-country license?
Often for a limited period, depending on the state. Many students also carry an IDP. Check the rules of the state where you live.
Does my student health insurance cover car accidents?
It may cover your own medical care, but not damage to cars or injuries to others. You still need auto liability insurance.
Why is my quote so high?
No U.S. driving record, no credit history and being under 25 all raise prices. Rates usually drop after a year or two of clean driving.
The Bottom Line
International students can get car insurance in the U.S., but it pays to prepare. Bring an IDP, get a U.S. license when you can, choose a modest car, and compare several quotes.
Disclaimer: This article is general information, not insurance or legal advice. Requirements vary by state and insurer.
Sources: Insurify: Car insurance for international students (updated October 2026).