Car Insurance for Diplomats (Complete Coverage Guide)

Car insurance for diplomats carries special requirements, and that often means that diplomat insurance coverage can be more expensive. Read on to learn how to find affordable rates.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Jun 14, 2022

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Here's what you need to know

  • Diplomats must carry a minimum level of liability coverage to drive in the United States
  • Most insurance companies in the U.S. offer auto coverage to diplomats, but the Office of Foreign Missions may have requirements and restrictions 
  • Often, insurance coverage for diplomats is higher than average rates in the area

Regardless of your occupation, you need auto insurance if you live and drive in the United States — the same holds for diplomats.

If you’re a diplomat, you must carry specific car insurance coverage on the vehicle you drive. In most cases, required coverage for diplomats exceeds the mandatory insurance level for your state.

As you search for car insurance coverage, be sure to review car insurance guides and inform any company you consider of your diplomatic status to ensure you have the proper coverage.

What kind of diplomat insurance requirements are there?

While Americans must meet their state’s insurance requirements, diplomats have a required insurance level exceeding standard U.S. limits for liability coverage on a vehicle.

The Office of Foreign Missions (OFM) has strict requirements for diplomats regarding the auto insurance levels and amounts they must carry.

In terms of minimal liability car insurance coverage requirements, diplomats must carry 100/300/100 in liability on their vehicles, which includes:

  • $100,000 in bodily injury liability per person
  • $300,000 in bodily injury liability per accident
  • $100,000 in property damage liability 

To ensure you have the proper coverage as a diplomat, you may want to inform any company you consider of your requirements as a diplomat in the U.S.

The OFM requires additional information when it comes to car insurance for diplomats. If an individual has policy changes, vehicle changes, updates on insurance coverages, or coverage cancellations, they should notify the OFM as soon as possible.

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Where can I find car insurance for diplomats?

In most cases, the Diplomatic Motor Vehicle (DMV) Program helps eligible members of foreign missions find the appropriate insurance coverage for their vehicles. However, since liability levels for diplomats are exceptionally high, not all insurance companies are willing or able to provide coverage.

Additionally, the DMV Program helps diplomats and eligible family members get the proper driver’s licenses. It also monitors drivers’ actions and any blemishes on their driving records to assess whether it’s safe to continue driving in the United States.

If diplomats need auto insurance in the U.S., they must inform any potential insurer of their coverage requirements. Providing this information allows diplomats to learn whether the company will be able to provide a policy.

What does a diplomat do?

Diplomats deal with foreign policy in many ways. Diplomats in the U.S. are individuals from other countries who temporarily moved to the United States to carry out specific responsibilities associated with politics, trade, or consular services.

Foreign governments typically send diplomats to the U.S. to represent their country and advocate for support for various interests or services. In addition, these diplomats often reach out to local government agencies and officials.

Diplomats involved in trade often attempt to connect with specific individuals and businesses, helping with itineraries during visits, and providing helpful information about organizations and their processes.

Consular services for diplomats refer to any day-to-day necessities involved in overseas travel, such as replacing a lost passport.

Why do diplomats need car insurance?

Diplomats need car insurance for the same reason anyone else needs it. Car insurance protects us and others when there is an accident. If diplomats didn’t carry proper car insurance coverage, there could be catastrophic repercussions.

While diplomats aren’t required to carry collision and comprehensive coverage on their vehicles, they must maintain extremely high levels of liability coverage. Liability coverage protects other drivers on the road if there’s an accident.

Some diplomats may have to drive a great deal because of the nature of their jobs. If this is the case, it becomes even more critical for these individuals to carry the proper coverage.

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How much is car insurance for diplomats?

Diplomats should expect to pay at least double what most U.S. citizens pay for auto insurance in any state for a few reasons.

Diplomats must carry high levels of liability coverage, causing most insurance companies to charge them steeper rates. The state’s average only considers families and individuals purchasing the state’s minimum coverage.

In contrast, diplomats may consider buying a full coverage policy to offer more protection on the road.

The table below shows the average rates for citizens in each state and the average rates diplomats may expect to pay for coverage with 100/300/100 limits plus comprehensive and collision coverage.

StateAverage Monthly Car Insurance Rates for U.S. CitizensAverage Monthly Car Insurance Rates for Diplomats
New Hampshire$66$111.97
New Jersey
New Mexico$60.58$120.22
New York
North Carolina$50.17$98.78
North Dakota$46.17$84.40
Rhode Island$88.25$173.50
South Carolina$62.75$120.20
South Dakota$47.08$96.65
Washington D.C.$98.50$187.75
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If you’re a diplomat seeking car insurance coverage, you may want to enlist the help of the DMV Program to find reasonable rates for your vehicle. While many companies charge a great deal to insure diplomats, it’s not impossible to find the coverage you need at an affordable price. 

Auto Insurance for Diplomats: The Bottom Line

Diplomats must carry high levels of liability insurance on their vehicles. In many instances, the Diplomatic Motor Vehicle Program and the Office of Foreign Missions may help diplomats procure proper insurance coverage.

In addition to the required levels of liability coverage, diplomats may want to consider a full coverage policy — including comprehensive and collision coverage — to protect themselves and their vehicles.

If you’re a diplomat searching for car insurance, you can shop around online to compare quotes. Though you’ll likely pay higher rates for your coverage levels, you may be able to find an affordable policy.

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