Can you buy car insurance for UK drivers in USA?
You can find US car insurance for UK drivers through insurance companies that offer coverage for international drivers. Insurance rates for UK drivers average at $125/mo.
Free Car Insurance Comparison
Secured with SHA-256 Encryption
UPDATED: Sep 15, 2020
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
- Your UK Driver License will be accepted for a limited period of time in the US
- You must have car insurance to buy a vehicle in the US or you’ll be ticketed and fined
- Some insurers may require applicants to hold a US license but others will insure applicants with a foreign license if it’s been transcribed in English
- If you’re using a UK license, you won’t be eligible for a claims-free discount
- Insurance companies often charge policyholders a higher rate because they aren’t given credit for their experience
- If you are a US driver looking for car insurance in the UK then ask your car insurance company if you are covered while driving in the UK
If you’re relocating to the United States from the UK, it’s important to plan ahead so that you’re prepared to drive as soon as you hit the states, which might mean buying US car insurance for a UK driver.
In some cases, individuals who’re planning ahead for a relocation will actually buy a domestic car before they’ve officially become a resident or permanently settled in.
When this happens, the soon-to-be US citizen will need to purchase car insurance for foreigners to protect their asset even though they don’t yet have a U.S. driver license.
Insuring a vehicle in the U.S. when you have nothing but a UK license might cost you more, but it’s definitely possible.
Can you legally drive in the US with your UK License?
You are legally required to have a valid driver license to drive a vehicle in the US, but that license doesn’t necessarily need to be issued in the country.
Short-term visitors may be required to apply for an International Driving Permit through authorities in their home country if they plan on renting a car. This is more of a car rental law rather than a driving law.
It’s perfectly legal for foreign nationals who are planning a short-term visit to drive on their license from the country of origin as long as it’s dictated in English.
The rules are different if you’re driving in the US as a resident and non-citizen. Before you can actually transfer your license from the UK to the US, you’ll need to satisfy the state’s residency requirements.
This is a primary reason why some new residents wait to get a domestic license and must find car insurance with their international privilege.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
How to Find Insurance Coverage for International Drivers
Every insurance company sets their own unique underwriting guidelines. Before you can get a policy issued through that carrier, you must beat the eligibility requirements.
Companies that prefer to do business with low-risk drivers may require that all drivers on a policy have a license issued by the states and a stated amount of driving experience.
If the company has strict requirements, you’ll probably be turned away the moment you state you currently have a UK license.
If you want to find companies with fair underwriting rules as they pertain to international drivers, you can use other experiences to your advantage.
Ask friends who’ve moved to the US in the past if they’ve driven on your UK license. If they’ve done the legwork, you may have a good starting point to get quotes.
What You Need to Know About Your Claims-Free Discount
In the UK, you’ll receive no-claims discounts and bonuses (NCD) if you’ve gone years without any incidents behind the wheel.
Since the NCD discount will slash premiums for each year that you’ve gone without incident, it’s possible to save up to 40 percent off of your policy after just one year of being claims-free and an additional 10 percent for every year thereafter.
If you’ve stayed with a UK company for years and you’ve been claims-free for 3 or more years, your premiums will be very competitive.
Unfortunately, US companies won’t typically offer you those same claims-free discounts because you don’t have a domestic license.
When you’re eligible for your license in the states, the clock will start ticking and you’ll begin to accrue claims free discounts.
In some rare instances, you might be able to find a specialty company that will consider your driving history from the UK and factors it in when calculating premiums.
Unfortunately, most companies only use US driving experience to apply claims-free and accident-free discounts. You should compare the discounts each insurer offers to see if you can balance out premiums with other savings.
Here are some of the most common discounts offered today:
- Green vehicle
- Defensive driver
- Low mileage
- Full payment
- Good student
Will you receive credit for your UK driving experience?
In the United States, premiums are very strongly based on how much experience you have behind the wheel. the states.
This is because statistics show that more experienced drivers are more defensive and better equipped to avoid losses.
If you’ve been licensed in the UK for 10+ years, you might feel that you have the same experience as a driver in the states.
Unfortunately, without a US license, many companies will treat you as an inexperienced operator and assign a high-risk driver surcharge to your premiums.
The key to finding affordable car insurance while you still have your UK driver license is to do your homework. You’ll need to ask around and do a lot of quote comparisons.
One way to compare quotes effectively is to use an online quoting tool that can help you check rates with dozens of companies.
Just be sure you disclose that you have a UK license and then you’ll only be directed to only the auto companies with some sort of foreign license underwriting provision.