Top 3 Car Insurance For Foreign Visitors

Car insurance for foreign visitors

Car insurance for foreign visitors

When visiting the US, you’ll need personal transportation to get around such as a rental car. You’ll also need to cover your car for liabilities. That’s why you’ll need car insurance for foreign visitors to the US. This type of insurance is mandatory and protects you from financial loss.

To help you find the best car insurance for your visits to the United States we’ve reviewed three of the top insurance companies on the market. Continue reading to find out what each insurer can offer you when you rent a car for travel in the US.

Car Insurance For Foreigners –  Quick Links

Product Features Rating
  • Offers discounts
  • For high-risk drivers
  • Easy payment options
  • For high-risk drivers
  • Flexible payment options
  • Discounts when you insure multiple cars
  • 24/7 towing assistance
  • Best for people with international licenses
  • Offers annual policies

Car Insurance For Foreign Visitors Reviews

1. Gainsco

GainscoGainsco is an auto insurance company that offers services in 14 US states. Additionally, it’s a company that specializes in high-risk clients, and they offer small discounts such as auto-pay discounts.

Key Features

  •  Availability:  Monday – Friday
  •  Coverage: Towing, car hire, personal injury protection
  •  Payment options: Online or by phone

This auto insurance company offers free quotes online or you can get an agent to contact you. However, some clients have complained about the company’s lack of urgency when it comes to insurance claims.


  •  Best for high-risk drivers
  •  Lowest rates
  •  Offers discounts


  •  May not respond immediately to emails or claims
  •  Not for high liability coverage limits

This company doesn’t have a lot of information on their site, so you’ll have to contact an agent to assist you. However, Gainsco is a reliable insurance company for those who want to insure rented vehicles.

2. Dairyland

DairylandDairyland is another auto insurer that offers coverage to high-risk drivers who’ve had frequent DUIs. The company also offers non-owner car coverage for those who drive cars that are not personally owned. This makes it ideal for foreigners who rent vehicles to travel.

Key Features

  •  Availability:  Monday – Saturdays
  •  Coverage: Towing, car hire, special equipment coverage
  •  Payment options: Online or by phone

The Dairyland auto insurance company is available in 42 states, so it’s ideal for those who travel all across the US. There’s also an app you can download to pay bills or get alerts. Additionally, Diaryland offers roadside assistance and pick-ups in the event of an accident.


  •  Excellent customer service
  •  Offers discounts
  •  Available in 42 states


  •  High rates
  •  Non-owner car insurance doesn’t cover vehicle damage

Overall, Dairyland provides excellent customer support. You can either contact the insurer via telephone or email. Even though the rates are high, they offer add-on services such as towing and reimbursements for any special equipment that may get damaged in a collision.

3. Kemper

KemperKemper is the ideal car insurance for international licensed drivers. They even offer coverage to people who only have state IDs. This auto insurer is also an option for high-risk drivers because they offer SR-22 coverage.

Key Features

  •  Availability:  Monday – Friday
  •  Coverage: Uninsured motorist, collision, roadside
  •  Payment options: Online or by phone

Kemper auto insurance offers lower rates compared to other insurance companies. They also offer 24/7 towing, tire change, and even oil change assistance.


  •  Offers discounts
  •  Best for drivers with a foreign license
  •  Excellent customer care


  •  Doesn’t offer a mobile app
  •  Higher rates compared to other insurers

Kemper operates in 50 US states,which makes it ideal for foreigners who want to travel across the United States. They also offer annual policies so you can get coverage for an entire year.

Buyers Guide For Car Insurance For Foreign Visitors

Before you choose car insurance for international visitors, there are a few aspects you need to take into consideration first. In this section, we’ve given you more information on why you need car insurance when visiting the US and what the requirements are.

Do You Need Car Insurance When You Visit The US?

All foreigners are legally required to take out car insurance when they rent a car in the US. Fortunately, if you do rent a car in the US, most car hire services will offer the option for you to use their specific auto insurer.

On the other hand, if you intend to stay in the US long-term you’ll need to purchase a separate auto coverage for the duration of your stay. If you choose to ship your vehicle to the US, you’ll also need to purchase separate coverage for your car.

Car Insurance Requirements For Foreigners

Car insurance for foreign drivers in the US will offer different coverage depending on which state you’re visiting. Each US state has its own regulations for insurance.

There are states that simply require liability insurance before you can legally drive on the road. Other states may require underinsured or uninsured coverage, which will help pay for damages caused if the third party doesn’t have insurance.

What To Consider When Choosing Auto Insurance For Foreigners

To find the best auto insurance for international drivers in the USA, you’ll need to determine how long you plan on staying in the country. And, similar to finding auto insurance in your own country, there are certain features you need to look for. Here’s what to consider when choosing an auto insurance for foreigners.

Long-Term Or Short-Term Stays

If you’re staying in the US for a few weeks, then you’ll most likely hire a vehicle. You can opt for coverage on a daily basis. But make sure you look at extra costs such as collision damage waiver.

For foreigners visiting the US on a visa, it can be difficult to find affordable insurance providers if you don’t have a US driver’s license. This is because you won’t be on their records and may be considered a high-risk client. There may be auto insurance for a foreign license, or you’ll have to apply for a US driver’s license to get affordable rates.

US And International Drivers Permits

Look at the rules and regulations in the state you’re in if you’re using your driver’s license from your home country. You may only be allowed to drive legally with your country’s driver’s license for three to four months.

Fortunately, getting your US driver’s license is easy and affordable. It may cost you $21 to get your license in the US, which is an ideal option if you want to save on auto insurance rates.

Final Verdict

If you’re looking for cheap insurance for foreign drivers in the US, then pick one of the company’s we’ve reviewed above. They offer affordable rates and are helpful to those visiting the country for the first time.

Whether you’re a student or business executive traveling to the US, you’ll need reliable auto coverage if you’re using a car to get around. Consider getting a US license if you’re staying long-term in the country.

Do you have any experience with car insurance for foreign visitors? Leave us a comment below or share your thoughts via our social media pages.