If you're new to the United States, don’t have a Social Security Number (SSN), or prefer to protect your privacy, you might wonder: Can I compare or buy car insurance without an SSN? The answer is yes — but with some caveats. In this blog post, we'll break down how you can compare car insurance quotes without an SSN, what challenges you may face, and how to find affordable coverage in 2025.
Why Insurers Ask for Your SSN
Car insurance companies often request your SSN to:
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Run credit checks
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Verify your identity
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Assess fraud risk
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Determine pricing more accurately
However, providing your SSN is not legally required to get insured. It’s mainly used as a tool to help insurers gather more information. That means you can still get insurance without one — but you may have to do a bit more work.
Can You Get Car Insurance Without an SSN?
Yes, many insurance companies allow you to purchase a policy without a Social Security Number. Instead, you can use:
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ITIN (Individual Taxpayer Identification Number)
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Driver’s license or foreign license
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Passport
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State ID
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Other valid forms of identification
These alternatives can help insurers verify your identity and driving history.
How to Compare Car Insurance Without SSN in 2025
Here’s a step-by-step guide to help you compare car insurance quotes without using your SSN:
1. Use Online Comparison Tools That Don’t Require SSN
Some quote tools now offer SSN-optional applications. Look for platforms that focus on immigrant drivers, international students, or privacy-conscious individuals.
Top platforms in 2025 that may support SSN-free quotes:
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The Zebra
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Insurify
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Compare.com
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Freeway Insurance (great for non-traditional applicants)
Tip: Always double-check whether a soft credit check is required and whether you can opt-out.
2. Reach Out to Insurers Directly
Some insurers won’t display an SSN-free quote online but may offer one over the phone or in-person. Call and ask:
“Can I get a quote without providing a Social Security Number?”
Insurers who often work with immigrants or international drivers are more likely to say yes.
SSN-optional-friendly insurers include:
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GEICO
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Progressive
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Dairyland
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Acceptance Insurance
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Infinity Auto Insurance
3. Use an Insurance Broker
Independent agents or brokers often have access to multiple insurance companies and can help you compare quotes without requiring an SSN.
Look for brokers in your area who work with:
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Undocumented immigrants
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Temporary residents
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New arrivals with international licenses
Pros and Cons of Buying Car Insurance Without an SSN
✅ Pros
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Accessible for immigrants and temporary residents
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Maintains privacy
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Still legal and compliant
❌ Cons
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Limited quote options online
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May be more expensive
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May not qualify for discounts tied to credit history
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Might require more documentation
What to Prepare When Comparing Insurance Without SSN
To increase your chances of getting the best rate, have the following ready:
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Valid driver’s license (US or foreign)
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Proof of residence
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Vehicle details (VIN, make, model)
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Driving history
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Alternate ID (passport or ITIN)
Tips to Get Cheaper Car Insurance Without an SSN
Even without a Social Security Number, you can still save money:
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Bundle with other insurance (home, renters, etc.)
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Choose a higher deductible for lower premiums
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Maintain a clean driving record
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Install safety devices in your vehicle
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Take a defensive driving course
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Ask for available discounts (good student, safe driver, etc.)
Final Thoughts
In 2025, it is absolutely possible to compare and buy car insurance without an SSN. While you may need to make a few phone calls or use specialized quote tools, plenty of insurers are willing to work with you. Whether you're an international student, immigrant, or just value your privacy, there are paths to affordable, legal auto coverage.
Always shop around — and don’t be afraid to negotiate or ask questions. Comparing car insurance without an SSN may take a little extra time, but the savings and peace of mind are well worth it.
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