Insure Your Vehicle
Secure insurance for your vehicle before hitting the road.
The Vehicle Insurance Process
Select an insurer that doesn't require a US driver's license (if you don't have one).
Book your insurance at an address where your vehicle will spend time.
List anyone who will drive the vehicle regularly on the policy.
List your Montana LLC as an "additional insured interest"
Keep your proof of insurance handy
Answers to common questions about insuring a vehicle in the US
What insurance is legally required?
Every driver must carry liability (third-party) insurance that covers against damage or injury that might be done to others.
The maximum that the insurance company will pay is called the Limit. Each state has its own minimum limits; we recommend limits of $100k/$300k/$100k.
What coverages are available for damage to my vehicle?
Collision coverage reimburses you for damage resulting from an accident.
Comprehensive coverage reimburses you for damage resulting from a non-accident event, such as theft, vandalism, fire, flood, and hail, among others.
What about other coverage like roadside assistance?
Roadside assistance is available as additional coverage from all auto insurers.
You might also consider uninsured/underinsured motorist coverage, which protects you against damages from other drivers with insufficient coverage.
How much will auto insurance cost?
Auto insurance depends on a number of factors: the level of coverage, the value of the vehicle, the age of the driver(s), etc.
The best way to estimate cost is to use a quote tool on the website of an insurer that doesn’t require a US driver’s license (assuming you don’t have one), like progressive.
What is the length of a US auto insurance policy?
A standard auto policy has a policy period of six months; a motorhome policy typically lasts 12 months.
Is a refund available if I cancel my insurance?
Yes. An insurer owes you a refund for any unused premium paid, less a cancellation fee (usually 10% of the unused premium).
What should I do with my insurance when I sell my vehicle?
Feel free to cancel your insurance after you sell your vehicle. Your insurance company can back-date your cancellation by four to seven days, so it won’t hurt to wait until payment from the buyer clears before you take this step.
What address should I provide on my insurance application?
Auto insurers require a vehicle's "garaging address," or the address where the vehicle will spend most nights.
This is because the coverages available and the rates charged vary from state to state, and from city to city.
If you list an address where the vehicle will never spend time, and you need to make a claim, the insurer may think you used the address provided to fool it into offering you lower rates.
But it’s perfectly acceptable to take road trips anywhere in the country.
So the appropriate address to provide is one where the vehicle will spend at least one or two nights. This way, the insurer can't accuse you of misrepresenting yourself.
If you have friends that you'll be visiting, or an AirBnb where you're staying, you might consider using one of these addresses - it's your policy, so anything that might happen (touch wood) is your responsibility, and does not impact others at the address you choose.
What US auto insurers accept drivers without a US driver’s license?
Only a handful of auto insurers don’t require a US driver’s license:
An insurer that you said doesn’t require a US driver’s license just told me that they require a US driver’s license. What’s going on?
Insurance is regulated by the US states, not the national government.
Some insurers that generally allow foreign driver’s licenses require them in certain states.
For example, while Progressive generally allows foreign driver’s licenses, it does require a US driver’s license in New York State in most situations.
Can’t visitor.us just write me an insurance policy?
We’re working on it, but we’re not there yet.
At the moment, large auto insurance companies simply don’t think that international visitors, who are unlikely to renew their policies and unlikely to add home or other insurance, are high-quality customers.
We’re working to educate a focused set of insurers that international visitors are exceptionally cautious drivers, but building this case takes time and data.
Still have a question?
Get answers to common questions not listed here.
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