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).
Most US auto insurers require a US driver's license.
Progressive, National General, and State Farm are the three top auto insurers that don't require a US driver's license.
Book your insurance at an address where your vehicle will spend time.
US auto insurers require a "garaging address" (where the vehicle will spend most nights) to put a policy in force.
List anyone who will drive the vehicle regularly on the policy.
Your policy automatically extends to anyone that you permit to drive your vehicle.
If anyone will be driving the vehicle more than occasionally, list them on the policy.
List your Montana LLC as an "additional insured interest"
Add your Montana LLC as a lender or financing company on your insurance policy.
This informs your insurer that your LLC owns the vehicle, and is furnishing it to you for personal use.
Keep your proof of insurance handy
Store your insurance cards in your vehicle's glovebox, or in your phone.
You'll need to access them if you need to make an insurance claim (touch wood!).
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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:

- Progressive

- National General

- State Farm

- Dairyland

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 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.

Let's Get You on the Road

Let us sort your vehicle admin so you can enjoy your visit.