Car Insurance Without a Social Security Number: Details for Drivers

June 14, 2024

Your Social Security number (SSN) allows you to work, pay taxes, and receive various documents, including a driver’s license. But do you need it to buy an auto insurance policy?

Well, it’s not that simple. The insurer has the right to ask for your social security number – it is not prohibited by law – but you can also purchase an insurance policy from some insurers without providing your SSN.

Read on to learn everything you need to know about SSN and auto insurance.

Can You Get Car Insurance Without a Social Security Number?

Most state insurance companies ask for a social security number, but some allow you to buy insurance without it because no federal law requires SSNs for auto insurance policies.

But then again, without an SSN, you will likely have problems receiving your driver’s license, even though it’s not entirely impossible (for example, if you’re a non-citizen, you might get an exception from having an SSN).

Here is a list of states that do not require you to provide an SSN along with average car insurance costs:

StateAverage Full CoverageAverage Minimum Coverage
California$2,462$758
Colorado$2,489$483
Connecticut$1,730$805
Delaware$2,462$1,018
Hawaii$1,633$370
Illinois$2,345$539
Maryland$3,349$955
New Mexico$2,104$369
Nevada$3,342$858
NY$4,769$1,172
New Jersey$2,240$1,236
Oregon$1,459$723
Utah$1,955$592
Vermont$1,037$277
Virginia$1,486$530
Washington$1,829$507

Why Do Insurance Companies Need Your Social Security Number?

SSN is your personal information that can provide the insurer with the following data:

Driving historyInsurers check the client’s driving history for the last three to five years when selling and renewing a policy
Credit RatingIf the state allows it, auto insurance companies will carefully review a customer’s credit history to determine possible risks
Family StatusCar insurance companies may use family information to determine your rate. This also includes information about children.
AgeDrivers under 19 and over 65 usually have a higher premium
Car Make and ModelSports, luxury, and exclusive cars are generally more expensive to insure
State ClimatePremiums are higher in states with high crime rates and harsh weather conditions

Why Do Car Insurance Companies Ask for Social Security Numbers?

Having the driver’s SSN greatly simplifies and speeds up retrieving the information the insurer needs to evaluate their risk and ultimately decide whether they want to sell you an insurance policy.

factors that affect car insurance rates

Source: MarketWatch

Do Insurance Companies Need Your Social Security Number for a Quote?

Not always, and not everywhere. Typically, to receive a quote, it is enough to provide the following information:

  • Postcode: Your location
  • Description of your car: Manufacture date, manufacturer, make and model, configuration, how long you have owned the car, annual mileage, car equipment data
  • Driver’s details: Your first and last name, date of birth, gender, driver’s license status, the date you first obtained your license, an estimate of your credit rating, and possibly some other information.

This information is enough to get quotes from car insurance companies. By comparing the rates and offers of several insurers and their requests for the necessary documentation, you can make the best choice without personally visiting the company’s offices and save time.

The only caveat is that if you are getting quotes for car insurance without a social security number, please be aware that offers will likely be issued with higher rates and less coverage than if such information had been provided.

Auto owner receives the keys from their auto

Is it Safe to Provide Your Social Security Number to an Auto Insurer?

Every auto insurance company is required by law to protect your personal information, including your SNN. All leading insurance companies have such security measures in place. To avoid falling victim to scammers, read the company’s privacy policy and make sure it is legitimate.

What if I Do not Have a Social Security Number?

If you want to apply for an SSN, apply online and then visit your local Social Security office to submit your documents. Once your application is approved, you will receive a Social Security card with your number in the mail within 14 days.

Car Insurance Without a Social Security Is Possible

Of course, you can get car insurance without an SSN, but its availability depends on the company. Some insurers only require a driver’s license.

If you want to get insurance without an SSN, there are alternative ways to prove your identity and eligibility for coverage. For example, you can request other documentation for car insurance with an ITIN number. At the end of the day, remember, you have the right to keep personal information private and not disclose it, even when applying for car insurance.

But then again, if you don’t share their SSN with the insurance company, you will receive more expensive car insurance with less coverage than if you provided their number.

Frequently Asked Questions

Do car insurance companies need your social security number?

It depends on your insurance company’s policy and your state. Remember that you may need your SSN to obtain a driver’s license and then auto insurance.

Why does the claim adjuster keep asking for my social security number?

The company is interested in receiving this data because it makes it easier to retrieve your driving information, credit history, and other details that help companies evaluate their risks.

Do You Need an SSN to Settle a Lawsuit?

No. You are not obligated to give your Social Security number to anyone other than your lawyer.

Victoria Berezhetska

Victoria Berezhetska is a Content Lead at Phonexa.com and an expert contributor to CoverExplore. She has a Bachelor of Science degree in Business Administration, with extensive working experience as a PR specialist and content writer. At CoverExplore, she helps customers find the right educational material through easily digestible blog posts and buying guides backing their insurance coverage choice. Victoria covers diverse topics around digital and insurance marketing, including auto, home, health, and life insurance.

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