US Car Insurance Companies for International Drivers with IDP: Coverage Details

Many US car insurance companies do cover drivers with an International Driving Permit (IDP), but policies can vary by state and individual insurer. Here are some major insurers known to provide coverage for drivers with an IDP:

Major Insurers and Their Policies

Geico: Generally accepts IDPs and provides coverage for international drivers. State Farm: Typically covers international drivers with an IDP, but it's best to confirm with a local agent. Progressive: Often insures drivers with an IDP, but specific requirements may apply. Allstate: Generally provides coverage for drivers with an IDP, but it's advisable to check with an agent. Farmers Insurance: Usually accepts IDPs, but checking with a representative is recommended.

Important Considerations

Local Regulations

Insurance requirements can vary by state, so it's essential to check local laws and the specific terms of the policy. Always contact the insurance company directly to confirm their policies regarding IDPs and to understand any specific requirements they may have.

Coverage Limits

Ensure that the coverage meets your needs, especially if you're renting a car or driving for an extended period. Most car insurance in the USA is written on a 6-month basis, and in many cases, you'll be surcharged as an inexperienced driver because the insurance company can't check on your driving record, but you can still be insured.

Documentation

Be prepared to provide your home country license and possibly additional identification when applying for coverage. Documentation is crucial, so having all required documents readily available is highly recommended.

US Car Insurance Policies: 6-Month Terms

US Car Insurance: Are written for the car, not the driver. Any car registered in the USA must have car insurance. Temporary Coverage: In many cases, the insurance company wants to know who is a "regular" driver living in the same household. If you're living with a permanent resident, you would add yourself to their policy and another driver. A 6-month term is not considered permanent. Policy Renewability: Insurance policies are normally written for 6 or 12-month terms, but they are really month-to-month. You can terminate your insurance policy at any time and get a refund for the remaining months.

In conclusion, while most US car insurance companies do cover drivers with an IDP, it's crucial to verify specific details with the insurer. Always ensure that your coverage meets your needs and that all required documentation is up-to-date.