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Can You Get Car Insurance Without a Social Security Number?

Last Updated: October 30, 2026

Auto insurance companies routinely ask for a Social Security number (SSN) on an application, but it’s possible to get car insurance without it.

Not all car insurance companies request your SSN. In some cases, you may be able to submit alternative documents to verify your identity.

Why do car insurance companies ask for an SSN?

Car insurance companies ask for your SSN to verify your identity and check for past accidents, claims, and driving history. 

Your SSN also allows companies to run a “soft” check on your credit score, which helps them assess risk and set your policy rates.¹

While insurance companies ask for your SSN, you may be able to purchase insurance without it.

Do you need an SSN to get car insurance?

You generally do not need to provide your SSN to get an auto insurance quote. Depending on where you live, you may also be able to get a car insurance policy without providing your SSN.

In some states, insurers are limited in how they can use credit-based insurance scores, which can reduce the need for an SSN, and many carriers will issue a policy without one.

What information do you need to get car insurance?

You’ll need to provide certain information to get a quote for car insurance. It will give you an idea of how much you can expect to pay for your car insurance.

Gather the information listed below to get a car insurance quote:

  • Your information: Name, date of birth, address, marital status, driver’s license number, and SSN

  • Household members: Names, dates of birth, and license numbers of all licensed drivers and legal-driving-age members of the household

  • Vehicle information: Year, make, model, VIN if available, and mileage

  • Usage: Whether the car is used for commuting, pleasure, or business, and the estimated annual mileage

  • Safety equipment: Anti-theft devices and factory safety features

  • Driving record for all drivers: Traffic violations, accidents regardless of fault, and comprehensive claims for the last five years

You’ll need to submit the following information to apply for a car insurance policy:

  • Ownership status: Whether you own or lease, and the lienholder or leaseholder information, including gap insurance information

  • Registered owner: Names of whoever owns or leases the car

  • Prior insurance: Name of current insurance company and expiration date

  • Payment: Payment arrangements, whether paid in full or in installments 

When you’re ready to get car insurance, comparing your options helps you find one that fits your situation. Luva lets you compare rates from multiple insurers, so you can see which ones work for you.

From an insurance professional

Can you get an anonymous car insurance quote?

As technology has advanced and the sophistication of risk pricing has increased, insurers have moved well beyond simply looking at tickets, accidents, vehicle type, and location. Pricing is now much more heavily based on the individual. Because of that, you cannot get a truly anonymous quote and expect the rate to be close to the actual rate you would receive once all relevant information is considered.
Chandler HahnOwner of Hahn Insurance Agency

Chandler Hahhn is a licensed independent insurance agent.

What can you provide if you don’t have an SSN?

If you do not have an SSN, most auto insurance companies will accept one or more of the following documents to verify your identity:

  • An Individual Taxpayer Identification Number (ITIN)

  • A valid U.S. or foreign driver's license

  • A passport or a Consular ID (e.g., Matricula Consular)

Can you get a driver’s license without an SSN?

While it’s possible to find insurance without an SSN, a US driver’s license is the easiest alternative. This can be a hurdle for immigrants without lawful status.

Currently, 19 states and the District of Columbia allow unauthorized immigrants to obtain a driver’s license with alternative proofs of identity and residency.

Here’s the complete list:²

  • California

  • Colorado

  • Connecticut

  • Delaware

  • District of Columbia

  • Hawaii

  • Illinois

  • Maryland

  • Massachusetts

  • Minnesota

  • Nevada

  • New Jersey

  • New Mexico

  • New York

  • Oregon

  • Rhode Island

  • Utah

  • Vermont

  • Virginia

  • Washington state

Can you get car insurance quotes without giving personal information?

It’s possible to get car insurance quotes without giving your personal information. A quote is a preliminary estimate of your car insurance. However, since it’s based on limited information, your rate may change once you’ve completed an insurance application. 

Once you’ve decided on an insurance company, you may have to provide personal details before the company will bind coverage, which means to make it effective. 

Luva lets you compare rates from carriers with coverages laid out clearly, so comparing your options and choosing a policy is simple.

Car insurance with no SSN: FAQs

Sources

  1. 1.Background on: Insurance Scoring — Insurance Information Institute
  2. 2.States Offering Driver’s Licenses to Immigrants — National Conference of State Legislatures
Toni HoyLicensed Insurance Agent

Toni has been freelancing as an author and freelance writer for over 11 years. As a licensed insurance agent for 20 years, Toni researches and writes on all insurance topics, including property, casualty, life, health, travel, event, pet, cyber, and more. She has previously written for People Inc., Forbes.com, USA Today, Mutual of Omaha, Healthnews, and BetterHelp. She strives to break down complex insurance concepts to make them understandable for the everyday consumer.

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Chandler HahnOwner of Hahn Insurance Agency

Chandler Hahn is an accomplished insurance and financial-services professional, entrepreneur, and agency owner based in Belmont, North Carolina. With approximately 20 years of experience across underwriting, claims, agency operations, sales, and customer service, Chandler has developed a comprehensive understanding of the insurance industry from virtually every angle. His experience allows him to look beyond simply providing a policy and instead focus on helping individuals, families, and business owners make informed decisions about protecting what they have built. As the owner and operator of Hahn Insurance Agency, Chandler combines his technical insurance knowledge with an entrepreneurial approach to business. He understands that a successful agency is built on more than products and policies—it depends on trust, relationships, communication, accountability, and a commitment to delivering value to clients. His leadership style emphasizes leading by example, developing strong teams, and creating an environment where both employees and customers feel respected and supported. Chandler’s educational background complements his insurance expertise. He earned a bachelor’s degree in Business Administration with a concentration in Finance from Embry-Riddle, giving him a strong foundation in financial principles, business strategy, and decision-making. He has also earned the RICP® (Retirement Income Certified Professional) designation, reflecting specialized knowledge in retirement income planning and the financial considerations that come with preparing for and navigating retirement. His professional experience spans a broad range of insurance and financial products, including auto, homeowners, renters, life, business insurance, investments, and retirement planning. This breadth of knowledge allows Chandler to take a more comprehensive approach when working with clients. Rather than looking at individual policies in isolation, he can help people consider how different areas of their financial and personal lives fit together—from protecting a vehicle or home to protecting income, preparing for retirement, and managing the risks associated with owning a business. Today, Chandler serves clients throughout North and South Carolina, with a particular focus on helping individuals, families, and small-business owners manage risk and protect their financial futures. At his core, he is a relationship-driven entrepreneur who combines insurance expertise, financial knowledge, business leadership, and a genuine commitment to helping people. Chandler Hahn is a licensed independent insurance agent.

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