8 Best Auto Insurance Companies That Don’t Ask for Your SSN (2024)
Geico, Progressive, and State Farm are the best auto insurance companies that don't ask for an SSN, with rates as low as $82/mo. Most insurers require it for coverage, but you won't need it to get a quote. Whether you have privacy concerns or poor credit, we'll help you get car insurance without an SSN below.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Apr 23, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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19,116 reviewsCompany Facts
Full Coverage Without SSN
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19,116 reviews
13,128 reviewsCompany Facts
Full Coverage Without SSN
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13,128 reviews
17,759 reviewsCompany Facts
Full Coverage Without SSN
A.M. Best Rating
Complaint Level
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17,759 reviewsGeico, Progressive, and State Farm are the best auto insurance companies that don’t ask for your SSN.
Compare these top companies in our Geico vs. Progressive auto insurance review to learn which works best for you.
Our Top 8 Picks: Best Auto Insurance Companies That Don't Ask for Your SSN
| Company | Rank | Good Driver Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 26% | A++ | Affordable Rates | Geico |
 | #2 | 30% | A+ | UBI Savings | Progressive |
 | #3 | 25% | A++ | High-Risk Drivers | State Farm |
 | #4 | 25% | A+ | Claims Satisfaction | Allstate |
 | #5 | 30% | A | Signal App | Farmers |
 | #6 | 20% | A | Customizable Policies | Liberty Mutual |
 | #7 | 40% | A+ | Safe-Driving Discounts | Nationwide |
 | #8 | 25% | A | Costco Members | American Family |
While most insurers need your Social for the application process, you won’t need to provide it for a quote. Keep reading to learn more about auto insurance companies that don’t ask for an SSN. Enter your ZIP code now to evaluate auto insurance quotes from affordable providers in your area.
- Geico is our top pick for the best provider for coverage without an SSN
- While most insurers need your SSN to apply, you don’t need it for quotes
- Poor credit can cost you an extra $165 a month on average
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#1 – Geico: Top Pick Overall
Pros
- Cheap Rates: Geico offers some of the most affordable rates in the car insurance industry, averaging $82 monthly for full coverage. See if Geico is the right company for your needs in our Geico auto insurance review.
- Easy-to-Use Online Platform: With Geico’s mobile app and website, policyholders can pay their premiums, file a claim, or contact customer service.
- Various Coverage Options: Drivers can find various add-on coverages with Geico to fit their unique needs: roadside assistance, rental car reimbursement, rideshare insurance, accident forgiveness, classic car insurance, and mechanical breakdown insurance.
Cons
- Discounts Vary: Geico’s discount offerings vary by state. So, contact a customer service representative to see if certain Geico auto insurance discounts are available in your area.
- Few Local Agents: Unfortunately, Geico doesn’t have many brick-and-mortar agencies, which may not be ideal for drivers who prefer in-person support.
#2 – Progressive: Snapshot Discount
Pros
- Snapshot: You could save up to $321/yr by enrolling in Progressive Snapshot, a telematics program that monitors your driving behavior and rewards a discount for safe driving. (Read More: Progressive Snapshot Review)
- Budgeting Options: Progressive’s Name Your Price program is a tool that allows drivers to tailor their coverage to fit their specified budget. Check out our Progressive auto insurance review to see how much you could pay for the policy you need.
- Great Online Tools: Progressive has a sophisticated online platform and mobile app for policy management, claims filing, and paying premiums.
Cons
- High Rates for Teens: On average, a 16-year-old male with a clean record pays $814 monthly for full coverage with Progressive.
- Snapshot Could Raise Rates: Progressive Snapshot could result in higher premiums if the program sees you’re a bad driver.
#3 – State Farm: Cheap for High-Risk Drivers
Pros
- Cheap High-Risk Coverage: Drivers convicted of a DUI can find cheap high-risk auto insurance coverage with State Farm. (Read More: Cheap Auto Insurance After a DUI)
- Comprehensive Agent Network: State Farm boasts a nationwide network of over 19,000 agents, catering to auto insurance policyholders who value face-to-face interactions and personalized service. Check out our State Farm auto insurance review to learn more about where to get covered near you.
- Several Discounts: You can find various ways to get cheaper auto insurance rates with State Farm’s auto insurance discounts: good driver, good student, Drive Safe & Save, multiple policies, and multiple cars.
Cons
- No Gap Insurance: State Farm doesn’t offer gap insurance coverage for drivers wanting extra protection for their new car.
- High Rates for Poor Credit: You’ll pay around $190 monthly for full coverage auto insurance with State Farm, higher than many other top competitors.
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#4 – Allstate: High Claims Satisfaction
Pros
- Claim Satisfaction Guarantee: If you don’t like how Allstate handled your claim, you can get a credit from the company equal to your six-month premium. Read more on how customers feel about the company’s claims handling in our Allstate auto insurance review.
- Drivewise: Safe driving practices could save you up to 40% with Allstate Drivewise. (Learn More: Allstate Drivewise Review)
- Add-on Coverages: Allstate has a long selection of add-on coverages and benefits for extra protection: accident forgiveness, deductible rewards, safe driving bonus, and new car replacement.
Cons
- High Rates: Allstate has higher-than-average rates compared to its competitors, costing around $160 monthly for a 45-year-old driver with a clean record.
- Poor Customer Reviews: The Better Business Bureau’s (BBB) customer reviews average 1.12 stars out of 5, with 1,136 reviews.
#5 – Farmers: Usage-Based Coverage
Pros
- Farmers Signal: Drivers who enroll in Farmers Signal, a telematics program that monitors driving habits, could save up to 30% on their car insurance rates.
- Local Agents: Farmers has various agencies across the United States to serve policyholders in person. (Read More: Farmers Auto Insurance Review)
- Customizable Coverage: With Farmers, you can customize your policy to fit your needs and budget, with options to buy rideshare insurance, rental car reimbursement, roadside assistance, customized equipment coverage, windshield coverage, and personal umbrella coverage.
Cons
- Few Online Tools: Farmers doesn’t have a great website or mobile app, so customers looking to manage their policy virtually may want to consider another company.
- Expensive Premiums for Teens: Farmers rates for teen drivers can go up to $810 monthly.
#6 – Liberty Mutual: Best for Policy Customization
Pros
- 24/7 Claims Assistance: Liberty Mutual offers 24/7 claims assistance for customers with fluid schedules. Learn more in our Liberty Mutual auto insurance review about customer reviews and claims handling.
- Policy Customization: You can buy better car replacement, original parts replacement, Mexico auto insurance, and gap insurance at Liberty Mutual.
- RightTrack Program: Liberty Mutual RightTrack saves drivers up to 30% on their coverage for safe driving habits.
Cons
- Expensive Rates: Liberty Mutual has some of the highest rates compared to other top providers, averaging $174 per month.
- Poor Customer Review: According to the BBB website, Liberty Mutual’s customer reviews average 1.08 out of 5 stars, with 1,381 customer reviews.
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#7 – Nationwide: Big Safe-Driving Discount
Pros
- Safe-Driving Discount: Nationwide offers one of the highest good driver discounts, topping 40%. See how else you can save on auto insurance in our Nationwide auto insurance review.
- Vanishing Deductible: Lower your deductible by $100 each year you drive safe with Nationwide’s vanishing deductible, though the feature costs extra.
- Good Customer Satisfaction: Nationwide carries a 0.41 complaint index score from the National Association of Insurance Commissioners, with the average being 1.00. So generally, customers are satisfied with their Nationwide insurance.
Cons
- Limited Local Agents: You won’t find many local agencies with Nationwide.
- Not available Nationwide: Despite its name, car insurance with Nationwide isn’t available in every U.S. state, including Alaska, Hawaii, Louisiana, and Oklahoma.
#8 – American Family: Great for Costco Members
Pros
- Costco Member Benefits: Costco offers a member discount on auto insurance with CONNECT, a subsidiary of American Family.
- KnowYourDrive Program: Good drivers save up to 30% for participation in American Family’s telematics program, KnowYourDrive.
- Local Agents: Looking for face-to-face assistance with your auto insurance policy? Consider coverage with American Family, which has a vast agency network.
Cons
- Only Available in Some States: You can only get American Family coverage in 19 states.
- Competitors Offer Cheaper Rates: Many of American Family’s top competitors, such as Geico and State Farm, offer better rates and have higher financial ratings.
Read More: American Family Auto Insurance Review
Why Auto Insurance Companies Need Your SSN
Many factors affect your auto insurance rates, such as your driving record, age, and credit score. Your personal factors will determine how much of a risk you are to insure.
Why do auto insurance companies need your Social Security number? Your SSN is very personal to you and can give your insurance company very specific information. The main way auto insurance companies use your SSN is by checking your credit.
Generally, car insurance companies won't ask for your Social Security number during the quote process, but you may need to provide it to get coverage.Justin Wright Licensed Insurance Agent
Check out the table below for each of the top company’s policy on requiring Social Security numbers:
According to the Insurance Information Institute, the insurance company will not only look at your credit score but also other credit characteristics such as if you make payments on time. Most of the best auto insurance companies, such as Progressive, believe that a higher credit score means a driver is less likely to file a claim and will be more willing to pay for damages out of pocket.
This table shows you just how much your credit score can affect your auto insurance rates with the top providers:
Full Coverage Auto Insurance Monthly Rates by Credit Rating
| Insurance Company | Good Credit | Fair Credit | Poor Credit |
|---|---|---|---|
| Allstate | $322 | $382 | $541 |
| American Family | $224 | $264 | $372 |
| Farmers | $306 | $325 | $405 |
| Geico | $203 | $249 | $355 |
| Liberty Mutual | $366 | $467 | $734 |
| Nationwide | $244 | $271 | $340 |
| Progressive | $302 | $330 | $395 |
| State Farm | $181 | $238 | $413 |
| Travelers | $338 | $362 | $430 |
| USAA | $152 | $185 | $308 |
Drivers with a poor credit score can pay an average of $165 a month more than drivers with a good credit score. However, once you find a company that doesn’t request your SSN, your rates may be more expensive since companies can’t verify your credit.
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Reasons Why Someone Might Need Car Insurance Without an SSN
There are several reasons drivers may want to know whether they can get car insurance without a Social Security number. Here’s a list of certain drivers who may be looking for coverage with an SSN:
- Undocumented Immigrants: Undocumented immigrants who don’t have an SSN need car insurance to drive legally, though only certain states allow them to get a driver’s license.
- International Residents: International residents living in the U.S. temporarily, including students or workers, might need auto insurance.
- People With Privacy Concerns: Some drivers may not want to give their Social due to privacy concerns or poor credit.
Whatever the reason, you can rest assured that many of the top car insurance providers sell policies without you giving up your SSN.
How to Get a Driver’s License Without a Social Security Number
Some U.S. states also allow drivers to obtain a driver’s license without an SSN, which could be beneficial for undocumented immigrants. Our table below shows the states that allow or don’t allow you to get a driver’s license with your Security number:
Once you’ve got your license, evaluate auto insurance quotes from the top companies to get the best auto insurance without an SSN.
Summing up the Best Auto Insurance Companies That Don’t Ask for an SSN
Geico, Progressive, and State Farm have the best car insurance without a Social Security number.
Shop around and compare quotes from multiple companies before you buy auto insurance to find the best deal for you, even if your credit score is poor. Each company will weigh your credit differently and offer different rates. (Read More: Does getting an auto insurance quote hurt your credit score?)
Now that you know about auto insurance companies that don’t ask for an SSN, enter your ZIP code below to find cheap car insurance near you for free today.
Frequently Asked Questions
Are there auto insurance companies that don’t require a Social Security number (SSN)?
Yes, some auto insurance companies do not ask for a Social Security Number (SSN) as a requirement for obtaining insurance coverage. These companies understand that not everyone may have an SSN or may prefer not to provide it. However, it’s important to note that insurance companies may still require alternative forms of identification or information to assess risk and provide accurate quotes.
What types of identification or information can be used instead of an SSN when applying for auto insurance?
Insurance companies may accept alternative forms of identification or information in place of an SSN. Some common alternatives include:
- Driver’s License Number: Your driver’s license number is often required for auto insurance applications as it verifies your identity and driving record.
- Individual Taxpayer Identification Number (ITIN): If you don’t have an SSN, you may have an ITIN, which can be used as an alternative identification number for insurance purposes.
- Passport Number: Your passport number can serve as an identification document when applying for auto insurance.
- Other Personal Information: Insurance companies may ask for additional personal information, such as your full name, date of birth, address, and employment details, to assess risk and provide accurate quotes.
Can I still get competitive rates and coverage from auto insurance companies that don’t ask for an SSN?
Yes, you can still receive competitive rates and coverage from auto insurance companies that do not require an SSN. The absence of an SSN requirement does not necessarily impact the quality of coverage or pricing. However, it’s important to shop around, compare quotes from multiple insurers, and evaluate the coverage and terms of each policy to ensure you are getting the best rates and suitable coverage for your needs.
Are there any disadvantages to not providing an SSN when applying for auto insurance?
While not providing an SSN may not necessarily have direct disadvantages, it’s important to consider that insurance companies use various factors to assess risk and determine premiums. Without an SSN, insurers may rely more heavily on other personal information, such as your driving record, credit history (where applicable), and other factors that can impact rates. It’s also possible that some insurers may require additional documentation or information to compensate for the lack of an SSN.
Can I still get a personalized quote without providing an SSN?
Yes, many auto insurance companies can provide personalized quotes without requiring an SSN. They often use alternative identification information, such as your driver’s license number, to assess risk and generate accurate quotes. You can typically obtain a quote by providing the necessary details, such as your vehicle information, driving history, and other relevant personal information, without needing to provide an SSN.
How can I find auto insurance companies that don’t ask for an SSN?
To find auto insurance companies that do not require an SSN, you can:
- Research online: Look for insurers that explicitly state their SSN requirements on their websites or in their marketing materials. This information can help you identify companies that may not ask for an SSN.
- Contact insurance agents: Reach out to independent insurance agents who work with multiple insurance companies. They can provide information on insurers that are more flexible with their identification requirements.
- Ask insurance companies: Contact insurance companies directly and ask about their policies regarding SSN requirements during the application process. They can provide clarity on whether they ask for an SSN or if they accept alternative forms of identification.
Is it safe to give an auto insurance company your SSN?
You might not need to be worried about how to get auto insurance without an SSN. The auto insurance companies that do ask for an SSN take your privacy very seriously.
It’s always best to go with a reputable company to make sure the auto insurance company is doing everything in its power to keep your SSN secure and give you peace of mind.
Also, don’t give out your SSN until you’ve picked an auto insurance company. While your quoted rates won’t be quite as accurate, you can still get an idea of which company can offer you the better deal.
What happens if a driver doesn’t have an SSN?
You’ll need to provide a driver’s license when you find an insurer that doesn’t require an SSN, and most states require an SSN to get a license.
However, 19 states don’t require an SSN for a driver’s license, including California, Colorado, Connecticut, Delaware, Hawaii, Illinois, Maryland, Massachusetts, Minnesota, New Jersey, New Mexico, New York, Nevada, Oregon, Rhode Island, Utah, Vermont, Virginia, and Washington. You can also get a driver’s license without an SSN in Washington, D.C.
Can I get car insurance with an Individual Taxpayer Identification Number (ITIN)?
Some insurers might allow you get car insurance coverage with an ITIN number depending on their policy. Contact an insurance company and ask to be sure.
Does Geico ask for a Social Security number?
Geico won’t ask you for your SSN while getting a quote, but you’ll need to provide it during the application process.
How do I get car insurance without a driver’s license?
You can get auto insurance without a license by considering yourself an excluded driver or naming a co-owner for your car.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
