Do auto insurance companies need your Social Security number?

Car insurance companies require a Social Security Number before they issue an auto insurance policy. Your SSN allows car insurance companies to check your credit and criminal background histories to determine your rates.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: May 21, 2022

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Things To Remember

  • Your auto insurance company uses your Social Security number to review your credit as part of rate calculations
  • If you don’t provide your Social Security number, you may have to pay a higher rates
  • Some states, such as California and New York, don’t require your Social Security number for auto insurance 

When applying for auto insurance, you might be wondering if you can get car insurance without a Social Security number.

It depends on where you live. While some states require a Social Security number, other states don’t.

Remember that providing a Social Security number might get you a lower insurance rate.

Get started comparing auto insurance rates without your Social Security number by simply entering your ZIP code into our free comparison tool above.

Why do auto insurers need your Social Security number?

You use your Social Security number (SSN) to open bank accounts, buy a car, purchase a home, and more. But, why do auto insurers need your Social Security number? And what do they use it for?

Auto insurers in most states use your Social Security number to check your credit history to help determine your insurance rates. Obviously, the better your credit history, the better your rate. 

Using your SSN, your auto insurance company also checks your criminal background history. Based on your criminal background check, the insurance company will be able to see whether you’ve ever committed insurance fraud, vehicular manslaughter, or other crimes that might impact your auto insurance rates. If you have a criminal record, you might need to purchase high-risk insurance.

And, of course, your SSN is used to verify your identity.

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Can you get car insurance without a  Social Security number?

If you want the best possible rates, you’re going to have to provide your Social Security number to the auto insurance company you plan on purchasing a policy from. While you don’t have to provide it during the quote process, your rate may change if you do provide it when you buy the policy.

While not all auto insurance companies require your Social Security number, most of them will. Even if a company doesn’t ask for your SSN, auto insurance will be easier to get if you provide your Social Security number. It’s also the easiest way to prove your identity, and most top insurance companies like GEICO, Progressive, and State Farm require it.

If you live in one of the states below, you aren’t required to provide your Social Security number when applying for insurance. They include:

  • California
  • Colorado
  • Connecticut
  • Delaware
  • Connecticut
  • New York
  • Utah
  • New Mexico
  • Maine
  • Maryland
  • Nevada
  • New Hampshire
  • Illinois
  • Vermont
  • Washington 
  • Washington D.C.
  • Hawaii

In some of these states, your credit record can’t be used to calculate your rates.

How does my credit score affect my auto insurance rate?

Providing your Social Security number allows insurance companies to check your credit score. However, when credit-based insurance is allowed, your credit score isn’t the only criterion when determining your rate. Instead, auto insurance companies look at the following:

  • Late payment history
  • Longstanding credit history
  • Open accounts in good standing

Someone with a lower-than-average credit score might pay more than someone with an average credit score. That’s because, in the eyes of the insurance company, someone with a late payment history or fewer accounts in good standing is more likely to miss payments and file more claims.

If the insurance company thinks you’re at risk for filing claims, your rate will be higher to compensate for the expense they’ll eventually incur.

Check out this table to see just how much your credit score impacts your car insurance rates.

Average Annual Auto Insurance Rates Based on Credit Rating
CompaniesAverage Annual Rates with Good Credit RatingAverage Annual Rates with Fair Credit RatingAverage Annual Rates with Poor Credit Rating
USAA$1,821.20$2,219.83$3,690.73
State Farm$2,174.26$2,853.00$4,951.20
GEICO$2,434.82$2,986.79$4,259.50
American Family$2,691.74$3,169.53$4,467.98
Nationwide$2,925.94$3,254.83$4,083.29
Progressive$3,628.85$3,956.31$4,737.64
Farmers$3,677.12$3,899.41$4,864.14
Allstate$3,859.66$4,581.16$6,490.65
Travelers$4,058.97$4,344.10$5,160.22
Liberty Mutual$4,388.18$5,604.24$8,802.22
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What do I need to do to get car insurance?

All you really need to do is fill out an application and provide some basic information about you, the vehicle you are insuring, and your driving history.

Gather all of your information prior to applying and provide it to your auto insurance company when it’s requested. Here’s a brief car insurance checklist to help ensure you have everything you need to apply for car insurance:

Vehicle Information

  • Make, model, and year
  • Vehicle Identification Number
  • Safety features (anti-lock brakes, passive restraint systems, etc.)
  • Anti-theft devices you might have (i.e., GPS trackers)
  • Mileage

About You

  • Age
  • Driving record
  • Safe driving courses completed

About Your Household

  • Complete address
  • Drivers who will be on the policy
  • Where you park your car 

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Do auto insurance companies need your Social Security number? Bottom Line

Understandably, you may be hesitant to give out your SSN. Thankfully, most companies nowadays take precautions to protect private information from potential threats. Keep in mind that you can probably obtain a better auto insurance rate if you’re willing to share it. 

You can buy auto insurance without your Social Security number if you wish. Entering your ZIP code below to get auto insurance quotes without your Social Security number.

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