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Car Insurance in the USA

For Expats, U.S. Citizens & Residents

Choose the U.S. car insurance that fits your specific needs and budget.

  • Get real time quotes from several “A” rated companies
  • Compare quotes quickly and easily
  • Select the best policy for your needs and budget


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Whether you’re a foreign national, a permanent resident, a U.S. citizen returning home, or an expat moving to America and looking for car insurance in the U.S.A., you can pick from several coverage options.

Save time and get a car insurance quote in the United States that fits your needs by comparing rates from multiple insurance carriers across the United States.

Available Vehicle Coverages for the U.S.

Car Insurance

Having a car in the U.S. can let you go anywhere. Before you start driving, know that most states in America require valid auto insurance. If you don’t have it, you could end up paying hefty fines or face jail time.

Choose a car insurance bundle with the coverage types and add-ons you need. That way, you can minimize your risks and keep your costs low regardless if you are an expat, resident, or U.S. citizen.

Motorcycle Insurance

Nothing says “freedom” like hitting the open road with your motorcycle. Just like driving a car, you’ll likely need motorcycle insurance, as most states require you to carry it. Motorcycle insurance can cover you and your motorcycle for things like accidents, damages, and theft.

No rider is the same, so choose a motorcycle insurance bundle with the coverage types and add-ons that fit your needs.

ATV Insurance

Love the thrill of driving an ATV? Getting specialized ATV insurance coverage is recommended, as accident and theft risks can be much higher with these vehicles.

RV Insurance

RV insurance can protect you from unforeseen risks, whether you’re looking to insure your RV or modify your current coverage. Our insurance advisors can help you pick the coverage that best fits your needs.

Boat Insurance

With a boat, adventures can feel limitless. Like most things in life, owning a boat can come with risks and responsibilities. Even though most states don’t require boat insurance, having it can be the difference between an inconvenience and financial strain. Quotes typically are quite affordable, but pricing can depend on the type of boat you have.

Jet Ski Insurance

Owning a jet ski is a lot of fun, especially if you’re an experienced rider. In some circumstances, having jet ski insurance can be necessary, as riding without it could leave you liable in the event of an injury or accident. Speak to our insurance advisor to see if jet ski insurance is right for you.

Classic Car Insurance

While it may be a cherished hobby of yours, maintaining your classic car can leave a hole in your wallet if something happens to it. Classic car insurance can fit the unique needs of your vintage ride and typically costs less than your standard car insurance policy.

Umbrella Car Insurance

Umbrella coverage can provide additional protection on top of your standard car insurance coverage in the US. It can be a great addition if you worry your existing liability coverage isn’t adequate.

Clements Worldwide offers all this through our partnership with bolt agency, making your transition to the United States much easier with affordable and comprehensive insurance solutions.

Request a U.S. Car Insurance Quote

Fill out the form to request a Car Insurance quote or call us at 1.833.385.2866 Monday – Friday, 8am – 8pm EST.
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What are the Main Types of Car Insurance in the U.S.?

The common types of insurance in the U.S. are:

Liability Insurance – covers the other driver’s property and bodily injuries if you’re at fault in an accident

Comprehensive Coverage – protects your vehicle from non-driving events such as theft or acts of nature, like hail damage

Collision Insurance – covers car accidents or collision with a stationary object

Most U.S. states require basic liability insurance that provides coverage in the event you injure a person (bodily liability) or damage their property (property damage liability). Each state in America has different minimum car insurance requirements, but many follow the “25/50/25 limit” which is:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

In addition to the above types of auto insurance in the U.S., there is also stated amount and agreed/guaranteed value insurance, but these coverages are usually only applied in unique circumstances, such as insuring expensive or modified vehicles.

For specific limits in your state, consult an insurance professional or contact your state’s Department of Motor Vehicles (DMV).

Which Insurance Do I Need?

The right insurance for you depends on multiple factors. Work with a reputable insurance broker, who will guide you through the complexities.
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Your state’s legal limits, which vary by state.

Financial risk you are willing to assume should something happen to your car, as described above. If you are unable or unwilling to pay out of pocket for those events, then you should consider comprehensive and collision coverage.

Be prepared! If you are unsure which insurance is right for you, please speak with a licensed insurance professional to ensure your level of coverage is sufficient to prevent being financially blindsided in the event of an accident.

How Will I Get My Quote?

Here are the steps to how you can get your car insurance quote for the U.S.A.:


After submitting the quote form, you will receive an email in response to your request for a U.S. car insurance quote


A licensed insurance agent will contact you by phone or email to help you find suitable coverage


The agent will then provide you with multiple insurance quotes to review and choose from


Select the quote that best fits your needs


Submit your payment details by phone or email with a DocuSign application form


You’ll receive an email confirming your new insurance policy details

How Does American Car Insurance for Foreigners and Expats Work?

An expat residing in the U.S. is eligible for car insurance; this includes temporary residency.

We do not require a U.S. driver’s license to obtain a car insurance policy

The claims process is the same for non-U.S. citizens

A live person is available 24/7 to handle your claims

What are the Benefits of Expats in the U.S. Using Clement?

Simply put, it’s easy to do business with Clements. Many expats who move to the U.S. find it’s difficult to get car insurance while they’re still getting established, but our policies are designed to handle the complexity of global living. Our insurance professionals are trained to handle an expat’s specific circumstances.

Do Short-Term Visitors to the U.S. Need to Be Insured?

Yes. Both visitors and residents are legally required to carry the minimum auto insurance requirement for the state in which they are visiting or living. Vehicle insurance in America is necessary whether you rent, own, or lease the car. Rental car companies usually provide tourists with insurance options, but depending on the length of your stay, you may save money through an insurer instead of a rental car company. If you’re unsure which U.S. car insurance option is best for you, give our insurance specialists a call at 1-833-385-2866 to discuss your options.

About bolt

bolt is one of the world’s leading property and casualty (P&C) insurance marketplaces, with a broad range of carriers and insurance options available. On behalf of Clements, their licensed agents will assist you in understanding your insurance needs, answering questions, and addressing any concerns you have.

Coverage available may vary depending on the state you live in. Our expert agents can provide details on what’s available for your location.

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You’ll speak directly with an agent when calling during business hours:

  • Monday – Friday, 8am – 8pm, Eastern Standard Time

FAQs About U.S. Car Insurance

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Contact Us

Still have questions? Fill out the form or call us at 1-833-385-2866 during business hours: Monday – Friday, 8am – 8pm, EST