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New customer to Sun Coast? You are in the right place. Select a product below to get started.
New customer to Sun Coast? You are in the right place. Select a product below to get started.
An ITIN is a nine-digit number that starts with the number 9 and is formatted like a Social Security Number (9XX-XX-XXXX). It's issued by the IRS specifically for tax purposes and does not authorize work in the U.S. or provide eligibility for Social Security benefits.
For car insurance purposes, some carriers may accept an ITIN as an alternative form of identification when a Social Security Number isn't available. This matters because many national insurance carriers use SSNs to run credit-based insurance scores — a key step in their quoting process. When you don't have an SSN, those systems often stop working. But not every carrier relies on the same underwriting process, and some may be willing to work with an ITIN instead.
Not all carriers accept ITINs, and availability varies by state. Large national carriers that rely on automated quoting and credit-based pricing are often the least flexible. Specialty and non-standard carriers tend to have more flexibility in how they verify identity and assess risk.
This is one of the core reasons working with an independent agent may be helpful. Rather than being limited to a single company's rules, an independent agent can check across multiple carriers to find ones that may be able to issue a policy using your ITIN.
Sun Coast General Insurance works with multiple carriers and can help explore which options may be available to you in California and other states where we operate.
California is one of the more accessible states for drivers who rely on alternative identification. The state issues driver's licenses under AB 60 regardless of immigration status, which means many residents who hold ITINs also have valid California-issued driver's licenses.
Having a California driver's license may help when applying for insurance, as some carriers require a valid license number but may be flexible on the SSN requirement when a state-issued license is present. Combining your ITIN with your California AB 60 license may improve the options available to you.
Drivers with ITINs who are able to obtain a policy may have access to the same coverage types as other insured drivers, depending on the carrier:
Liability insurance — Required in California and other states. May cover bodily injury and property damage you cause to others, up to your policy limits.
Uninsured/underinsured motorist coverage — May help protect you if you're involved in an accident with a driver who carries no insurance or not enough to cover your damages.
Comprehensive and collision — May cover your vehicle for damage from accidents, theft, weather, and other covered events.
Medical payments coverage — May help pay for medical expenses for you and your passengers following a covered accident.
The availability and cost of these coverages will depend on the carrier, your driving record, the vehicle, your location, and other factors.
