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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.
Most large insurance carriers use a Social Security Number to run a credit-based insurance score, which is one of the factors they use when calculating your premium. Without an SSN, their quoting systems often can't complete the process — which is why many drivers without one hit a wall when trying to get a quote online or over the phone with national carriers.
This doesn't mean you can't get insured. It means some carriers aren't equipped to serve you. Independent agents who work with non-standard and specialty carriers may have more options available.
Depending on the carrier, there may be alternative ways to identify yourself for insurance purposes. Some carriers may accept:
An Individual Taxpayer Identification Number (ITIN). An ITIN is issued by the IRS to people who need to file taxes but aren't eligible for a Social Security Number. Some insurance carriers accept ITINs in place of SSNs for the purpose of obtaining a policy.
A foreign passport or consular ID. Depending on the carrier and state, a foreign government-issued ID may be acceptable as identifying documentation.
A driver's license number. In California and some other states, the DMV issues driver's licenses regardless of immigration status under AB 60. A California-issued driver's license number may be sufficient for some carriers to issue a policy.
Not all carriers accept all forms of identification. This is one of the reasons working with an independent agent who has access to multiple markets may be helpful — we can look across carriers to find one that may work for your situation.
California has one of the more accessible environments for drivers without a Social Security Number. Under California AB 60, the state issues standard driver's licenses to residents who cannot provide proof of legal presence in the U.S. Having a valid California driver's license may open doors with carriers that require a license number but not necessarily an SSN.
California also limits the extent to which insurers can use credit-based insurance scores in certain contexts, which may reduce the impact of not having an SSN for credit-scoring purposes.
That said, availability of coverage still depends on the carrier. Not every insurer in California will issue a policy without an SSN, and requirements vary.
Drivers who obtain a policy without an SSN may be able to access the same types of coverage available to other policyholders, depending on the carrier:
Liability coverage — Required in California and most other states. May cover bodily injury and property damage you cause to others in an at-fault accident, up to your policy limits.
Uninsured/underinsured motorist coverage — May help cover your costs if you're hit by a driver with no insurance or insufficient coverage.
Comprehensive and collision coverage — May cover your own vehicle for damage from accidents, theft, fire, or weather events.
Medical payments coverage — May help pay for medical costs for you and your passengers after an accident.
The specific coverages available and their costs depend on the carrier, the state, your driving history, the vehicle, and other factors.
