At Rathbun Insurance, we believe in ensuring that everyone in our community has access to essential services, including auto insurance. Navigating the system can be challenging, especially for undocumented individuals or those with an international driver’s license. To help, we’ve put together a guide to explain what’s needed to purchase auto insurance in Michigan and how your driver’s license type can impact your rates.

Can You Buy Auto Insurance Without a Michigan Driver’s License?

Yes! Michigan allows individuals without a state-issued driver’s license to purchase auto insurance. This is important for those who are undocumented or have an international driver’s license. In Michigan, auto insurance is required by law for all vehicles, regardless of the driver’s immigration status. However, the type of license you hold may affect your insurance rates and coverage options.

What Type of License Do You Need to Buy Auto Insurance?

While you don’t need a Michigan driver’s license to buy auto insurance, you will need to provide some form of valid identification. Common alternatives include:

• International Driver’s License/Permit: If you are new to Michigan and hold a valid international driver’s license, most insurers will accept this as long as you also provide other required documentation.
• Foreign Driver’s License: Some insurance companies will allow you to purchase insurance with a valid foreign driver’s license, although rates may be higher due to a lack of U.S. driving history.
• State Identification: For those unable to obtain a driver’s license, you may use a Michigan State ID to purchase insurance, but you won’t be able to legally drive the vehicle without a valid license.

What Type of License Do You Need to Legally Drive?

In order to legally drive in Michigan, you will need one of the following:

• Michigan Driver’s License: If you’ve lived in Michigan for an extended period, it is recommended to obtain a Michigan driver’s license. This will help lower your auto insurance rates over time and make sure you are legally permitted to drive.
• Temporary Resident Driver’s License (TRDL): Available for individuals who have temporary legal status, such as students or work visa holders.
• Foreign Driver’s License: If you are a visitor or new resident, you may be able to drive with a foreign driver’s license for a limited time. However, after a certain period, you will need to apply for a Michigan license.
• International Driving Permit (IDP): This can be used in conjunction with a foreign license for temporary use, but it does not replace the need for a Michigan license if you become a resident.

How Does the Type of License Impact Your Insurance Rates?

The type of license you hold can significantly impact your insurance rates:

1. Michigan Driver’s License: Insurance companies can easily verify your driving history, so rates are generally lower if you have a Michigan driver’s license.
2. International or Foreign License: Without a Michigan driving history, insurers may view you as a higher risk. This can lead to higher rates as they rely on less information to assess your driving behavior.

Steps to Get Insured with a Foreign or International License in Michigan

Here’s a step-by-step guide to getting auto insurance in Michigan if you don’t have a Michigan driver’s license:

1. Gather Your Documents: Prepare identification (international license, foreign license, or state ID) and documentation for the vehicle you intend to insure (title and registration).
2. Call Rathbun Insurance for a Review of Insurance Providers: Reach out to Rathbun Insurance who will be able to search multiple insurance companies that specialize in working with drivers who don’t have U.S. licenses. Rathbun Insurance offers assistance in finding the right policy for your situation.
3. Get an Insurance Proposal: Provide your driving and vehicle information to obtain an insurance proposal. Rates may vary based on the type of license, but rest assured that we will work with you to find the most affordable option.
4. Purchase Your Policy: Once you’ve reviewed your coverage options, select the policy that fits your needs. You’ll need to show proof of insurance before you can legally drive.
5. Apply for a Michigan Driver’s License (If Needed): If you plan to stay in Michigan long-term, it’s recommended to apply for a state license. Having a Michigan driving record can help lower your insurance rates over time.

At Rathbun Insurance, we understand that the path to obtaining auto insurance and navigating license requirements can be confusing for undocumented individuals and those with international licenses. Our goal is to make the process simple and provide you with the coverage you need to stay safe and compliant on Michigan roads.

If you have questions or need assistance with finding the right insurance policy, our team is here to help. We’re committed to ensuring that everyone, regardless of their background, has access to reliable auto insurance. Contact us today to get started!