Auto Insurance Without SSN in California
Seguro de Auto Sin Número de Seguro Social
You don't need a Social Security Number to get auto insurance in California. We accept ITIN, Matricula Consular, AB 60 licenses, and more. Your information stays 100% confidential.
No Social Security Number? No Problem.
Many people believe you need a Social Security Number to get car insurance in California. This is simply not true. California law allows you to purchase auto insurance using alternative forms of identification.
At Auto World Insurance, we've helped thousands of California drivers without SSNs get the coverage they need. We understand your situation, speak your language, and keep your information completely confidential.
Documents We Accept Instead of SSN
ITIN
Individual Taxpayer Identification Number
Matricula Consular
Mexican Consular ID Card
AB 60 License
California driver's license for undocumented residents
Foreign Passport
Valid passport from any country
Foreign Driver's License
Valid license from your home country
Other Valid ID
We work with various forms of identification
🔒 Your Privacy Is Protected
We understand that privacy is extremely important to you. Here's our commitment:
- ✓ We do not share your information with any government agency, except as required by law (e.g., SR-22 DMV filings)
- ✓ Your data is used ONLY for insurance purposes
- ✓ We are a private business, not affiliated with any government
- ✓ Your trust and confidentiality come first
Car insurance without an SSN in California at a glance
Eight facts that answer most of the questions we get from drivers without a Social Security number.
- California does not require a Social Security number to buy auto insurance. Insurers use an SSN mainly as an identifier, and California carriers accept alternatives.
- Accepted in place of an SSN: an ITIN (IRS Individual Taxpayer Identification Number), a Matrícula Consular, an AB 60 California driver license, a valid foreign passport, or a foreign driver license.
- An AB 60 license is a full California driver license. California law prohibits treating it differently from any other California license, including for insurance.
- Your rate is set by your driving record, ZIP code, vehicle, coverage limits, and prior insurance history — not by whether you have an SSN.
- State-minimum liability (30/60/15 since January 1, 2025) starts around $29/month for qualifying drivers; full coverage is required if the car is financed.
- Coverage is bound the same day and digital ID cards are issued within minutes — accepted by the DMV for registration. Auto World reports the policy to the DMV electronically.
- An SR-22 can be filed for ITIN and AB 60 license holders the same business day; if you do not own a car, a non-owner SR-22 works too.
- Bilingual agents, and your information is used only to write the policy — Auto World is a private licensed broker, not a government agency.
Starting price is for state-minimum liability and qualifying drivers; your premium is set by carrier underwriting.
Which document should you use?
Any one of these is enough to quote and bind. Bring the one you have; you never need more than one.
| Document | What it is | Good to know |
|---|---|---|
| ITIN | A nine-digit taxpayer number issued by the IRS to people who file taxes but are not eligible for an SSN. | The most common alternative we see. Used only as an identifier on the application. |
| AB 60 license | A full California driver license issued under Assembly Bill 60 to residents who cannot prove lawful presence. | Treated exactly like any other California license. Your California driving record follows it, which usually helps your rate. |
| Matrícula Consular | A photo ID issued by a Mexican consulate to Mexican nationals living abroad. | Accepted as identity by our carriers. Pair it with your driver license (any country) for the quote. |
| Foreign passport | A valid passport from any country. | Identity only — you will still need a driver license to be rated as the driver. |
| Foreign driver license | A valid, current license from your home country. | Accepted by several of our carriers. Because there is no California driving history to rate, some carriers price it as a new driver until you have a California license. |
What actually sets your rate (it isn't your SSN)
Because carriers cannot pull a credit-based insurance score without an SSN, drivers sometimes assume they will be charged more. In California that concern is smaller than elsewhere: California's Proposition 103 rules already require rates to be driven first by your driving safety record, then annual mileage and years of experience. What moves your premium is:
- ✓Driving record — tickets, at-fault accidents, a DUI or an SR-22 requirement.
- ✓ZIP code — where the car is garaged.
- ✓Vehicle and use — year, make, model, annual miles, commute vs. pleasure.
- ✓Coverage limits — state minimum vs. higher limits, and whether the car is financed (full coverage required).
- ✓Prior insurance — California bars carriers from pricing you on the absence of prior coverage by itself (Ins. Code 1861.02(c)), so a first policy is not penalized. If you are between cars, a non-owner policy keeps the history unbroken.
Need an SR-22 as well? It can be filed the same business day for ITIN and AB 60 holders — see SR-22 insurance in California.
Why California Drivers Without SSN Choose Us
Bilingual Service / Servicio Bilingüe
Hablamos español. Our team can help you in English or Spanish.
No Discrimination
Your rate is based on your driving record, not your documentation status
Same-Day Coverage
Get insured and receive your documents today
Multiple Carriers
We compare multiple insurance companies to find you the best rate
🇪🇸 ¿Necesitas ayuda en español?
Tenemos una página completa en español para ti. Visita nuestra página en español o llama al (619) 363-4466 para hablar con un agente bilingüe.
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Get My Free QuoteFrequently Asked Questions
Can I get car insurance without a Social Security Number in California?
What documents do I need if I don't have an SSN?
Is insurance more expensive without an SSN?
Do you share my information with immigration authorities?
Can I get insurance with an AB 60 license?
Can I use my foreign driver license, or do I need a California license?
Can I get an SR-22 without a Social Security number?
Does the DMV need my SSN for the insurance to count?
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Auto World Insurance Services (Yako Enterprises Inc.) is a licensed California insurance broker, CA Insurance Broker License #6005606. Rates shown are estimates only and vary based on driving record, vehicle, location, coverage selections, and other factors. Quotes do not guarantee coverage or final pricing. All coverage is subject to underwriting approval by the issuing insurance carrier. Not all applicants will qualify. This is general information only, not legal, financial, or professional advice. For legal questions regarding DUI, SR-22, or license reinstatement, consult a qualified attorney. See our Privacy Policy for information on how we handle your data.