Why is car insurance more expensive for an international student?

I have been getting car insurance quotes from different companies and my rates are really high. All of my other friends who are from the US pay way less. Why are rates higher for international students?

Answer
Car insurance rates for international students are higher because you pose more risk. Without a U.S. license, credit history, or driving record, insurers can’t quantify how good of a driver you are or if you’re a risk to default on your payments.
At first, you may have to pay higher rates. After a year, most states allow you to apply for a driver’s license, which can significantly lower your rate. You can also shop car insurance quotes online every six or 12 months to find a lower rate.”
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Emily Maracle
Answered on Jul 29, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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