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Expat Auto Insurance USA

Tailored Car Insurance for Expats living in America

ExpatRide is the preferred provider for many Fortune 1000 companies and relocation companies.

Get An Auto Insurance Quote Here!

Together with our insurance partner AIG

We offer the most competitive rates for expat insurance products in the U.S.

Expatriates often find it difficult to qualify for automobile insurance. We provide access to competitive rates and terms that give credit for foreign driving records.

Please read more about the process and the required documents below.

A Few of the Many Advantages of the Expat Automobile Insurance:

Agreed value
AIG will work with you to determine the value of your vehicle(s). If a total loss occurs, you’ll receive that agreed-upon amount, regardless of market depreciation. (1)

Worldwide coverage
Most auto insurance policies limit coverage to accidents that happen in the US and its territories. With us, you’re protected no matter where your travels take you. (2)

New vehicle replacement
If a new vehicle (3) is “totaled” within three years of its purchase, you can opt to receive the agreed value; replace it with a vehicle of the same year, make and model; or receive a new vehicle of the same make and like model—including hybrids or alternate fuel editions.

Waiver of deductible
If your car is damaged beyond repair, your deductible will be waived.

Transportation expense
You can be reimbursed, with no per-day limit, for the costs to rent a vehicle while yours is being repaired. You have the option to rent a car of comparable value as well. (4)

Emergency living expenses
If your car breaks down or you’re in an accident far from home, you can be reimbursed for lodging and related expenses.

Original manufacturers’ parts
If repairs must be made, only original manufacturers’ parts will be used. (5)

Personal property
If personal property is either damaged during an accident or stolen from your vehicle, you can replace it with an item of like kind and quality without having to pay a deductible.

Pet coverage
If the family dog or cat is injured during an accident, you can be reimbursed for related expenses.

Cash settlement (optional)
If damage to your vehicle equates to more than half of its agreed value, you may not want to keep it—even when repairs are possible. Our cash payout option is offered at a lower threshold than most carriers will allow.

Worldwide (6) rental vehicle coverage
If you’re in an accident while renting a car abroad, we’ll cover costs pertaining to the vehicle’s physical damage as well as any lost income claims filed by the rental company. This means you don’t have to purchase a collision damage waiver.

The small writing (referring to the numbers above):
1. Depreciation is applied to regular use vehicles at renewal. However, depreciation is not applied to collector vehicles at renewal.
2. Restrictions apply. Also, some countries/jurisdictions require the purchase of local coverage.
3. Not previously titled.
4. Up to $12,500.
5. Unless the parts are no longer made; excludes window glass.
6. Coverage outside of the policy territory only applies to autos that are rented by you for no longer than ninety (90) days.

In order to quote the lowest rate, the below information is needed:

VIN (Vehicle Identification Number)
Any insurance quote will be a sample quote until a VIN number is provided.

A residential address within the U.S
Until it is a permanent home address, quotes will need to be redone.

No Claims Bonus Letter
A letter from your previous auto insurance company showing 5 years of history and any claims listed. Without it, the quoted rate may be higher.

A local U.S driver’s license
will help reduce insurance rates.

A Guide to Understanding Your Personal Automobile Policy

For many people, understanding the insurance terminology on an automobile policy is complicated. To help you better understand your policy, we have defined essential terms you may need to know. Of course, if you still have questions regarding information found in your policy, please call the service number listed on your policy declarations page and speak with one of AIG's representatives. Please note that each coverage described below may vary by U.S. state.

Click each terminology to see explanation

  • Bodily Injury Liability Coverage

    Protects the insured as the owner or driver of a vehicle for all sums, up to the policy limits, which the insured becomes legally obligated to pay because of bodily injury to an injured third party. This coverage also pays defense costs against legal actions. Bodily Injury Liability limits are usually split with the first figure limiting payment to a single person per accident and the second limiting payment in total for all persons injured.

  • Property Damage Liability Coverage:

    Similar to Bodily Injury Liability coverage but limited to damage caused by you to another person’s property, such as a vehicle, fence, or telephone pole.

  • Medical Payments Coverage

    Pays up to a specified amount for injuries sustained by you and covered persons in your vehicle, regardless of who is at fault in an accident. Unlike Personal Injury Protection coverage, Medical Payments only pays for medical expenses.

  • Personal Injury Protection Coverage

    This coverage is also referred to as “No Fault” coverage. The extent of this coverage varies by U.S. state, but it generally pays for medical and rehabilitative expenses, work loss, funeral expenses and replacement services incurred by you, members of your family and passengers in your vehicle. The insured and family members are also covered when struck as pedestrians. This coverage pays regardless of who is at fault in an accident.

  • Uninsured Motorist Bodily Injury Coverage

    Protects you and the occupants of your vehicle for bodily injury up to your policy limit as a result of an accident with a legally liable uninsured motorist or a hit-and-run driver.

  • Uninsured Motorist Property Damage Coverage

    Protects your property up to your policy limit for property damage that results from an accident with a legally liable uninsured motorist or hit-and-run driver. It is available in some U.S. states and is sometimes subject to a deductible. This coverage can be rejected in writing by the insured in some U.S. states.

  • Underinsured Motorist Bodily Injury Coverage

    Pays for your injuries when the legally liable third party has insufficient policy limits to cover your injuries.

  • Underinsured Motorist Property Damage Coverage

    Protects your property up to your policy limit for property damage that results from an accident with a legally liable underinsured motorist or hit-and-run driver. It is available in some U.S. states and is subject to a deductible. This coverage is not available in all U.S. states. This coverage can be rejected in writing by the insured in some U.S. states.

  • Comprehensive Coverage (Other Than Collision Coverage)

    Comprehensive Coverage (Other Than Collision) is sometimes referred to as “fire and theft.” However, a more accurate description is loss to your vehicle caused by some event other than a collision. This includes coverage against perils such as hitting an animal, vandalism, riot, flood, wind and hail, as well as fire and theft, and glass breakage.

  • Collision Coverage

    Protects your vehicle against direct and accidental loss by collision with another vehicle or fixed object. It also covers upset or overturn of vehicle.

  • Towing And Labor Coverage

    This coverage is only available to drivers who insure their autos for Comprehensive Coverage. This coverage helps to reimburse expenses you may incur if your car is in an accident or becomes temporarily disabled and needs to be towed to a repair shop. Under the LABOR portion of this coverage, the insurance company will pay for labor performed at the place of disablement up to the amount listed on the Policy Declarations Page as applicable to that vehicle. The LABOR portion of this coverage would include services such as bringing the insured gas or charging a battery. It does not
    include the cost of repair parts and does not include coverage for locking your keys in your car rental.

  • Reimbursement Coverage

    This coverage is only available to drivers who insure their autos for Comprehensive Coverage. This coverage helps to reimburse expenses you may incur if you need to rent a car while your car is in the repair shop due to a covered loss.

  • Deductible

    A deductible is a portion of an insured loss that is not paid by insurance. The deductible is subtracted from the amount the insurer would otherwise be obligated to pay.

Expat Insurance Products

    • Automobile Insurance
    • Home Insurance
    • Renters Insurance