How to Get Car Insurance for Exchange Student

by Contributor

Exchange students usually visit the U.S. from 6 to 9 months and might want to drive a car which requires insurance. Foreign nationals can carry an International Driving Permit for a maximum of 1 year from the date of entry into the U.S. Exchange students can also use this permit to get car insurance.

Check your university brochure. If you come to the U.S. on a J-1 visa (given to exchange students) and want to drive a car, you need to bring an International Driving Permit. Your university will give you a comprehensive insurance policy to register and drive a car.

Rent a car if you'd like to drive once in a while. Renting a car is easy with an International Driving Permit. You can either get a non-owner's insurance policy from a local insurance agent or insurance available from the car rental itself.

Call for quotes and shop for the best rates on a non-owner's policy. You may not have an established driving history, so your premium is likely to be higher.

Get a guardian through your university's exchange student adoption program. Check the availability of a guardian with your exchange program coordinator. You can then add your name to their existing insurance policy temporarily and pay them for the difference in their premium.


  • check The length of your stay will probably be limited, so it may be smart not to own a car. As an alternative, you can rent a car or get your name added to a local guardian's insurance policy. This will be cheaper than buying and insuring a used car. But the cost of renting a car will add up after three months. For a time period of that length, being insured on your local guardian's policy is best.

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