Reader’s Question:

I am Italian and have chosen to live here in Michigan because this is the only state that allows a foreigner to register a car. My question is: If I’m not a permanent resident, will I be able to get auto insurance in this state?

Antonio

Detroit, MI

The State of Michigan does allow non-American residents to register a car, provided that they first obtain a Michigan driver’s license. And since all auto insurance companies licensed to do business here in Michigan require a state’s license for auto insurance applications, then you will definitely have to get a Michigan driver’s license first, and to obtain one, you need to prove residency.

You can, however, get auto insurance coverage using your International Driving Permit (IDP). But still, the auto insurance provider will still require you to get a valid Michigan driver’s license within 30 days from approval of your policy, or it will be cancelled.

Another option is to ask a friend to buy a car on your behalf, have it registered under his or her name, and purchase the auto insurance policy on your behalf, too. However, this may not be a very good move.

Another alternative is to rent cars and obtain rental auto insurance from the same company where you rented the car.

If you really are bent on having your own car in America, it is best to apply for a valid state license and not just rely on your International Driving Permit because this provides only limited options for you.

Tags: auto insurance, auto insurance coverage, auto insurance policy