Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Sep 24, 2021

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Just the Basics

  • Car insurance companies may request your social security number during the application process
  • Refusing to provide your social security number may lead to as much as a 50% increase in your premium
  • Not all insurance companies require applicants to provide their social security number

Regardless of the type of car insurance coverage you’re looking for, car insurance companies generally require prospective customers to provide identifying information as part of the application process. This may include their current address, date of birth, and even their social security number.

Data leaks and identity theft are no laughing matter, so it’s understandable if you’re reluctant to give out your social security number.

Keep reading to learn why insurance companies request your social security number and what are your alternatives if you’re dead-set against giving it out.

Once you’ve learned more about the pros and cons of giving out your social security number when shopping for car insurance, you may want to look for a new policy with no SSN car insurance providers near you.

Our free search tool allows you to easily compare car insurance quotes from a variety of insurance companies near you. Just enter your ZIP code below and to find affordable car insurance companies in your area.

Do car insurance companies need your social security number?

Identifying information like social security numbers is one of the factors that affect the price of car insurance. Insurance providers use this information to verify your age, insurance history, and driving record.

Knowing what insurance companies use your social security number for might make you more comfortable with the idea of giving it out.

Access to your social security number enables the insurance provider to quickly and easily check some of the details they need to put together an accurate policy quote. This includes:

  • Credit history
  • Insurance claims history
  • DUI citations
  • Criminal history/convictions

If your social security number is leaked in a data breach or through other means, you may be at risk of identity theft. Note that a lot of major insurance providers offer identity theft insurance as well as car insurance, so you may want to consider purchasing both.

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How to Get Car Insurance Without a Social Security Number

Social security numbers are a unique identifier assigned to American citizens, so it’s understandable if you’re wary of giving it out needlessly. Insurance companies are within their rights to refuse coverage to applicants who don’t provide all of the required information.

Additionally, even if the provider does offer a policy quote, it may be at a significantly higher premium. This so-called “non-disclosure penalty” could raise your premium by as much as 50% with car insurance companies that don’t require a social security number.

You may want to learn what insurance companies will insure you without a social security number. Note that this will require some leg-work on your part: You’ll need to reach out to the insurance providers’ customer service representatives and ask about their application requirements.

What You Need to Know About Social Security Numbers and Car Insurance Applications

Although it isn’t necessarily a bad thing to give out your social security number when shopping for car insurance, it does come with both pros and cons.

If car insurance companies have your social security number, it will be much faster and easier for them to accurately quote you a policy. However, you are at risk of identity theft in the event of a data breach, or the misuse of your personal information.

Ready to buy car insurance from a company where you know it isn’t bad to include your social security number on your application? Use our free search tool to quickly receive quotes from multiple car insurance providers near you.