Understanding Foreign Driving Records in California Auto Insurance: Insights from Progressive
Navigating auto insurance in a new state can be challenging, especially when you have a foreign driving history. Recently relocated residents in California who lease electric vehicles, such as the Ford Mustang Mach-E, may face unique questions from insurers about their international driving records. Here’s an overview based on recent experiences with Progressive, one of the leading auto insurance providers in the state.
Case Study: Securing a Quote with Progressive
After exploring multiple options—including independent brokers and various carriers—I found that Progressive offered the most competitive rate for full coverage: approximately $2,000 every six months. Other quotes ranged significantly higher, up to $1,300 monthly, making this an encouraging find.
Progressive stands out by asking for detailed driving history, including periods outside the United States and its territories. This requirement can be a sticking point for newcomers with international driving experience.
Profile Summary
- Age: 25+
- Location: Los Angeles, CA
- California Driver’s License: Obtained approximately 2 months ago
- International Driving History: Since 2018
- US Insurance History: None (no prior accidents or tickets)
- Vehicle: Leased electric SUV (full coverage + GAP)
Key Questions for Those Who Have Navigated Progressive’s Process in California
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Required Documentation for Verification
What forms does Progressive’s underwriting department typically request to confirm foreign driving experience? Is a driver’s license scan sufficient, or is additional documentation—such as a driver’s license extract from the relevant foreign DMV—necessary? -
Counting Foreign Licensing Years
For applicants without prior US insurance history, does Progressive recognize and count years of licensed driving abroad when determining premiums? -
Necessity of Proof of No-Claim Bonus
Does Progressive require a No-Claim Bonus (NCB) certificate or similar documentation from foreign insurers? -
Impact on Premiums
After reviewing the submitted documentation, did applicants notice an adjustment in their premium rates? -
Special Considerations for Electric Vehicles or Leased Cars
Are there particular underwriting requirements related to electric vehicles, leasing arrangements, or lienholders that applicants should be prepared for?
Seeking Community Insights
If you’ve gone through Progressive’s or other carriers’ underwriting processes with a foreign driving record in California, your experiences could provide valuable guidance. Have you found alternative carriers—especially larger, established companies or specialized insurers—that accept international driving histories
