Compare Professional Diplomat Car Insurance Rates [2023]
Car insurance for diplomats carries special requirements, and that often means that diplomat insurance coverage can be more expensive. Read on to learn how to find affordable rates.
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UPDATED: Jun 16, 2023
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UPDATED: Jun 16, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Diplomats must carry a minimum level of liability coverage to drive in the United States
- Most insurance companies in the U.S. offer auto coverage to diplomats, but the Office of Foreign Missions may have requirements and restrictions
- Often, insurance coverage for diplomats is higher than average rates in the area
Regardless of your occupation, you need auto insurance if you live and drive in the United States — the same holds for diplomats.
If you’re a diplomat, you must carry specific car insurance coverage on the vehicle you drive. In most cases, required coverage for diplomats exceeds the mandatory insurance level for your state.
As you search for car insurance coverage, be sure to review car insurance guides and inform any company you consider of your diplomatic status to ensure you have the proper coverage.
What kind of diplomat insurance requirements are there?
While Americans must meet their state’s insurance requirements, diplomats have a required insurance level exceeding standard U.S. limits for liability coverage on a vehicle.
The Office of Foreign Missions (OFM) has strict requirements for diplomats regarding the auto insurance levels and amounts they must carry.
In terms of minimal liability car insurance coverage requirements, diplomats must carry 100/300/100 in liability on their vehicles, which includes:
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability
To ensure you have the proper coverage as a diplomat, you may want to inform any company you consider of your requirements as a diplomat in the U.S.
The OFM requires additional information when it comes to car insurance for diplomats. If an individual has policy changes, vehicle changes, updates on insurance coverages, or coverage cancellations, they should notify the OFM as soon as possible.
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Where can I find car insurance for diplomats?
In most cases, the Diplomatic Motor Vehicle (DMV) Program helps eligible members of foreign missions find the appropriate insurance coverage for their vehicles. However, since liability levels for diplomats are exceptionally high, not all insurance companies are willing or able to provide coverage.
Additionally, the DMV Program helps diplomats and eligible family members get the proper driver’s licenses. It also monitors drivers’ actions and any blemishes on their driving records to assess whether it’s safe to continue driving in the United States.
If diplomats need auto insurance in the U.S., they must inform any potential insurer of their coverage requirements. Providing this information allows diplomats to learn whether the company will be able to provide a policy.
What does a diplomat do?
Diplomats deal with foreign policy in many ways. Diplomats in the U.S. are individuals from other countries who temporarily moved to the United States to carry out specific responsibilities associated with politics, trade, or consular services.
Foreign governments typically send diplomats to the U.S. to represent their country and advocate for support for various interests or services. In addition, these diplomats often reach out to local government agencies and officials.
Diplomats involved in trade often attempt to connect with specific individuals and businesses, helping with itineraries during visits, and providing helpful information about organizations and their processes.
Consular services for diplomats refer to any day-to-day necessities involved in overseas travel, such as replacing a lost passport.
Why do diplomats need car insurance?
Diplomats need car insurance for the same reason anyone else needs it. Car insurance protects us and others when there is an accident. If diplomats didn’t carry proper car insurance coverage, there could be catastrophic repercussions.
While diplomats aren’t required to carry collision and comprehensive coverage on their vehicles, they must maintain extremely high levels of liability coverage. Liability coverage protects other drivers on the road if there’s an accident.
Some diplomats may have to drive a great deal because of the nature of their jobs. If this is the case, it becomes even more critical for these individuals to carry the proper coverage.
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How much is car insurance for diplomats?
Diplomats should expect to pay at least double what most U.S. citizens pay for auto insurance in any state for a few reasons.
Diplomats must carry high levels of liability coverage, causing most insurance companies to charge them steeper rates. The state’s average only considers families and individuals purchasing the state’s minimum coverage.
In contrast, diplomats may consider buying a full coverage policy to offer more protection on the road.
The table below shows the average rates for citizens in each state and the average rates diplomats may expect to pay for coverage with 100/300/100 limits plus comprehensive and collision coverage.
| State | Average Monthly Car Insurance Rates for U.S. Citizens | Average Monthly Car Insurance Rates for Diplomats |
|---|---|---|
| Alabama | $56.50 | $107.11 |
| Alaska | $80.17 | $155.34 |
| Arizona | $77.17 | $147.42 |
| Arkansas | $57.75 | $115.52 |
| California | $70.42 | $138.84 |
| Colorado | $68.92 | $130.27 |
| Connecticut | $82.58 | $155.37 |
| Delaware | $85.67 | $152.28 |
| Florida | $88.58 | $149.57 |
| Georgia | $65.33 | $128.29 |
| Hawaii | $70.25 | $138.84 |
| Idaho | $48.58 | $92.57 |
| Illinois | $61.92 | $122.78 |
| Indiana | $54.75 | $99.45 |
| Iowa | $46.25 | $100.08 |
| Kansas | $49.17 | $102.48 |
| Kentucky | $62.50 | $122.65 |
| Louisiana | $89.67 | $170.79 |
| Maine | $53.67 | $100.06 |
| Maryland | $78.75 | $147.42 |
| Massachusetts | $92.75 | $170.79 |
| Michigan | $77.58 | $147.42 |
| Minnesota | $65.92 | $130.27 |
| Mississippi | $62.08 | $111.97 |
| Missouri | $57.08 | $122.84 |
| Montana | $57.08 | $122.84 |
| Nebraska | $51.75 | $100.06 |
| Nevada | $81.92 | $160.79 |
| New Hampshire | $66 | $111.97 |
| New Jersey | $98.67 | $184.84 |
| New Mexico | $60.58 | $120.22 |
| New York | $93.50 | $184.97 |
| North Carolina | $50.17 | $98.78 |
| North Dakota | $46.17 | $84.40 |
| Ohio | $55.75 | $110.17 |
| Oklahoma | $56.50 | $111.12 |
| Oregon | $61.42 | $118.04 |
| Pennsylvania | $70.75 | $133.83 |
| Rhode Island | $88.25 | $173.50 |
| South Carolina | $62.75 | $120.20 |
| South Dakota | $47.08 | $96.65 |
| Tennessee | $54.92 | $111.89 |
| Texas | $70.42 | $135.50 |
| Utah | $58.83 | $128.86 |
| Vermont | $58.25 | $104.40 |
| Virginia | $58.17 | $78.82 |
| Washington | $70 | $132.28 |
| Washington D.C. | $98.50 | $187.75 |
| Wisconsin | $51.25 | $94.50 |
| Wyoming | $53.25 | $102.20 |
If you’re a diplomat seeking car insurance coverage, you may want to enlist the help of the DMV Program to find reasonable rates for your vehicle. While many companies charge a great deal to insure diplomats, it’s not impossible to find the coverage you need at an affordable price.
Auto Insurance for Diplomats: The Bottom Line
Diplomats must carry high levels of liability insurance on their vehicles. In many instances, the Diplomatic Motor Vehicle Program and the Office of Foreign Missions may help diplomats procure proper insurance coverage.
In addition to the required levels of liability coverage, diplomats may want to consider a full coverage policy — including comprehensive and collision coverage — to protect themselves and their vehicles.
If you’re a diplomat searching for car insurance, you can shop around online to compare quotes. Though you’ll likely pay higher rates for your coverage levels, you may be able to find an affordable policy.
Frequently Asked Questions
What is professional diplomat car insurance?
Professional diplomat car insurance is a specialized type of auto insurance designed for diplomats who work in foreign embassies or consulates. It provides coverage for their official vehicles while they are on diplomatic assignments or personal use.
What coverage options are available for professional diplomat car insurance?
Professional diplomat car insurance typically offers similar coverage options as regular car insurance policies, including:
- Liability coverage: This coverage helps pay for injuries or damages you cause to others in an accident.
- Collision coverage: It covers damages to your vehicle resulting from a collision with another vehicle or object.
- Comprehensive coverage: This coverage protects against non-collision incidents, such as theft, vandalism, or natural disasters.
- Uninsured/underinsured motorist coverage: It provides protection if you are involved in an accident with a driver who lacks insurance or has insufficient coverage.
Are there any specific requirements for obtaining professional diplomat car insurance?
To qualify for professional diplomat car insurance, you typically need to provide proof of your diplomatic status, such as a diplomatic identification card or a letter from your embassy or consulate. Insurance providers may have specific requirements, so it’s essential to inquire with them directly.
Can professional diplomats benefit from any discounts on car insurance?
Some insurance providers offer discounts specifically tailored for professional diplomats. These discounts may vary, but they can include lower rates or special offers due to the unique circumstances of diplomatic work. It’s recommended to inquire with insurance companies that specialize in diplomatic car insurance to explore available discounts.
How can professional diplomats find the best car insurance rates?
To find the best car insurance rates for professional diplomats, consider the following tips:
- Research specialized insurance providers: Look for insurance companies that specifically cater to diplomats and understand their unique insurance needs.
- Compare quotes: Obtain quotes from multiple insurance providers to compare coverage options and premiums.
- Seek recommendations: Ask fellow diplomats or embassy staff for recommendations on insurance companies they have had positive experiences with.
- Consider additional coverage needs: Depending on your specific circumstances, you may require additional coverage, such as international driving coverage or diplomatic immunity coverage.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.