Lana Oconnell
As an international student, you may need a car to get around, especially if you don't live with a host family or near a city bus route. While the process of buying and driving a car in a foreign country can be challenging, it is possible. This guide will cover the steps you need to take to get a car as an international student, including financing options, the process of obtaining a driver's license, and the requirements for insurance and registration. We will also discuss the pros and cons of renting or leasing a car as an alternative to buying.
| Characteristics | Values |
|---|---|
| International student buying a car | Yes, international students can buy, rent, or lease a car in the US |
| International student car loan | Yes, international students can get a car loan in the US |
| Documentation required for a car loan | Finance Qualification Form, Visa, Letter from Employer, Payment Documents, Proof of Lawful Presence |
| Driver's license | Required for buying, leasing or renting a car. International students can apply for a driver's license at the nearest DMV or RMV |
| Car insurance | Required. There are two types: liability and collision. Liability insurance is mandatory by law |
| Car inspection | Recommended for used cars |
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Getting a driver's license
As an international student, you can apply for a driver's license in the US, but the process and requirements vary from state to state. Here is a step-by-step guide to help you get started:
Step 1: Wait for Your Student Status to Update
Before applying for a driver's license, it is important to ensure that your Student and Exchange Visitor Information System (SEVIS) record is active. This can take up to 10 days after your arrival in the US. Additionally, it is recommended to wait at least two weeks before initiating the application process to ensure a smooth experience.
Step 2: Understand the Requirements
Each state has its own unique set of requirements for driver's license applications. It is essential to visit the website of your local Department of Motor Vehicles (DMV) or Registry of Motor Vehicles (RMV) to familiarize yourself with the specific rules and regulations. Some states may accept foreign licenses, while others may require you to take written and driving tests.
Step 3: Gather the Necessary Documents
The documentation required for your driver's license application may vary depending on your state. However, here is a list of commonly requested documents:
- Passport
- Student Visa (F-1, M-1, J-1, etc.)
- Form I-94 ("Arrival/Departure Record")
- Form I-20 (Certificate of Eligibility for Nonimmigrant Student Status)
- Social Security Number (SSN) or a denial letter
- Proof of residence (utility bills, bank statements, lease agreements, etc.)
- Enrollment Verification Letter from the Office of Records and Registration (if required by your state)
Step 4: Visit the DMV or RMV
Once you have gathered all the necessary documents and ensured that your student status is updated, you can visit the DMV or RMV office in your state of residence to submit your application. They will verify your non-immigrant student status and determine your eligibility for a driver's license.
Step 5: Prepare for Written and Driving Tests
Depending on your state and previous driving experience, you may be required to take written and driving tests. These tests may cover topics such as alcohol and drug education, road rules, and driving skills. It is important to familiarize yourself with the traffic rules and regulations in your state to increase your chances of passing these tests.
Step 6: Obtain Auto Insurance
Once you have obtained your driver's license, it is essential to purchase auto insurance before driving your vehicle. US law requires all drivers to have valid insurance coverage.
Remember, as an international student, you may face unique challenges when obtaining a driver's license in the US. Don't hesitate to reach out to your designated school official (DSO) or campus advisor for guidance and support throughout the process.
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Buying a car
As an international student, you can buy a car in the US. There are a few things to keep in mind when purchasing a car as an international student. Firstly, check the eligibility requirements for a driver's license in your state and ensure you have an active status in the Student and Exchange Visitor Information System (SEVIS). You may also need to wait two weeks after arriving in the US before applying for a driver's license.
When buying a car, you have the option of purchasing from a dealership or an individual seller. Dealerships offer new and used cars and provide a wider range of choices. Certified car dealerships are recommended if you want to buy a used car with some form of guarantee or warranty. They are also a good option if you are unfamiliar with car mechanics. CarMax is an example of a non-certified car dealer that offers cheaper used cars. If you are considering buying from a dealership, it is a good idea to ask friends for recommendations or check online ratings to ensure you are dealing with a trustworthy business. Remember that car salespeople work for a commission, so they may pressure you to make a quick decision. Take a friend with strong language skills to ensure you understand everything.
If you are buying from an individual seller, it is important to verify the seller's identity by checking their ID and ensuring that the name and address on the title match the seller's details. Always obtain the car title from the previous owner when you complete the purchase. It is also recommended to get an inspection from your mechanic (not one suggested by the seller) and ask about the vehicle's history, including any accidents, mechanical problems, and repairs. Services like CARFAX provide vehicle history reports, while Consumer Reports offers detailed reviews of car models.
When purchasing a car, you will need to consider the costs involved. Many Americans take out loans to buy cars, but international students typically have to pay in cash due to their lack of credit history. Some lenders may offer loans to individuals with limited credit history, and there are also loans specifically designed for international students or the immigrant community. To qualify for a loan, you may need a valid visa, proof of income, and a down payment. Having a co-signer with a good credit history can significantly improve your chances of getting a loan.
In addition to the cost of the car, remember to factor in the cost of insurance. There are two types of car insurance: liability and collision. Liability insurance is required by law and covers damages or medical bills for the other person if you cause an accident. Collision (or comprehensive) insurance is not mandatory but is strongly recommended as it covers your expenses in an accident that is your fault. You can compare quotes from multiple insurance companies before deciding.
Finally, remember to obtain a temporary license plate when purchasing a car, as you will need it while waiting for your official license plate. Don't forget to register your car in your state and keep all relevant documents, such as your driver's license, car registration, and insurance card, in your vehicle at all times.
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Leasing a car
Eligibility
To lease a car in the United States as an international student, you typically need a valid driver's license. Some sources suggest that having a good credit score is also necessary to be eligible for a lease. However, there are lenders that specialize in working with individuals with limited or no credit history, and some companies offer loans specifically designed for international students without requiring a Social Security Number.
Cost considerations
Warranty coverage
Most leases come with warranty coverage, which means you won't have to pay out of pocket for manufacturing issues or other minor problems during your lease. This can provide peace of mind and help you avoid unexpected expenses.
Flexibility
Leasing offers flexibility in terms of the length of possession and responsibility. You can choose the lease length that suits your needs, whether it's for a few months or several years. However, keep in mind that you are responsible to the dealer if something happens to the car during your lease.
Alternative options
If you're an international student considering leasing a car, it's worth exploring alternative options such as short-term or long-term rental programs specifically designed for international students. These programs can provide you with a vehicle that fits your needs and budget without the long-term commitment of a lease.
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Renting a car
As an international student, you can rent a car with a valid driver's license. Some companies, like International AutoSource, specialize in rental programs for international students. Volvo, for example, includes maintenance and insurance for students.
Before renting a car, it is important to understand the eligibility criteria, which may include having a good credit score, the ability to make payments, a driver's license, and car insurance.
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Car insurance
As an international student, you can purchase a car in your name and insure it under your name as well. You will need a valid driver's license to be able to purchase car insurance. Depending on your home country, your original license may be accepted, or you can apply for an international driving permit (IDP). An IDP supplements your official license and allows you to drive in many countries, including the United States. You can apply for an IDP with the department of motor vehicles in your home country.
Before travelling to the U.S., check with your auto insurance carrier to verify coverage for your trip. If you are moving to the U.S., you will need to register your car at the DMV of your new home state and obtain insurance. You can get an auto insurance quote online or by calling an agent.
Various factors can influence the cost of car insurance, such as age, driving history, location, vehicle type, credit history, and the coverage that you choose. If you are younger than 25, you will pay more than older drivers with a similar profile. Your driving record will also affect your car insurance rate. Your rate will usually decrease over time if you have a clean record without accidents or other violations. If you are an international student living in a city or on campus and don't drive often, consider Mile Auto for insurance. Mile Auto is a pay-per-mile insurer that charges per mile plus a low monthly base rate.
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Frequently asked questions
Yes, international students can buy, rent, or lease a car in the US as long as they have a valid driver's license.
To drive in the US, you need a driver's license, car registration, and car insurance. If you have a driver's license from your home country, you may be able to drive with that for a certain period, but you will eventually need to get a US driver's license. To get a US driver's license, you will need to apply at your local DMV or RMV and provide the necessary documentation, which may include Form DS 2019, Form I-94, a passport with a visa, proof of legal presence or residence, and a Social Security Number or Form SSA-L676.
Yes, US law requires all drivers to have insurance. Liability insurance is required by law and covers damages or medical bills for the other person in the event of an accident. Collision or comprehensive insurance is not required but is recommended as it covers your expenses in an accident that is your fault.
International students can finance a car in the US through loans, family help, credit card payments, or peer-to-peer lending. Some companies specialize in providing auto financing for international students without a credit history or Social Security Number.
International students can consider renting or leasing a car instead of buying. Renting is ideal for short trips and removes the burden of ownership and maintenance costs. Leasing offers flexibility and lower short-term costs but comes with mileage restrictions and fees for excessive wear and tear.
