man in his car with Matricula and Foreign ID Insurance

Get Car Insurance in Iowa — Even Without a U.S. Driver’s License

Do you have a Matricula Consular, foreign passport, or another international ID?

We can help you get affordable and legal car insurance — even if you don’t have a U.S. driver’s license.

At The Insurance Specialists Inc., we make getting insured simple and fast.

Our team helps you find the right plan, understand your options, and stay protected with confidence.

What You Get

  • 1

    No U.S. License Needed
    You can get insured with your Matricula Consular, foreign passport, or other ID. We’ll help you step by step — clearly and easily.

  • 2

    Different Coverage Choices
    Pick the coverage that fits your situation — from basic liability to full protection or SR-22 plans. Our team makes each choice easy to understand.

  • 3

    Insurance for Every Driver
    New driver? High-risk driver? No problem. We work with trusted companies that help everyone get the coverage they need.

  • 4

    Easy Payment Options
    Pay monthly or choose a plan that fits your budget. No hidden fees or surprises.

  • 5

    Legal in Iowa
    Every policy meets Iowa’s state insurance laws, so you can drive safely and without worry.

No license? No problem. Get your quote today — we’re ready to help you.

Get a Free Insurance Quote with your Matricula or Foreign ID Today

Getting the right insurance doesn’t have to be hard.

At The Insurance Specialists Inc., we make it simple and fast to get covered using your Matricula Consular, foreign passport, or other international ID.

We partner with trusted insurance companies like Dairyland Insurance to offer reliable and affordable coverage for every driver.

What You Can Expect

  • Friendly Help and Clear Guidance:

    Our experienced agents understand what’s needed for drivers using a Matricula or foreign ID. We make sure your policy meets Iowa’s insurance laws and explain every step so you can drive legally and confidently.

  • Bilingual Support (Se Habla Español):

    Our bilingual agents are ready to help you in English or Spanish. We’ll make sure the process is clear and easy to understand — whichever language you’re more comfortable with.

  • Personalized Service:

    Everyone’s situation is different. We’ll help you find a policy that fits your needs and budget — without paying for things you don’t need.

  • Trusted Insurance Partners:

    We work with respected providers, including Dairyland Insurance, to offer dependable coverage and fair prices for drivers across Iowa.

  • Quick and Easy Process:

    Getting insured takes only a few minutes. You can get a quote and start your coverage the same day — no long forms or confusing steps.

  • Proven Experience You Can Count On:

    With over 30 years serving Iowa drivers, we’ve built a reputation for honest service, dependable coverage, and long-term relationships with our clients.

It’s Easy to Get Started

Getting insured is simple:

Just provide your Matricula Consular, foreign ID, or passport, and we’ll help you find the policy that works best for you.

📞 Call us at (515) 280-1207 or get a quote online today.

Why Choose The Insurance Specialists, Inc.

Choosing the right insurance provider is especially important for non-U.S. citizens. Here’s why drivers with a Matricula, Foreign passport or International license or ID trust us for their insurance needs:

Specialized Expertise

Get expert advice from our knowledgeable team, experienced in helping drivers with Matricula Consular, Foreign Passports and ID’s.

Tailored Coverage

Personalize your plan, whether you have a Matricula Consular, Foreign Passport, or International driver’s license, or ID.

Affordable Rates

Find budget-friendly coverage with our access to top insurers for non-U.S. residents.

Trusted Partnerships

Rely on trusted carriers, like Dairyland, for insurance protection for Foreign and International drivers.

Matricula/Foreign ID FAQs

Understanding insurance options with a Matricula or Foreign ID or Passport can be tricky, so we’ve gathered answers to the most common questions to help you feel confident in your coverage choices.

Yes. Many insurers — including Dairyland — accept a Matricula Consular, Foreign Passport, and International ID or license for insurance purposes.

This means you can still meet Iowa’s insurance requirements and get legal coverage even without a U.S. driver’s license.

Need help finding a company that accepts your ID? Call (515) 280-1207 or get a quick quote online.

No. You can buy car insurance with a Matricula, Foreign Passport, or International ID. These are accepted forms of identification when purchasing a policy in Iowa.

Your ID just needs to be valid and current when you apply.

A policy with only liability coverage won’t protect your own vehicle after an accident. That could leave you paying out-of-pocket for damage.

Work with your agent to choose the right coverage so you’re fully protected.

Common coverages you can include:

  • Higher Liability Limits
  • Collision Insurance
  • Comprehensive Insurance
  • Uninsured / Underinsured Motorist Coverage
  • Roadside Assistance
  • Medical Payments / PIP

You can also add custom parts, umbrella, gap, or replacement cost coverage.

We provide options for high-risk drivers and SR-22 holders, helping you stay protected within your budget.

Yes. SR-22 insurance can be filed for individuals using a Matricula Consular, International license, or Foreign Passport, especially for license reinstatement.

Our partner companies can handle the filing so you can get back on the road quickly.

Have questions about SR-22? Call (515) 280-1207 for guidance or visit our SR-22 Insurance page.

Insurance costs are based on things like your driving record, vehicle, and chosen coverage, not on the type of ID you use.

Having a Matricula or foreign ID doesn’t automatically make your policy more expensive.

No. Some insurers require a U.S. license, but others accept Matricula Consular or Foreign IDs.

We’ll connect you with a carrier that offers the coverage you need.

When applying, you’ll typically need:

  • Your Matricula Consular, Foreign ID, or Passport
  • Proof that you live in Iowa — for example, a recent rent agreement or household bill in your name
  • Vehicle information (VIN or registration)

Having these ready helps make the application faster.

Need help with paperwork? Call (515) 280-1207 for friendly assistance.

Yes. Your policy can be updated with your new U.S. license — there’s no need to start over.

The coverage continues without interruption.

Yes. Family members who also have a Matricula, Foreign ID, or Passport can be listed on your policy, so everyone who drives your vehicle stays protected.

This helps make sure everyone driving your car is properly listed and protected.

No. The claims process is the same for every policyholder.

Your type of ID does not affect your ability to file a claim or use your coverage benefits. The claims process is the same for every policyholder.

If you ever need help with a claim, call us — we’re here to guide you through the process.

Most customers can get covered the same day they apply, as long as all required documents are ready.

Your agent can walk you through a quick quote and issue your policy immediately once approved.

Yes. You can renew your policy by providing an updated Matricula or valid ID before your renewal date.

Your agent will remind you to update it so your coverage continues without interruption.

If you get a new Matricula or ID number, contact your agent to update your policy information.

It’s quick and ensures your policy stays valid and accurate.

Yes. Most Iowa insurance policies provide coverage in all 50 states and Canada for temporary travel.

However, your vehicle must still be registered in Iowa. Check your policy for any restrictions.

You’ll receive an insurance card or digital proof that shows your coverage details.

Always keep it in your vehicle or accessible on your phone in case you’re asked to show it.

You can pay monthly, quarterly, or in full — depending on the insurer’s options.

Many companies accept credit cards, debit cards, or electronic payments, making it simple to stay on time.

Yes. Most insurance policies require a small down payment to begin coverage, followed by monthly installments.

Your agent can show payment plans that match your budget.

Just contact your insurance agent to update your address or vehicle information.

Your coverage can be adjusted easily to match your new details — no need to start over.

If you decide to end your policy early, your insurer may return the unused part of your payment.

Keep in mind, some carriers may charge a small cancellation fee.

Your agent can explain your options before you cancel.

You can get in touch by calling (515) 280-1207, visiting our Iowa office, or sending us a message through our online form — whichever is easiest for you.

Our team is happy to answer questions in English or Spanish and help you find the right coverage.

Our Other Auto Insurance Services

Explore our range of tailored auto insurance services designed to meet the unique needs of every vehicle owner. Click on the links below to learn more about each service and find the coverage that best suits your situation.

  • Auto Insurance: Get essential coverage that protects you from a variety of risks on the road.
  • SR-22 Insurance: Secure the required SR-22 certificate and stay compliant with Iowa’s insurance laws.
  • Non-Owner Insurance: Obtain liability coverage even if you don’t own a vehicle but still drive.
  • License Reinstatement Program: Learn about our program that helps you get back on the road after a license suspension.

Looking for the Right Insurance Coverage?

Ensure your peace of mind with the right coverage. Get in touch with us, and we’ll help you explore insurance options that match your priorities and fit your budget.

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