Driving in the USA as a Visitor: Insurance and Rules
Updated Oct 23, 2026 · Daniel Moreau · 7 min read
Liability cover, state rules, and right turns on red — what overseas visitors should know.
What this article covers
The US is a classic road-trip destination, but its insurance and driving rules can be unfamiliar to overseas visitors.
Rules vary between states.
Liability insurance
Minimum liability cover required by state law can be low compared with potential claims. Many visitors buy supplemental liability insurance from the rental company or through packages that include it.
Damage waivers
Loss damage waivers (LDW or CDW) cover damage to the rental car. Check whether packages bought from your home country include it.
Road rules
- Right turn on red is often allowed after stopping, unless signed
- School bus stop signs require traffic to stop in many states
- Speed limits are in miles per hour
- Four-way stops — first to arrive goes first
Licences
Many states accept foreign licences for visitors, sometimes with an International Driving Permit. See our IDP guide.
This is general insurance information, not legal, financial, or insurance advice. Coverage depends on your specific policy, insurer, and jurisdiction. Read your policy documents and speak with a licensed insurance agent or broker before making decisions.