Guidance-oriented planning notes for Canadians moving to the U.S. (not legal, tax, or insurance advice).
Driving, car import, and auto insurance
What to plan before you arrive, and what usually happens after you move.
Decide early: keep your car or switch to a U.S. car?
- Keep/import: can be worth it if the car is paid off and compliant.
- Sell in Canada: often simpler; avoids compliance paperwork.
- Buy in the U.S.: can be fast, but financing may be tougher without U.S. credit.
Rule of thumb
If you’re moving quickly and want fewer surprises, selling in Canada and buying in the U.S. is often the smoothest path.
Real questions about driving, car import, and insurance
- “Can I drive on my Canadian license?” Usually for a period, but you’ll want a state license once you’re settled (rules vary).
- “Should I import my car or sell it?” It depends on compliance, costs, and hassle. Some vehicles are easier than others.
- “Insurance shock?” Rates can differ a lot. Credit history, address, and coverage choices can change pricing.
- “What should I do first?” Check vehicle eligibility and gather paperwork before you commit to shipping or long-distance driving.
Driver’s license & DMV basics
- Each state has its own DMV requirements (proof of address matters).
- Bring multiple proofs: lease, utility bill, bank statement, employment letter.
- Some newcomers need extra verification steps—book appointments early.
Start here for official state info: GA DDS, FL DHSMV, TX DPS.
Auto insurance: what’s different vs Canada
- Rates vary wildly by ZIP code, driving record, and credit history.
- Liability limits are a big decision—cheap minimum coverage can be risky.
- Uninsured motorist coverage matters in some areas.
Practical move
Get 3 quotes and compare the liability limits line-by-line. Don’t compare only the monthly price.
If importing your car: what to collect
- Vehicle title/ownership documents.
- Recall clearance letter (if available).
- Bill of sale (if relevant) and your ID documents.
- A simple inventory of items in the car when crossing.
Import rules are technical and can change—verify requirements using official U.S. CBP and state resources before you commit.
First 30 days checklist
- Get a U.S. address + documents that prove it.
- Choose an insurer and set realistic liability limits.
- Book DMV/registration appointment (if required).
- Set reminders for renewal dates (registration, inspection, insurance).
Hiring help (optional)
- If you’re overwhelmed, consider using a local insurance broker who can quote multiple carriers.
- For complex imports, a customs broker can help with paperwork (depends on your situation).
Good questions to ask
- What happens if I don’t have U.S. credit yet?
- Will my Canadian driving history help?
- What documentation do you need from me?
