You can get car insurance in Merced today even without a US driver's license or Social Security number. We serve Merced County by phone at 209-670-1556 — ITIN, AB 60 license, matrícula consular, and foreign licenses are accepted by carriers in our network, and policies are active the same day you call. We have no office in Merced; our nearest location is Stockton at 956 W. Robinhood Dr, approximately 57 miles north via Highway 99. Se habla español. 209-670-1556.
California law under Vehicle Code §12801.9 (AB 60) allows undocumented residents who cannot prove legal presence to apply for a California driver's license through the standard DMV testing process. If you have an AB 60 license, most carriers in our network will write you a policy the same day. If you have only a foreign license — a Mexican licencia de conducir, a Guatemalan, Honduran, or other foreign credential — several carriers still accept you for a liability or full-coverage policy. And if you have a matrícula consular, several carriers in our network accept it as a valid form of identification.
Merced is the county seat of Merced County, with a population of approximately 87,000. The city includes a large agricultural workforce — dairy, almonds, poultry, asparagus — plus a growing university population since UC Merced opened in 2005 (now approximately 10,000 students). Many Merced County drivers use an ITIN or AB 60 license instead of a US Social Security number — this is among the most common situations in our book.
Not having a Social Security number is not a barrier to coverage — several carriers in our network accept an ITIN or no SSN at all.
We do not have a physical location in Merced. Our nearest office is Stockton at 956 W. Robinhood Dr, approximately 57 miles north via Highway 99 (Monday through Friday, 10am to 6pm). Our San Jose office at 25 N. 14th St is available as well (Monday through Friday 10am to 6pm, Saturday 10am to 3pm). Most Merced County drivers complete the entire process remotely without making the drive.
How we serve Merced and Merced County drivers without an office visit:
The exact documents depend on which carrier we match you with, but here is the standard checklist for a Merced driver without a standard US license:
| Document | Notes |
|---|---|
| Driver's license — AB 60, foreign, or matrícula consular | Bring what you have; we work from there |
| ITIN (if you have one) | Some carriers use it for identity matching; others do not require it |
| Vehicle year, make, model, and VIN | Found on the dashboard near the windshield or on the registration |
| Payment method | Debit card, credit card, or money order; first payment activates coverage |
| Lienholder info (if vehicle is financed) | Lender name and address to add to the policy |
You do not need to produce a Social Security number, proof of citizenship, or proof of legal immigration status to get car insurance in California. Insurers are not immigration authorities — they price risk, not status.
Merced sits mid-range for the Central Valley: higher than rural Livingston but lower than Sacramento metro. CHP maintains regular checkpoints on SR-99 near Merced/Livingston — an uninsured citation under CVC §16028 carries a $100–$200 fine plus an SR-22 requirement, which further raises future rates. Getting insured first is the math that works.
| License / Document Type | Typical Coverage Available |
|---|---|
| AB 60 California license | Liability + full coverage + SR-22 |
| Valid foreign license (Mexico, Central America) | Liability; full coverage carrier-dependent |
| Matrícula consular only | Liability (limited carriers) |
| No license (vehicle in another family member's name) | Named-driver exclusion situations — call us |
Ready to get insured in Merced? Call — we quote multiple carriers and activate your policy the same day. AB 60, ITIN, foreign license, matrícula all accepted.
Call 209-670-1556 Get a Quote OnlineTo get or renew an AB 60 license, Merced residents use the Merced DMV Field Office at 1947 E. Yosemite Ave, Merced, CA 95340. Hours: Monday, Tuesday, Thursday, and Friday 8am to 5pm; Wednesday 9am to 5pm; closed weekends. Appointments are recommended — book at dmv.ca.gov/portal/appointments or call 1-800-777-0133. The office handles AB 60 issuance, title transfers, license reinstatement, and has a self-serve kiosk available for renewals and some routine transactions.
Important distinction: we handle the insurance side — the AB 60 license application is a separate process you complete with the DMV directly. We can help you understand what documentation the DMV requires, but the application, knowledge test, and driving test are between you and the DMV.
Major corridors in Merced: SR-99 (north–south spine), SR-140 (east to Yosemite), G Street, M Street, and Yosemite Avenue. CHP maintains checkpoints on SR-99 near Merced/Livingston — if you're stopped uninsured, the fine plus mandatory SR-22 will cost you far more than your annual premium.
We quote all Merced County ZIP codes. The three primary Merced city ZIPs are:
Surrounding communities also served by phone: Atwater, Livingston, Winton, Planada, El Nido, Hilmar, and the broader Merced County agricultural corridor. Call to confirm your specific address and ZIP.
No office in Merced — we serve Merced County by phone at 209-670-1556. Most policies are quoted and activated the same call. If you prefer in-person, our Stockton office at 956 W. Robinhood Dr is ~57 miles north via Hwy 99, open Mon–Fri 10am–6pm.
To get quoted you need: (1) your ITIN or SSN, (2) a valid driver's license — AB 60, U.S. state license, or foreign license from Mexico or another country, (3) the vehicle year/make/model and VIN, and (4) payment method. Matrícula consular is accepted in lieu of a standard ID by several carriers in our network. No Social Security number is required.
What Via Rapida auto customers in the Central Valley (Stockton, Modesto, Lodi, Tracy) paid us over the 12 months to Oct 26, 2026 (source: our own policy records), not a quote: liability-only median $108/month (middle half $80–$150, n=2,724); full coverage median $274/month (middle half $225–$357, n=824). These figures cover all our auto customers; we do not publish a separate figure for drivers without a US license. Rate varies by vehicle, driving record, and which carrier writes your profile. Quoting multiple carriers the same call is how you find where you land.
Yes. Several carriers in our network write SR-22 filings for drivers with an AB 60 license and an ITIN or no SSN. The SR-22 filing process is the same regardless of license type — what matters is that the policy meets California's minimum liability requirements under Vehicle Code §16028(a). Call 209-670-1556 for same-day service. See also: SR-22 Same-Day Filing ›
¿Necesitas aseguranza de auto en Merced, CA sin licencia de EE.UU.? Tenemos esta misma guía en español — sin técnicos y sin juzgarte — con todo lo que necesitas saber sobre documentos, costos y cómo cotizar el mismo día.
No office in Merced — call 209-670-1556 and we quote multiple carriers the same call. AB 60, ITIN, foreign license, matrícula accepted. Walk-ins welcome at Stockton, 956 W. Robinhood Dr, ~57 mi north via Hwy 99, Mon–Fri 10am–6pm. Bilingual service. Se habla español.
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