Car insurance rates for immigrants, international students, and visa workers may be high in the first 2 years in the USA. Most F1 students, H1B or L1 visa workers get a car insurance rate quote of about $400 per month when the car's monthly EMI may just be less than $300 per month. The car insurance company considers your zero driving history in the USA to be equivalent to a teenager in the USA. I strongly advise to get driving license as soon as you enter USA to start building driving history even if you do not buy car immediately.