Auto Insurance Companies That Don’t Ask for a Car Inspection (2022)
Most auto insurance companies that don't require a car inspection will be in states with no inspection requirements. Auto insurance companies that do require a car inspection will require a specific inspection that often aligns with state standards. Although most insurers won't require vehicle inspections, they can help ensure your vehicle's safety for $25 or less.
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UPDATED: Aug 26, 2021
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- Auto insurance companies that don’t require a car inspection are in states that also don’t require one
- Most of the popular name auto mechanics, like Jiffy Lube and Firestone, will provide state-specific inspections
- Vehicle inspections usually cost between $10 and $25 depending on your state’s requirements
For those driving older vehicles, you might wonder if there are any auto insurance companies that don’t require a car inspection. Auto insurance coverages are partially based on the safety and health of your vehicle.
How do I know whether I need an auto insurance inspection? We’ll help explain when you’ll need auto inspections for insurance, which companies to use, and how to get an inspection when necessary.
Before learning more about auto insurance companies that don’t require a car inspection, enter your ZIP code to get free rates from multiple auto insurance companies near you today.
Auto Insurance Companies That Don’t Require A Car Inspection
Auto insurance is an important expense that could help protect you financially and legally. There are many law-bound requirements for auto insurance by state.
How will I find car insurance companies that don’t require a car inspection near me?
It’s important to know that some states will require inspections to renew your license plate tags while others will not. Some insurance companies might want your vehicle inspected regardless of state mandates.
Do I need an inspection to purchase auto insurance?
First things first, are auto insurance inspections required? This will be dependent on where you live and the regulations in place. Some states will require vehicle inspections for auto insurance while others won’t.
|States That Require Vehicle Inspections||States That Don't Require Vehicle Inspections|
|New Hampshire||South Carolina|
|New Jersey||South Dakota|
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Above, you’ll see a list of states that do and don’t require vehicle inspections. What is a state-required inspection? These are specific laws that mandate vehicle inspections that vary in thoroughness in each state.
What do auto inspections for auto insurance check for?
In most cases, your auto inspection will cover whatever your state requires. For example, some states like Delaware might require a comprehensive inspection that covers braking, emissions, signals, and so on.
Other states, such as Georgia, will only require an emissions inspection but not a safety inspection. Unless you specifically request a comprehensive inspection, most of the time a mechanic will only cover the state requirements.
What are the reasons your car might fail an inspection? There are a handful of reasons your vehicle might fail an inspection depending on the state’s requirements.
In states that require a comprehensive safety inspection, you could fail for insufficient brakes, inoperable turn signals, defective windshield wipers, and more. Most states will fail you for emissions concerns.
An emissions inspection will assess the pollutants your vehicle produces which basically creates smog. This could stem from something as simple as an overdue oil change.
What is the importance of auto inspections?
While inspections may seem inconvenient, they do have some value for drivers. Vehicle inspections are required by some states because they help to minimize accidents, vehicle immobilizations, and even fraud, according to the Insurance Information Institute.
How do auto insurance inspections reduce accidents? By assuring that all licensed vehicles are in good working condition, inspections help prevent accidents that occur because of vehicle faults.
For example, assuring that all turn signals are functional can prevent driver miscommunication and help prepare other drivers to react accordingly as someone prepares to turn.
How do auto insurance inspections reduce fraud? Inspections can help those who are in the market for a used vehicle. Some companies might try to sell your car knowing that it is dysfunctional.
The inspection helps to identify any major concerns before you spend thousands of dollars.
How do I get a vehicle inspection?
The process in which you will get your vehicle inspection will vary from state to state. Some states will have an inspection station set up at the Department of Motor Vehicles (DMV). Others will require you to bring your inspection results from a credentialed mechanic.
How can I find insurance inspection companies? To get an inspection, your state may provide a list of acceptable locations. Otherwise, you can usually search a name-brand auto service provider’s website.
For example, Firestone and Jiffy Lube both offer state-specific vehicle inspections at most locations. Some local auto shops will also be able to provide inspections.
How much does an inspection cost? Most vehicle inspections are between $10 and $25. There are a few outliers that offer free inspections, like Wisconsin. On the other hand, some inspections might cost upwards of $50, like Nevada.
Will insurance cover an uninspected car?
Auto insurance companies often follow similar guidelines as states. If your state requires an inspection to get tagged, you will only be able to get insurance if you’ve passed an inspection.
Most auto insurance companies don’t require vehicle inspections for you to become insured. Name brands like State Farm, Allstate, and Progressive won’t typically ask for a vehicle inspection as long as your state doesn’t require one.
Can I get a car inspection without insurance? If you aren’t insured, it would be risky to drive your vehicle to get an inspection. If you knew a mobile mechanic that was credentialed to provide inspections, you might be able to get one without driving.
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Auto Insurance Companies That Don’t Require A Car Inspection: The Bottom Line
Vehicle inspections are usually only required for auto insurance if inspections are required by your state. Most insurers will not require a vehicle inspection otherwise.
We hope we’ve helped give you a better idea of how to find auto insurance companies that don’t require inspections. Before you go, Enter your ZIP to get free quotes from top auto insurance companies today.