Auto Insurance Companies That Don’t Ask for Proof of Garaging

If you're looking for auto insurance companies that don't require proof of garaging, you may be looking for coverage without a permanent address. This is difficult to acquire, but nonstandard auto insurance may be your best bet.

UPDATED: Jul 22, 2022Fact Checked

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Jul 22, 2022

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A Concise Overview

  • You may be able to find insurance with a company that does not want proof of garaging, but you likely won’t be able to buy comprehensive coverage
  • You must have a permanent address to buy a car insurance policy 
  • Many companies offer discounts on coverage if you park your car in a garage overnight

If you’re searching for car insurance, you’re probably looking for an affordable policy that offers suitable types of coverage. There are plenty of ways to find cheap auto insurance in your area, but where you park your car could impact your rates.

Insurance companies are likely to offer lower rates to people who park their cars inside garages, as this poses less risk in terms of damage to the vehicle. But you should still be able to find cheap car insurance rates if you cannot garage your vehicle.

Which car insurance companies don’t ask for proof of garaging?

Finding an auto insurance company that allows you to purchase a policy without listing a permanent address will be difficult. In many instances, proof of garaging for insurance goes along with having a permanent address. 

All insurance companies want to know your address. Your insurance provider may occasionally need to send you documents in the mail, but your address is also essential in deciding your car insurance rates.

If you are unable or unwilling to provide a permanent address to your insurance company, you may ultimately be too risky to cover. In this instance, only nonstandard or high-risk car insurance companies would be willing to take you on as a policyholder.

Some of the most popular nonstandard auto insurance providers in the U.S. include the following:

  • Direct
  • Kemper
  • GAINSCO
  • Dairyland
  • The General
  • GEICO
  • Progressive
  • Safe Auto
  • Infinity
  • National General
  • Hallmark
  • Foremost
  • Founders Insurance
  • Titan
  • Bristol West

One or more of the companies listed above may be willing to take you on as a client, even if you do not have a permanent address. But you can expect to pay higher-than-average rates for your policy. And you probably won’t be able to get more than liability coverage on your vehicle.

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Why do insurance companies ask for proof of garaging?

Proof of garaging is a way for insurance companies to assess your risk. Insurers consider several things when determining your car insurance rates, including the following:

  • Age
  • Gender
  • Marital status
  • ZIP code
  • Car make and model
  • Credit history
  • Driving history
  • Level of coverage

Proof of garaging is one of the ways insurance companies can help keep your insurance rates down. If you park your car in the garage at night or whenever you’re home, it is less likely to be vandalized or damaged in a hit-and-run or inclement weather.

Because the above factors can impact your car insurance rates, it’s tough to know how much you’ll pay for coverage until you shop online and compare quotes from multiple companies. Still, the table below shows each state’s average annual auto insurance rates.

Average Annual Auto Insurance Rates by State and Coverage Type
StatesAverage Annual Liability Coverage RatesAverage Annual Collision Coverage RatesAverage Annual Comprehensive Coverage RatesAverage Annual Full Coverage Coverage Rates
North Dakota$282.55$252.21$112.74$741.11
South Dakota$289.04$251.30$110.12$1,206.46
Iowa$293.34$251.46$230.65$819.14
Wyoming$323.38$270.48$222.86$816.71
Maine$333.92$331.72$146.77$1,077.97
Idaho$337.17$284.92$117.98$833.44
Vermont$340.98$278.38$118.31$737.67
Kansas$342.33$255.33$130.15$904.39
Nebraska$349.07$293.78$116.79$1,057.63
North Carolina$357.59$227.44$227.64$737.63
Wisconsin$359.84$209.93$126.34$696.11
Indiana$372.44$207.10$171.58$672.01
Alabama$372.57$299.10$146.28$817.95
Ohio$376.16$298.21$201.56$941.34
Arkansas$381.14$304.87$183.36$869.37
Montana$387.77$223.50$206.24$778.81
New Hampshire$393.24$365.23$123.18$1,353.96
Tennessee$397.73$290.39$135.62$823.74
Missouri$399.41$254.90$199.87$842.54
Virginia$413.12$264.70$129.89$807.71
Illinois$430.54$237.19$115.02$724.65
Mississippi$437.38$259.65$166.34$825.40
Minnesota$439.58$302.96$194.74$935.08
Oklahoma$441.57$212.47$89.66$855.57
Hawaii$458.49$209$110.78$656.95
New Mexico$462.21$358.45$156.66$1,300.09
California$462.95$364.56$99.29$926.79
Utah$471.26$254.41$106.57$832.24
Colorado$477.10$263.36$158.34$898.79
Arizona$488.59$259.31$184.20$932.10
Georgia$490.64$297.75$100.09$856.33
Pennsylvania$495.02$377.06$122.17$1,219.29
South Carolina$497.50$200.10$228.59$717.73
Texas$498.44$340.51$186.70$1,025.64
West Virginia$501.44$319.10$195.04$1,015.57
Kentucky$518.91$391.03$208.59$1,326.78
Alaska$547.34$360.18$141.08$1,048.60
Oregon$553.43$307.31$132.01$934.34
Washington$568.92$250.13$104.11$923.16
Massachusetts$587.75$383.21$147.02$1,252.27
Maryland$599.48$358.68$128.92$1,075.35
District of Columbia$628.09$449.27$230.25$1,307.62
Connecticut$633.95$348.70$126.02$1,108.67
Nevada$647.07$281.70$103.03$777.98
Rhode Island$720.06$247.62$165.38$910.51
Michigan$722.04$214.02$173.04$826.64
Louisiana$727.15$249$96.66$679.56
Delaware$776.50$296.60$113.23$1,186.33
New York$784.98$264.58$123$745.17
Florida$845.05$320.45$153.61$964.70
New Jersey$865.55$267.48$166.89$896.58
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If you choose liability coverage, you can expect to pay lower rates for your insurance. But your vehicle will not be protected if you’re in an accident or if the damage is from a non-accident-related incident. 

And even with a liability-only policy, you will pay higher rates if you do not garage your vehicle. You might also not get coverage if you cannot provide a permanent address.

What is garaging misrepresentation?

If you lie about your garaging address, this is considered misrepresentation. Whether you misprinted the address on your paperwork, changed addresses during the length of your policy, or intentionally falsified your garaging location, garaging misrepresentation can be a big deal.

People who lie about their address do so to save money on their car insurance policy. For example, if you live in a bad part of town or a city with a high crime rate, you may be tempted to put a different address down as your garaging address.

But insurance companies don’t take this type of thing lightly. If you lie about where you park your car, you could have to pay high rates once your insurance company finds out. Your insurance company could also drop you as a policyholder for a breach of contract since you falsified information on your policy application. 

In rare cases, you could face legal ramifications for lying about where you live or whether you park your car in a garage overnight.

Can drivers without a permanent address get car insurance?

You’ll find it difficult to get car insurance without a permanent address. As stated earlier, companies determine your insurance rates partly based on where you live. So not providing an address could make you a liability to an insurer.

Turning to a nonstandard company could be the best way to obtain coverage, but this will still cost you more money, and you can expect to get low coverage on your vehicle. 

Avoid lying about your address on any car insurance application. It’s better to be turned down by a company and continue searching for coverage than to get in trouble for lying about your address and face the consequences.

Can I save money on auto insurance if I don’t park in a garage?

If you have a permanent address but don’t have a garage, you can still save money on your car insurance premiums. 

Car insurance companies offer a variety of discounts on coverage, including the following:

  • Accident-free
  • Safe driving
  • Defensive driver
  • Telematics
  • Military
  • Alumni
  • Safety devices
  • Good student
  • Homeowner
  • Multi-policy
  • Paid-in-full
  • Paperless

Discounts can save you up to 20% on your car insurance policy, so speak to a representative from any insurance company you’re seriously considering to see whether you qualify.

You can also shop online and compare rates from multiple providers to save money on coverage. Comparing rates allows you to find the companies in your area that provide the coverage you need at a price that works with your budget.

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Car Insurance and Garaging: The Bottom Line

You need a permanent address to purchase car insurance. You may be able to get coverage through a nonstandard company if you do not have a permanent address, but you can expect low levels of coverage and higher-than-average rates.

You may pay lower rates if you park your car in a safe place overnight. But if you don’t have a garage, you may be able to save money on your car insurance through discounts and by shopping online to find the best rates.

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