Auto Insurance Companies That Don’t Ask for Proof of Garaging (2021)

You would be lucky to find any auto insurance companies that don't ask for proof of garaging if you were looking for full coverage, including comprehensive insurance. It's helpful to compare rates from the auto insurance companies that do ask for proof of garaging to see if any are more affordable. If necessary, you could purchase auto insurance without comprehensive coverage if you're concerned about your parking situation.

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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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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

UPDATED: Aug 30, 2021

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A Concise Overview

  • Auto insurance companies that don’t ask for proof of garaging will most likely not offer comprehensive insurance
  • Auto insurance companies almost always require a permanent address to secure a policy
  • Proof of garaging could help lower auto insurance rates due to a decreased risk of damage while your vehicle is parked

Life changes sometimes mean changes in your auto insurance coverages. These changes could lead you to look for auto insurance companies that don’t ask for proof of garaging.

It’s no secret that people would like to save money on auto insurance. We’ll explain how you can get auto insurance without an address and which companies are best for auto insurance with no garage.

Scroll down to learn more about the auto insurance companies that don’t require proof of garaging and enter your ZIP code above to get free auto insurance quotes from the top auto insurance companies near you.

Why do auto insurance companies ask for proof of garaging?

Does car insurance cover garaging? Auto insurance doesn’t necessarily “cover” garaging, but auto insurance companies do pay attention to your parking situation when providing your policy and rates.

More specifically, your comprehensive auto insurance rates will be subject to change based on proof of garaging since this type of insurance covers incidents unrelated to collisions.

What is comprehensive auto insurance? It is a type of insurance policy that provides coverage for damages not caused by a collision, including inclement weather, theft and vandalism, and other incidents that could be prevented by garaging your vehicle.

Take a look at the table below for average comprehensive auto insurance rates:

Average Annual U.S. Auto Insurance Rates
Type of Auto Insurance CoverageAverage Annual Auto Insurance Rates
Liability$516.39
Collision$299.73
Comprehensive$138.87
Full Coverage$954.99
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Comprehensive auto insurance varies from state to state, as do the state requirements for insurance. Take a look at the table below to see how your state insurance rates compare:

Average Annual Comprehensive Auto Insurance Coverage Rates by State
StatesAverage Annual Comprehensive Coverage Rates
Alabama$156.31
Alaska$137.26
Arizona$186.12
Arkansas$190.41
California$100.54
Colorado$174.61
Connecticut$131.62
Delaware$122.49
District of Columbia$233.24
Florida$116.53
Georgia$159.18
Hawaii$101.56
Idaho$116.55
Illinois$128.13
Indiana$122.06
Iowa$183.53
Kansas$267.91
Kentucky$141.39
Louisiana$215.17
Maine$104.98
Maryland$152.72
Massachusetts$134.96
Michigan$154.85
Minnesota$184.27
Mississippi$210.33
Missouri$181.27
Montana$211.91
Nebraska$229.25
Nevada$117.63
New Hampshire$110.77
New Jersey$131.35
New Mexico$172.57
New York$171.12
North Carolina$136.08
North Dakota$231.04
Ohio$121.61
Oklahoma$225.84
Oregon$93.87
Pennsylvania$144.21
Rhode Island$132.19
South Carolina$180.94
South Dakota$258.11
Tennessee$148.45
Texas$206.42
Utah$109.50
Vermont$125.48
Virginia$136.54
Washington$106.38
West Virginia$204.28
Wisconsin$136.81
Wyoming$247.57
U.S. Average$148.04
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Your address is important for auto insurance because it often relates to the amount and type of driving you’ll be doing. If you live in a small town with low speed limits and few distractions, you’ll likely pay less than those who live in a busy city.

In addition, auto insurance companies may want to know if your region faces inclement weather. If you live in snowy mountains, you might be expected to pay more for auto insurance due to the risks associated with black ice and snow.

Not every company weighs each factor the same. Some insurers might prioritize your driving experience while others might emphasize your home address when creating your policy.  Chances are, any auto insurance companies that require proof of garaging will be more expensive.

Shop around to find the right auto insurance companies that don’t ask for proof of garaging near you. You can use our auto insurance calculator to give you an accurate indicator of what you might pay for auto insurance given different situations.

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How to Save on Auto Insurance if You Aren’t Garaging

I can’t find any car insurance companies that don’t require proof of garaging near me. What do I do?

You shouldn’t have to put your vehicle at an increased risk just because you’ve relocated or decided to start parking on a driveway or side street. Depending on your situation, you should have options for purchasing affordable auto insurance despite your parking situation.

If you need to buy auto insurance without an address, you might have more trouble finding coverage. Auto insurance companies might have concerns about billing or coverage. If they can’t find you, it’s hard for them to know if and when you’ll pay your bill.

However, you can be added to a family member or roommate’s policy for an additional charge. You can also buy non-owner auto insurance if you don’t own your own vehicle but still drive regularly. Most car insurance companies that don’t ask for proof of garaging offer these types of policies.

At the end of the day, your safest bet will be to shop for quotes from different auto insurance companies to see who considers garaging to be the least important.

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

As far as auto insurance companies that don’t require strict proof of garaging address, there isn’t a perfect answer. You almost always need to provide a permanent address for insurers to offer you a policy, and most auto insurance companies will ask for proof of garaging if you want comprehensive insurance coverage.

If you are truly concerned about saving money on auto insurance due to your parking situation, you could simply purchase a policy without comprehensive auto insurance. This is a simple solution, but it does put your vehicle at risk.

The best way to find auto insurance companies that don’t ask for proof of garaging is to compare different providers. Enter your ZIP to get free quotes in just a few clicks.

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