Auto Insurance Companies That Don’t Check Motor Vehicle Records (2021)

Finding auto insurance companies that don't check your MVR is impossible since your driving record is a significant factor in determining your rates. Your auto insurance company will check your MVR when you sign up and at renewal, and bad driving can cost you around $150 more a month. You can still find great rates from auto insurance companies that do check your MVR by taking a defensive driving course or qualifying for vehicle safety feature discounts.

Compare Quotes Now

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Sep 28, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A Concise Overview

  • All auto insurance companies check your motor vehicle report (MVR)
  • Bad driving habits can cost you an extra $150 a month
  • Drivers with bad MVRs can save money by taking a defensive driving course

Your motor vehicle record (MVR) is one of the most significant factors in determining your auto insurance rates. Insurance companies use your record to see how much of a risk you are to insure.

Because of this, finding auto insurance companies that don’t check your MVR is impossible. If you have a bad driving record, you can be forced to get high-risk auto insurance at a much higher rate.

While it might be difficult to find cheap auto insurance with a bad driving record, shopping around will help you find the best deal out there.

Before you start learning about auto insurance companies that don’t check your MVR, enter your ZIP code to compare free quotes from companies near you today.

Which auto insurance companies don’t check your MVR?

Unfortunately, all auto insurance companies are interested in your driving record. How many accidents you’ve been in and tickets you’ve received indicate how risky you are as a driver.

The good news is that you can find car insurance companies that do check your MVR and offer car insurance for bad driving records at reasonable rates.

Even though you can’t get quotes from auto insurance companies that don’t check your MVR, this table shows you the average annual rates from the top insurers based on driving history:

Average Annual Auto Insurance Rates by Driving History
CompaniesAverage Annual Rates with a Clean RecordAverage Annual Rates with One AccidentAverage Annual Rates with One DUIAverage Annual Rates with One Speeding Violation
Allstate$3,819.90$4,987.68$6,260.73$4,483.51
American Family$2,693.61$3,722.75$4,330.24$3,025.74
Farmers$3,460.60$4,518.73$4,718.75$4,079.01
GEICO$2,145.96$3,192.77$4,875.87$2,645.43
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
Nationwide$2,746.18$3,396.95$4,543.20$3,113.68
Progressive$3,393.09$4,777.04$3,969.65$4,002.28
State Farm$2,821.18$3,396.01$3,636.80$3,186.01
Travelers$3,447.69$4,289.74$5,741.40$4,260.80
USAA$1,933.68$2,516.24$3,506.03$2,193.25
Get Your Rates Quote Now

Compare RatesStart Now →

USAA and GEICO are the two cheapest auto insurance companies out there based on driving records. Even so, you can spend an extra $150 a month just by driving poorly.

If you have multiple infractions on your motor vehicle report, you can be listed as a high-risk driver. Finding affordable car insurance for high-risk drivers is very difficult.

Your driving record isn’t the only thing that can get you listed as a high-risk driver. Your age, credit score, and allowing your car insurance to lapse can also raise your rates.

You can look for quotes from auto insurance companies that don’t penalize you for small accidents or that include accident forgiveness to find more affordable coverage.

Where do insurance companies get driving records?

Auto insurance companies look at your driving records when you buy or renew a policy. Your rates depend on what’s listed on that report.

Insurance companies have two ways of seeing your MVR:

  1. First, they can request a copy from the DMV in your state. However, this can take a while to receive;
  2. Second, insurance companies can use a private company, such as LexisNexis. These reports are generally much faster but can be more costly.

It’s important to note that insurance companies vary in the time period that they look at. For example, some companies only look at the last three years of your MVR but others look at seven years.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

How can drivers with bad MVRs save money on auto insurance?

Even if your MVR is less than stellar, there are still ways you can save money on your auto insurance.

First, take a defensive driving class. Not only can a driving class teach you much-needed driving techniques, but it can also remove points from your driver’s license in most states.

Second, think twice before you file a claim. The more claims you file, the higher your auto insurance rates. Pay out-of-pocket for damages to keep your rates from going up.

Third, take advantage of all discounts you may be eligible for. Not all car insurance discounts are based on your driving. While you won’t be able to get a safe driver discount, there are others you can ask for.

Good student, multi-car, and discounts for paying on time are just a few that don’t depend on your MVR.

You can also get discounts based on the safety features that are already on your car. Come safety features that qualify you for auto insurance discounts include anti-lock brakes, traction control, and brake assist.

Not only will safety features get you a discount, but they will also improve your driving by helping you avoid accidents.

Although you can’t compare rates from auto insurance companies that don’t check your MVR, you can still get a great deal from auto insurance companies that do check your MVR.

Ask for discounts, take a defensive driving course, and think twice before you file a claim to help keep your rates low.

One of the best ways to find cheap auto insurance is to shop around. Each company will offer you different rates, so compare multiple companies to find the coverage you want with low rates.

Now that you know about car insurance companies that don’t check your MVR, enter your ZIP code to compare quotes from affordable auto insurance companies in your area for free.

Compare Quotes Now

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption