Auto Insurance Companies That Don’t Require an Agent (2022)

Using auto insurance companies that don't require an agent can get you cheaper rates on car insurance without the hassle of talking on the phone. Esurance and Metromile are two popular car insurance companies that don't require an agent. However, if you are unfamiliar with your auto insurance policy details, auto insurance companies that do require an agent can often provide guidance to assure you choose the best policy for your needs.

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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 ...

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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 require an agent can sometimes offer lower rates
  • Auto insurance companies that do require an agent will likely provide more guidance and customer service
  • Online auto insurance quotes could help you avoid lengthy phone calls with insurance agents

If you need shopping for auto insurance coverages to be quick and effortless, you might want to consider looking for auto insurance companies that don’t require an agent.

Nobody wants to spend all day on the phone with an insurance agent. Read this guide now to learn the benefits of agentless auto insurance and how online insurance companies compare to insurance with an agent.

We’ll highlight everything you need to know about auto insurance companies that don’t require an agent, or you can buy auto insurance right now with our free quote tool above. Enter your ZIP code to get started.

Can you get auto insurance without an agent?

You can get insurance directly from a company instead of through an agent in some cases. As long as the company is licensed to provide insurance products, it can distribute a policy.

Most large insurance companies use agents and offer sales-based incentives to continue driving business. For example, State Farm, Allstate, and GEICO will only sell policies through agents, but that isn’t the case for all insurers. There are a handful of companies that will allow you to purchase auto insurance entirely online so that you won’t have to make any phone calls.

Most notably, Esurance and Metromile offer car insurance without an agent.

Metromile is one of the fastest-growing usage-based insurance programs out there that can also be purchased online.

Do you need an agent to get car insurance?

No, you do not necessarily need an agent to get auto insurance. In some ways, there are benefits to purchasing a policy online while it might be preferable to use an agent in others.

Below, we’ll highlight some of the key differences when buying auto insurance without an agent.


  • No long phone calls (online – no agent)
  • Potential for cheaper rates (online – no agent)
  • Informed policy guidance (agent)
  • Convenient customer service (agent)


  • Potentially more expensive (agent)
  • Limited guidance and service (online – no agent)
  • Time-consuming start-up (agent)

Overall, you’ll need to decide if you feel comfortable purchasing your own auto insurance policy without the guidance of an educated agent.

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Buying Auto Insurance Online vs. Buying Auto Insurance from an Agent

Companies like Esurance will allow you to pick your policy details and purchase an auto insurance policy without all of that hassle. You will still most likely have to upload supporting documents, however.

How will I find car insurance companies that don’t require an agent near me? Online auto insurance companies will be available anywhere with internet access. You will also be able to make policy adjustments or file car insurance claims online.

Some sources believe that online auto insurance will be cheaper than auto insurance through an agent. This is because most insurance agents earn a percentage of each client’s premium.

While this can be true in some cases, it’s worth noting that there are different types of auto insurance agents, which can impact your rates and policy type. 

Captive Insurance Agents vs. Independent Insurance Agents

If you aren’t really sure how to buy auto insurance or what policy is best for you, you might want to consider auto insurance companies that do require an agent.

Auto insurance agents sometimes work exclusively for one company (captive) while others are free to represent numerous companies (independent).

What is a captive auto insurance agent? A captive auto insurance agent works for one sole insurer and is likely unable to sell policies from other insurers due to a non-compete agreement.

What is an independent auto insurance agent? An independent auto insurance agent isn’t tied down to any one insurance company. Rather, they are able to partner with multiple insurance providers to distribute a variety of auto insurance policies.

The difference between a captive insurance agent and an independent insurance agent goes farther than who they can represent. The ability to represent numerous insurers opens up many doors for a policyholder.

For the most part, independent insurance agents will be able to offer you flexibility when shopping for auto insurance and related insurance products. Each company they partner with determines rates, but you will have the opportunity to compare more than one insurance option.

In addition, an independent insurance agent won’t be confined to the underwriting policies of one single company. Sometimes, larger insurance companies purposefully make it a challenge for you to make policy changes that benefit you, and an independent agent can help you navigate this process.

How to Find Auto Insurance Companies That Don’t Require an Agent

Auto insurance companies each have a unique set of rules. Some will require a captive agent while others will accommodate independent agents or online auto insurance sales.

Now that you know whether or not you want to pursue auto insurance companies that don’t require an agent, you can compare auto insurance rates from local companies by entering your ZIP code below.

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