Cheap Auto Insurance Companies That Don’t Require Prior Insurance in 2023
There are very few auto insurance companies that don't require prior insurance history due to the legal ramifications and risks associated with driving without insurance. New drivers without prior insurance history can buy auto insurance but at a higher expense when compared to experienced drivers. Rates from auto insurance companies that do require prior insurance history will vary based on driving record and reason for being uninsured.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Nov 27, 2023
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.
UPDATED: Nov 27, 2023
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.
On This Page
- Auto insurance companies that don’t require prior insurance are rare because of legal ramifications and associated risks
- Previously uninsured drivers can save on auto insurance by shopping with different companies
- New drivers and high-risk drivers should be able to lower rates over time by practicing safe driving habits
If you’re a new driver, you might wonder if there are any auto insurance companies that don’t require prior insurance. There are, but auto insurance coverages can vary in price and policy with each company.
Don’t spend days fighting to get an auto insurance policy. Read our guide now to learn why insurance history is used as a rating factor and how to buy auto insurance with no insurance history.
You’ll have everything you need to know about auto insurance companies that don’t require prior insurance. Enter your ZIP code above to get free auto insurance quotes from top auto insurance companies near you.
What are the best auto insurance companies that don’t require prior insurance?
If you’re getting car insurance for the first time, you’ll quickly learn that many insurance companies will consider you a liability.
New drivers can expect to pay more for auto insurance as a whole. Different insurance companies may try to gouge new drivers knowing that insurance coverage is required by law, and some companies won’t even provide coverage to new drivers.
In the table below, younger drivers will often pay more for auto insurance. Insurance companies assume that wisdom and good decision-making tend to come with age and experience on the road.
| New Driver's Age | Average Monthly Male Driver Rates | Average Monthly Female Driver Rates | Average Monthly Auto Insurance Rates |
|---|---|---|---|
| 16 | $648 | $481 | $565 |
| 17 | $571 | $466 | $519 |
| 18 | $491 | $421 | $456 |
| 19 | $374 | $320 | $347 |
| 20 | $342 | $294 | $318 |
Keep in mind, the average rates listed above include values from many insurers in many different places. Many auto insurance pricing factors will affect your personalized insurance rates, including age, gender, education level, region, even your parking situation.
The cheapest auto insurance is provided to experienced drivers with excellent driving records. Things could become a little more challenging if you’ve had a notable lapse in coverage, but this doesn’t mean you won’t be able to find affordable auto insurance with no driving history.
Where do I find car insurance companies that don’t require prior insurance near me? Your best bet will be to shop large name brands with agents in your region. Larger companies are often willing to take on drivers with greater associated risk.
Take a look at the table below to see which car insurance companies that don’t require prior insurance have the cheapest rates:
| Companies | Average Monthly Auto Insurance Rates |
|---|---|
| Allstate | $439 |
| Farmers | $415 |
| Geico | $245 |
| Liberty Mutual | $377 |
| Nationwide | $215 |
| Progressive | $538 |
| State Farm | $372 |
| USAA | $214 |
With the sample rates above, you’ll see that USAA and Nationwide are preferable over companies like Progressive, Allstate, and Liberty Mutual.
The easiest way to save on auto insurance if you’re currently uninsured is to compare quotes from multiple companies because you could save more than $200 per month by choosing the right provider.
What if I was uninsured because of traffic violations?
It’s one thing to be uninsured because you were too young to get a license. Being uninsured because you lost your license is a different story. This would classify you as a high-risk driver.
High-risk auto insurance tends to be more expensive than coverage for those with a clean driving record. The cheapest high-risk auto insurance companies will largely depend on the magnitude and quantity of your infractions:
| Companies | Average Rates With a Clean Record | Average Rates With 1 speeding violation | Average Rates With 1 accident | Average Rates With 1 DUI |
|---|---|---|---|---|
| Allstate | $3,820 | $4,484 | $4,988 | $6,261 |
| American Family | $2,694 | $3,026 | $3,723 | $4,330 |
| Farmers | $3,461 | $4,079 | $4,519 | $4,719 |
| Geico | $2,146 | $2,645 | $3,193 | $4,876 |
| Liberty Mutual | $4,774 | $5,701 | $6,205 | $7,613 |
| Nationwide | $2,746 | $3,114 | $3,397 | $4,543 |
| Progressive | $3,393 | $4,002 | $4,777 | $3,970 |
| State Farm | $2,821 | $3,186 | $3,396 | $3,637 |
| Travelers | $3,448 | $4,261 | $4,290 | $5,741 |
| USAA | $1,934 | $2,193 | $2,516 | $3,506 |
You’ll see above that auto insurance rates vary greatly and different infractions are weighed as separate high-risk insurance factors. Some companies punish drivers for speeding more than a DUI, and vice versa.
If you’re wondering how to save on high-risk auto insurance, it will depend partially on why you’re classified as high-risk in the first place. Did you simply fail to pay for insurance, or did you lose your license legally?
With each company weighing risk differently, it’s hard to guarantee which company will be the cheapest. In either scenario, the first step to saving on high-risk insurance is to shop for auto insurance rates from multiple companies.
Our auto insurance calculator will give you an idea regarding what you might pay for auto insurance given your situation. The best companies for high-risk drivers should provide similar rates.
The next step would be to take a defensive driving course and start practicing safe driving habits. If you were cited for a DUI in the past, it will likely take about five years for your insurance rates to return to normal.
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How to Find Auto Insurance Companies That Don’t Require Prior Insurance
Whether you’re switching auto insurance or getting it for the first time, most auto insurance companies will ask for proof of prior insurance. Getting the best rates will depend on why you were uninsured to begin with.
There are a few auto insurance companies that don’t ask for prior insurance but you can save by comparing different providers. Enter your ZIP to get free quotes from top insurers near you in just a few clicks.
Frequently Asked Questions
Are there any auto insurance companies that offer affordable rates and do not require prior insurance?
Yes, there are several auto insurance companies that provide affordable rates and do not require prior insurance. These companies understand that not everyone has had previous auto insurance coverage and are willing to provide coverage to new drivers or those who have recently relocated.
Why do some auto insurance companies require prior insurance?
Some auto insurance companies require prior insurance because they use a driver’s previous coverage history to assess their risk. By reviewing prior insurance records, companies can evaluate factors such as claims history, driving experience, and any lapses in coverage. However, not all insurers consider prior insurance as a requirement, making it possible to find affordable options without this condition.
Will not having prior insurance affect my premium rates?
While not having prior insurance may impact your premium rates, it does not necessarily mean you will be charged significantly higher amounts. Insurance companies consider various factors when determining premiums, such as your driving record, age, location, and the type of vehicle you drive. By comparing rates from different insurers, you can still find affordable options that suit your needs.
How can I find cheap auto insurance companies that don’t require prior insurance?
To find cheap auto insurance companies that don’t require prior insurance, you can follow these steps: Research online and look for insurance companies that specialize in providing coverage to drivers without prior insurance. Many insurance comparison websites allow you to compare rates from multiple insurers, making it easier to find affordable options. Additionally, you can contact local agents or brokers who can guide you to companies that offer policies without requiring prior insurance. Asking for recommendations from friends, family, or colleagues who may have had similar insurance needs or have dealt with insurance companies that accommodate drivers without prior insurance can also be helpful.
What should I consider when choosing an auto insurance company without prior insurance requirements?
When selecting an auto insurance company without prior insurance requirements, consider the following factors: Coverage options, ensuring the company offers the coverage types and limits you need to adequately protect yourself and your vehicle. Financial stability, researching the financial stability and reputation of the insurance company to ensure they will be able to handle claims and provide support when needed. Customer service, reading reviews or seeking feedback about the company’s customer service to ensure they are responsive and reliable in assisting their policyholders. Discounts and benefits, inquiring about any available discounts or additional benefits that the insurance company offers to help reduce your premiums or provide added value.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
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.