Auto Insurance Companies That Don’t Require Prior Insurance (2021)

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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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 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.

Comparing Average Monthly Auto Insurance Rates of New Drivers by Age and Gender
New Driver's AgeAverage Monthly Male Driver RatesAverage Monthly Female Driver RatesAverage Monthly Auto Insurance Rates
16$648$481$565
17$571$466$519
18$491$421$456
19$374$320$347
20$342$294$318
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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:

Average Monthly Auto Insurance Rates for New Drivers by Company
CompaniesAverage Monthly Auto Insurance Rates
Allstate$439
Farmers$415
GEICO$245
Liberty Mutual$377
Nationwide$215
Progressive$538
State Farm$372
USAA$214
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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:

Average Annual Auto Insurance Rates for High-Risk Drivers
CompaniesAverage Rates With a Clean RecordAverage Rates With 1 speeding violationAverage Rates With 1 accidentAverage 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
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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.

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