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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Cynthia Lanctot
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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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UPDATED: Aug 30, 2021
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: Aug 30, 2021
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.
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Cynthia Lanctot
Licensed Agent
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.
Licensed 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.