10 Best Auto Insurance Companies That Don’t Require Prior Insurance in 2024
Geico, State Farm, and The Hartford are the best auto insurance companies that don't require prior insurance. Geico has rates starting from $30 a month, with State Farm and The Hartford also offering competitive prices and discounts for drivers lacking proof of prior insurance coverage.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences i...
Commercial Lines Coverage Specialist
UPDATED: Sep 12, 2024
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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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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: Sep 12, 2024
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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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.
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Geico, State Farm and The Hartford are the best auto insurance companies that don’t require prior insurance. Geico is our top pick with rates starting at $30 monthly.
You can get auto insurance quotes even if you’ve never had a policy before, but your auto rates could be high because your experience as a driver is one of the factors that affect auto insurance rates.
Our Top 10 Picks: Best Auto Insurance Companies That Don't Require Prior Insurance
Company Rank Safe Driving Discount A.M. Best Best For Jump to Pros/Cons
#1 25% A++ Overall Value Geico
#2 30% B Customer Service State Farm
#3 25% A+ Senior Drivers The Hartford
#4 25% A Coverage Options Liberty Mutual
#5 12% A Affordable Rates Mercury
#6 30% A+ Online Tools Progressive
#7 25% A++ Business Owners Travelers
#8 22% A+ Multiple Policies Allstate
#9 20% A Customization SafeCo
#10 15% A++ Military Savings USAA
Use our guide to compare auto insurance quotes and get the lowest rates from car insurance companies that don’t require prior coverage.
Explore your auto insurance options by entering your ZIP code into our free comparison tool above today.
- Geico is top for the best auto insurance companies that don’t require prior insurance
- New drivers and those with coverage gaps usually pay more for policies
- Maintaining a good driving record can help lower rates
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#1 – Geico: Top Pick Overall
Pros
- Discounts: Geico provides a wide range of discounts, including for drivers seeking car insurance without prior insurance history.
- Highly Rated for Customer Satisfaction: Geico received an A++ rating from A.M. Best, as well as high customer satisfaction ratings.
- Easy Online Tools: Geico offers convenient online tools for managing policies, making payments, and filing claims. Read more here: Geico Auto Insurance Review.
Cons
- Customer Service Variability: Some customers have reported less satisfactory experiences during claims processing.
- Policy Customization Limitations: Compared to competitors, Geico may offer fewer options for policy customization.
#2 – State Farm: Best for Customer Service
Pros
- Wide Coverage: State Farm provides a broad range of coverage for drivers, including collision, comprehensive, and liability insurance. They also offer rideshare insurance for Uber and Lyft drivers.
- Superior Customer Service: The recent J.D. Power U.S. Auto Insurance Study shows State Farm above industry average in several regions. See the reviews and rankings in our full State Farm Auto Insurance Review.
- Large Agent Network: State Farm has a large network of agents available to assist new drivers and those seeking auto insurance with no history.
Cons
- Limited Online Tools: Some customers may find the online tools and website less user-friendly than other companies.
- Higher Rates: State Farm’s rates may be higher compared to some of its competitors, especially for drivers with a history of accidents or violations.
#3 – The Hartford: Best for Senior Drivers
Pros
- Specialized Programs for Seniors: The Hartford is renowned for its tailored services for seniors, including the AARP® Auto Insurance Program designed specifically for AARP members, offering benefits and discounts that cater to the needs of drivers over 50. Check out our AARP® Auto Insurance Program from The Hartford review to learn more.
- Lifetime Car Repair Assurance: Policyholders can benefit from The Hartford’s lifetime car repair assurance, guaranteeing repairs at authorized shops for as long as they own the vehicle.
- 12-Month Rate Protection: Unlike many insurers who may adjust rates every six months, The Hartford offers a 12-month car insurance rate protection. Our auto insurance experts share more in our The Hartford company review.
Cons:
- AARP Membership Requirement for Best Rates: To access the most beneficial rates and programs, drivers must be AARP members.
- Limited Availability: The Hartford’s coverage options are not be available in Florida.
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#4 – Liberty Mutual: Best for Coverage Options
Pros
- Customizable Policies: Liberty Mutual stands out for offering highly customizable policies, a benefit for those who might not have prior insurance coverage and require specific types of protection. You can learn more about Liberty Mutual’s insurance options in our complete guide: Liberty Mutual Auto Insurance Review.
- Accident Forgiveness: Liberty Mutual offers accident forgiveness, an attractive feature for new drivers or those without a history of prior insurance.
- New Car Replacement: For vehicles less than a year old and with less than 15,000 miles, Liberty Mutual provides new car replacement insurance.
Cons:
- Higher Premiums: Consumer reports indicate that the extensive coverage options and benefits offered by Liberty Mutual may result in higher premiums compared to other auto insurers.
- Variable Customer Service: J.D. Power’s U.S. Auto Insurance Study notes that customer satisfaction with Liberty Mutual can vary significantly by region.
#5 – Mercury: Best for Affordable Rates
Pros
- Competitive Pricing for High-Risk Drivers: Mercury provides competitive rates, especially for high-risk drivers or those with no prior insurance or a poor driving record seeking affordable options.
- Good Driver and Multi-Car Discounts: Mercury offers discounts for good drivers and those with multiple cars, making it an attractive option for families. Explore Mercury’s discount options in our detailed guide: Mercury Auto Insurance Review.
- 24/7 Customer Support: Mercury Insurance provides round-the-clock customer service.
Cons
- Limited Availability: Mercury is available in only 11 states.
- Perceived Delays in Claim Processing: Some customers have reported delays in the processing of claims with Mercury Insurance.
#6 – Progressive: Best for Online Tools
Pros
- Advanced Online Tools: Progressive’s Name Your Price® tool, letts users customize their auto insurance to fit their budget.
- Snapshot Program: The Snapshot program (usage-based insurance) offers personalized rates based on driving habits.
- Roadside Assistance: Progressive provides 24/7 roadside assistance, including towing and tire changes, as an optional add-on to its policies. Our complete Progressive review goes over this in more detail.
Cons
- Rates Can Vary: Rates can vary significantly among drivers.
- Mixed Customer Service Reviews: Some users report variability in customer service satisfaction.
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#7 – Travelers: Best for Business Owners
Pros
- Wide Coverage Options: Travelers provides a comprehensive range of insurance products, serving as a one-stop-shop for business owners needing auto insurance and other business coverage.
- Discounts for Safe Drivers & Multi-Policy Bundles: Customers can receive discounts for safe driving and when bundling their auto insurance with other Travelers policies. Read our full review of Travelers insurance for more information.
- Robust Risk Management and Safety Resources: Travelers offers business policyholders risk management tools and resources, including driver safety training.
Cons
- Limited Availability: Travelers is only available in 42 states.
- Premium Costs: Some customers have reported higher rates compared to other auto insurance carriers.
#8 – Allstate: Best for Multiple Policies
Pros
- Bundling Discounts: Allstate stands out for offering significant discounts to customers who bundle their auto insurance with other policies such as home or life insurance. Read more about this provider in our Allstate auto insurance review.
- Safe Driving Bonus: Safe drivers can receive a bonus for every six months they go without an accident.
- Drivewise Program: Allstate’s Drivewise program tracks driving habits to provide personalized discounts based on safe driving practices. Learn more about this UBI in our Allstate Drivewise review.
Cons
- Customer Service Variability: Some policyholders have reported of difficulties in claims processing and varying levels of responsiveness from agents.
- Policy Pricing: Although discounts are available, some customers find Allstate’s policy premiums to be on the higher side initially, especially for those without a history of bundled policies or who are new to Allstate.
#9 – Safeco: Best for Customization
Pros
- Wide Range of Coverage Options: Safeco offers a comprehensive suite of auto insurance coverages, including liability, comprehensive, collision, and personal injury protection. Check out our Safeco Auto Insurance Review for more details on rates, coverages, and discounts.
- RightTrack Program: Drivers can earn discounts of up to 30% on their insurance rates through Safeco’s RightTrack program by demonstrating safe driving habits.
- 24/7 Claims Service: Safeco provides 24/7 claims service, offering prompt and efficient assistance to policyholders, including those seeking car insurance with no prior coverage.
Cons
- Higher Rates for High-Risk Drivers: Drivers with a history of accidents or traffic violations may face significantly higher rates with Safeco.
- Complex Quote Process: Some users have reported that obtaining a quote from Safeco can be more complex and time-consuming compared to other insurers.
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#10 – USAA: Best for Military Savings
Pros
- Exclusive Discounts for Military Personnel: USAA specifically serves military members, veterans, and their families by providing exclusive discounts in recognition of their service. See how USAA’s rates compare to other insurance providers in our USAA auto insurance review.
- Top-Tier Customer Service: J.D . Power consistently rates USAA’s customer service as one of the top in the industry.
- Flexible Payment Options: USAA offers flexible payment options.
Cons
- Eligibility Restrictions: USAA is exclusive to members of the military community and their families.
- Limited Physical Locations: USAA has fewer physical branch locations compared to some competitors.
The Best Auto Insurance Companies That Don’t Require Prior Insurance Coverage
Numerous companies adjust their rates based on factors such as driving history, age, and gender. However, a select few accept drivers with no prior insurance. This makes them particularly well-suited for drivers who never had car insurance before or individuals experiencing a gap in coverage.
Read More: Non-Driving Factors That Affect Auto Insurance Rates
The following table shows the monthly rates from companies that provide car insurance with no insurance history. This comparison aims to simplify your decision-making process by providing a clear overview of your options.
Auto Insurance Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $61 | $160 |
| Geico | $30 | $80 |
| Liberty Mutual | $68 | $174 |
| Mercury | $29 | $77 |
| Progressive | $39 | $105 |
| Safeco | $27 | $71 |
| State Farm | $33 | $86 |
| The Hartford | $43 | $113 |
| Travelers | $37 | $99 |
| USAA | $22 | $59 |
These auto insurance providers are major players in the insurance marketplace and offer great rates. Remember, the key to selecting the right policy involves not only comparing rates but also understanding the coverage depth and customer service reputation of the insurer.
How Much Coverage Costs for Drivers Without Prior Auto Insurance
What is the auto insurance average for monthly costs? That would be around $165/mo for full coverage, but if you’ve just gotten your license, no matter your age, you will likely pay more than a driver who’s been insured for over a year.
Newly insured drivers will have similar rates to 18-year-old drivers, so use this table to see which company offers the best auto insurance rates to new drivers.
Full Coverage Auto Insurance Monthly Rates by Age, Gender, & Provider
| Insurance Company | Age: 18 Female | Age: 18 Male | Age: 30 Female | Age: 30 Male | Age: 45 Female | Age: 45 Male | Age: 65 Female | Age: 65 Male |
|---|---|---|---|---|---|---|---|---|
 | $328 | $378 | $99 | $103 | $88 | $86 | $86 | $84 |
| $448 | $519 | $168 | $176 | $162 | $160 | $158 | $157 |
 | $305 | $414 | $116 | $137 | $115 | $117 | $113 | $114 |
 | $405 | $461 | $125 | $128 | $114 | $111 | $111 | $109 |
 | $597 | $629 | $160 | $167 | $139 | $139 | $136 | $136 |
| $220 | $254 | $90 | $87 | $80 | $80 | $78 | $78 |
| $626 | $626 | $174 | $200 | $171 | $174 | $167 | $170 |
| $283 | $318 | $87 | $91 | $78 | $77 | $77 | $76 |
 | $303 | $387 | $124 | $136 | $113 | $115 | $111 | $112 |
| $591 | $662 | $131 | $136 | $112 | $105 | $109 | $103 |
| $253 | $292 | $77 | $79 | $72 | $71 | $71 | $69 |
 | $229 | $284 | $94 | $103 | $86 | $86 | $84 | $84 |
| $407 | $469 | $126 | $133 | $115 | $113 | $112 | $109 |
| $530 | $740 | $99 | $108 | $98 | $99 | $96 | $97 |
| $180 | $203 | $74 | $79 | $59 | $59 | $58 | $57 |
| U.S. Average | $416 | $501 | $128 | $139 | $119 | $119 | $117 | $117 |
If you keep your driving record clean, your rates could decrease over time as long as you avoid having any lapses in insurance coverage. If you do that, you could get great auto insurance rates from auto insurance companies that don’t require prior insurance.
Why Auto Insurance Companies Consider Your Driving History
While your lack of previous coverage doesn’t mean you can’t buy auto insurance from auto insurance companies that don’t require prior insurance, your insurance history, or lack thereof, will have a major effect on your rates.
Although your insurance history is not a direct reflection of your skills as a driver, insurance companies do see it as a good predictor of your level of risk as a driver.
Learn how to check your auto insurance claims history.
For example, if you had your license for quite some time but have had no insurance, an insurance company may suspect that you have been driving uninsured, which means you could be a significant risk to insure. Read our guide to learn how auto insurance companies check driving records to determine rates.
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How to Save Money on Auto Insurance
While you can’t rewrite your insurance history, you can still find ways to reduce your rates when you purchase a policy:
- Shop online for free quotes
- Bundle your insurance policies
- Make sure you’re not over-insured
- Don’t file claims that aren’t necessary
- Make sure you are getting every discount you can be applied to your policy
These tips can help you save money on auto insurance.
Shout out to Allstate customers who use our Drivewise app! A national survey found, on average, Drivewise customers:
📞 handle their phones 44% less while driving
🚀 spend 23% less time driving at high speeds
🚙 have an 11% lower rate of hard braking https://t.co/5GeR2nydjm— Allstate (@Allstate) April 19, 2024
Shopping online for auto insurance lets you examine all of the insurance companies on the market from the comfort of your own home.
I recommend gathering at least three quotes so you can be sure that you are getting a good deal.Travis Thompson Licensed Insurance Agent
When you do begin a new relationship with auto insurance companies that don’t require prior insurance, your auto insurance company is sure to have a plethora of discounts available to help you keep your rates down.
Let’s examine this list of discounts that could benefit you:
If you are getting auto insurance for the first time, you might be surprised by how many discounts you might be eligible for.
Auto Insurance Companies That Don’t Require Prior Insurance: The Bottom Line
While your insurance history is not a clear indicator of your skills as a driver, insurers will use it as a way to calculate the risk you pose to the company, so it’s in your best interest to start building up your insurance history without any lapses in coverage.
You can shop online to find great coverage from auto insurance companies that don’t require prior insurance. The best auto insurance companies can provide you with discounts that can bring your initially high rates down.
As long as you maintain a clean record and an upstanding insurance history, you should see cheaper auto insurance rates at every policy renewal. Enter your ZIP code into our free quote tool below to find the best auto insurance providers for your needs and budget.
Frequently Asked Questions
What is meant by “prior insurance” in the context of auto insurance?
“Prior insurance” refers to having a history of previous auto insurance coverage. It indicates that you have had continuous car insurance in the past without any significant gaps in coverage.
Can I get insurance if I haven’t had car insurance for 2 years?
Yes, you can still get insurance even if you haven’t had car insurance for 2 years. Many auto insurance companies offer coverage to drivers with no prior insurance history. Learn how to find cheap full coverage auto insurance.
Why would someone be interested in finding auto insurance companies that don’t require prior insurance?
There are several reasons why someone may be interested in finding auto insurance companies that don’t require prior insurance. Some possible reasons include being a new driver with no previous insurance, recently moving to a new state or country, or having a gap in coverage due to a previous policy cancellation.
What are some of the most affordable car insurance companies?
Several companies offer competitive rates for their policies. To get cheap auto insurance companies, it’s best to request quotes and compare them based on your specific requirements. Learn more: Cheap Auto Insurance for New Drivers Over 20.
Where can I find car insurance with no previous insurance?
You can find car insurance with no driving history by shopping online and comparing quotes from different companies. Learn where to compare auto insurance rates in our guide.
No insurance company will insure me, what are my options for alternative car insurance companies?
If traditional insurance companies are unable to provide coverage for you, consider looking into alternative options such as non-standard auto insurance or joining a car-sharing program. Read more: What do non-standard auto insurance companies offer?
How do I find cheap car insurance for first time drivers?
To find cheap car insurance for first-time drivers, look for discounts aimed at new drivers and consider bundling your auto insurance with other policies, such as homeowner’s insurance, to potentially save more. A higher auto insurance deductible can also reduce your rates, but make sure you can afford the deductible if you need to make a claim.
Which are the best auto insurance companies that don’t require prior insurance?
While the availability of auto insurance companies that don’t require prior insurance may vary depending on your location, well-known insurance providers that often cater to individuals without prior insurance are Geico, State Farm and The Hartford. However, it’s important to note policies and eligibility criteria can change, so it’s a good idea to research and compare options in your specific area.
Will the rates for auto insurance without prior insurance be higher compared to policies that require prior insurance?
While rates can vary based on several factors, including your driving history and location, it’s possible that auto insurance policies without prior insurance requirements may have slightly higher rates. This is because insurance companies typically consider prior insurance as a positive factor when determining risk. However, it’s essential to compare quotes from multiple insurers to find the most competitive rates available to you.
Can I switch to an auto insurance company that doesn’t require prior insurance if I already have coverage elsewhere?
Yes, you can switch to an auto insurance company that doesn’t require prior insurance even if you have existing coverage. However, it’s important to consider the implications of canceling your current policy, such as potential cancellation fees or coverage gaps. Before making the switch, it’s advisable to speak with an agent or representative from both your current insurance company and the new company to understand the process and any potential consequences. Learn how to switch auto insurance companies in our comprehensive guide.
Where can I find car insurance with no previous insurance?
If you have no driving history and you’re wondering, ” How can I find car insurance near me? ” You can start by researching online and comparing quotes from different companies. You can also contact local insurance agents who may have access to a wider range of options and policies. Learn how to find auto insurance agents in your area in our detailed guide.
What are some of the most affordable car insurance companies?
Aside from looking for auto insurance companies that don’t require prior insurance, it’s also important to consider affordability and coverage options. Some of the most affordable car insurance companies include Allstate, Nationwide, and USAA (for military members and their families). However, rates can vary significantly depending on your location and personal circumstances. You can find affordable auto insurance no matter what your driving record looks like by entering your ZIP code below in our free quote comparison tool.
How do I locate auto insurance companies near me?
Use online comparison tools or directories to find insurance companies in your locality. Entering specifics like your zip code can help narrow down the search to providers available in your area. Learn how to buy auto insurance online instantly.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences i...
Commercial Lines Coverage Specialist
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.
