10 Best Auto Insurance Companies That Don’t Require Proof of Garaging in 2025

AAA, State Farm, and Travelers are the best auto insurance companies that don’t need proof of garaging. AAA is our top pick because of its member discount and low rates for teen drivers.

Knowing where you keep your car is very important to an insurance company, as it plays a large role in the calculations of your rates.

Our Top 10 Picks: Best Auto Insurance Companies That Don't Require Proof of Garaging

Find the best auto insurance companies that don’t require proof of garaging when you enter your ZIP code to get fast and free insurance quotes from companies near you.

#1 – AAA: Top Pick Overall

Pros

• Local Agents: Access to local agents for personalized service and support. Learn more: AAA Auto Insurance Company Review 
• Bundle Savings: Policyholders can save by bundling auto insurance with other coverages.
• Member Discounts: AAA members may be eligible for discounts on car insurance.

Cons

• Limited Digital Tools: Digital tools aren’t as functional as those of other carriers.
• Membership Required: AAA membership may be required to access certain insurance benefits and discounts.

#2 – State Farm: Best for High-Risk Drivers

Pros

• Affordable Rates for High-Risk Drivers: Low rates for young drivers and those with a DUI, accident, or speeding ticket.
• Generous Coverage: Offers generous coverage for rental car and travel expenses.
• High Customer Satisfaction: Top-scoring insurer in overall customer survey rankings. See what customers have to say in our review of State Farm.

Cons

• Claims Handling: Mediocre customer survey responses for claims handling.
• High Premiums: Higher-than-average sample premiums for adult drivers.

#3 – Travelers: Best for IntelliDrive Program

Pros

• IntelliDrive Program: Read our Travelers’ IntelliDrive program review to learn more about how safe driving can earn you discounts and potentially lower your premiums.
• Varied Coverage: A wide range of coverage options and discounts.
• Accident Forgiveness: There are two options for accident forgiveness.

Cons

• Limited Rideshare Coverage: Rideshare insurance is not available in all states.
• Low Customer Satisfaction: Customer satisfaction ratings are below average.

#4 – Progressive: Best for Budget Shopping

Pros

• Specialized Coverages: Non-owner car insurance and SR-22 filings are available, catering to specific needs.
• Lowest DUI Rates: Offers the lowest rates for drivers with a DUI on their record, providing affordable options.
• Pet Injury Coverage: In most jurisdictions, Progressive will assist with veterinary fees if your pet sustains injuries in an automobile accident and you have collision insurance.

Cons

• Senior and Teen Rates: Rates are only okay for senior drivers and when adding a teen to a policy. Our complete Progressive review goes over this in more detail.
• Low Renewal Likelihood: Progressive ranked last in the subcategory of most likely to be renewed.

#5 – The Hartford: Best for Exclusive Benefits

Pros

• Exclusive Benefits: New car replacement is included with AARP auto insurance policies.
• AARP Discounts: Provides discounted insurance rates for AARP members. Learn more about The Hartford in our review of The Hartford auto insurance.
• High Customer Satisfaction: Above-average customer satisfaction ratings for auto insurance shopping.

Cons

• High Complaint Rate: More than the expected number of complaints for auto insurance policies.
• Expensive for Young Drivers: High rates for young drivers on a member’s policy.

#6 – Nationwide: Best for Usage-Based Rates

Pros

• Competitive Rates: Offers competitive rates for drivers after speeding tickets or accidents. Find out if Nationwide might have the lowest rates for you in our Nationwide auto insurance review.
• Extensive Coverage Options: Offers vanishing deductible, new car replacement, gap insurance, and optional accident forgiveness.
• Low Complaint Rate: Fewer complaints to state authorities about auto insurance than anticipated.

Cons

• Average Repair Process: Nationwide’s collision repair process is average, receiving a C rating from professionals.
• Poor Discount Ratings: Did not score well for discounts, offering fewer savings opportunities for policyholders.

#7 – Farmers: Best for Various Discounts

Pros

• Various Discounts: Offers extensive coverage options that may not be available with other carriers.
• Low Complaint Rate: The National Association of Insurance Commissioners (NAIC) reports fewer consumer complaints about private passenger auto than usual.
• High Claims Satisfaction: Most survey respondents are satisfied with how claims were resolved. Take a look at our Farmers insurance company review to learn more.

Cons

• High Premiums: Premiums can be high in some states.
• Slow Roadside Assistance: Some customers complained about slow roadside assistance.

#8 – Allstate: Best for High-Mileage Savings

Pros

• High-Mileage Savings: Frequent drivers can benefit from Allstate’s focus on high-mileage savings
• Easy Policy Setup: High marks for the ease of opening a new policy. Find more information about Allstate’s rates in our review of Allstate insurance.
• User-Friendly Technology: Plug-in device is simple to use and easy to install.

Cons

• Device Issues: Charges for miles driven even if your device isn’t working correctly.
• Limited Eligibility for Discounts: While Allstate offers high-mileage savings, not all drivers may qualify for these discounts, potentially limiting the benefits for some policyholders.

#9 – USAA: Best for Customer Service

Pros

• Lowest Liability Rates: Offers the cheapest policies for liability-only coverage.
• Significant Savings: USAA is over 30% less than the national average. See details in our USAA auto insurance review.
• High Customer Satisfaction: Consistently receives high marks for customer service and claims handling.

Cons

• Limited Eligibility: Not available to everyone, as it is restricted to military members and their families.
• Higher DUI Rates: Not the cheapest option after a DUI.

#10 – Geico: Best for Low Rates

Pros 

• Affordable Rates: Rates below the national average in most categories, including for drivers with a speeding ticket or accident.
• Specialized Coverage: Offers non-owner policies and files SR-22s.
• Low Complaint Rate: Low level of auto insurance complaints. Learn more about Geico’s rates in our Geico auto insurance company review.

Cons

• Collision Claims Grade: Received only a C- grade by repair professionals for its collision claims process.
• No New Car Replacement: It doesn’t offer new car replacements.

Why Insurance Companies Ask if You Store Your Vehicle in a Garage

When an insurance company asks you if you store your vehicle in a garage, the company is trying to ascertain how big of a risk you are to insure as a driver.

If you live in an apartment complex and pay a fee to store your vehicle in an onsite garage, does auto insurance cover garaging costs? Unfortunately, it doesn’t, but keeping your car in a garage can save you money in the long run by:

• Reducing the chances of an accident
• Protecting your vehicle from theft
• Protecting your vehicle vandalism
• Acting as a defense against the weather

Parking in a garage and not on the street keeps your vehicle safe from, for example, being sideswiped if a poor driver tries to parallel park near you and from the elements.

Auto Insurance Discounts For Companies That Don't Require Proof of Garaging

Hail damage is no joke and can not only dent your vehicle but also damage your windshield. Read more: Does car insurance cover hail damage?

But remember, even if you don’t have a garage, you will always need to give your insurance company an address for where you park your vehicle when you’re done driving for the day.

This is because your ZIP code reveals the amount of traffic and rate of accidents in your area, which also plays into your rate calculations.

How Drivers Without a Permanent Address Can Get Auto Insurance

If you find yourself without a permanent address and either staying with a friend or living in your vehicle, you may think it tricky to find an auto insurance company, but auto insurance companies that don’t require proof of garaging will still do business with you.

Auto Insurance Monthly Rates by Coverage Level & Providers That Don’t Require Proof of Garaging

If you can, ask a friend or neighbor if you could use their address on your insurance policy.

Bear in mind that the address you use will need to be the place where you usually park your vehicle — unless you are on a trip, of course.

Moving soon? 🏡Your address might not be the only thing changing! At https://t.co/27f1xf131D, we’re here to help you understand how changing locations can affect your auto insurance!🚙Find out more here 👉: https://t.co/2qUouyPADS pic.twitter.com/cXNERvDBL6

— AutoInsurance.org (@AutoInsurance) April 7, 2023

This is essential to remember because if your insurance company were to discover that you, hypothetically, had Virginia auto insurance but were primarily driving in California, your policy could be canceled.

How to Find the Best Insurance Company for You

As you may have realized, your location plays a large role in how your rates are calculated, and your location isn’t limited only to your city, but to your state as well.

If you don’t know the average cost for insurance in your state, just take a look at this list below to discover which states have the cheapest auto insurance rates:

Auto Insurance Monthly Rates by State & Coverage Level

If you think you are paying too much for your auto insurance you don’t have to keep paying through the nose for coverage. You can find affordable auto insurance companies that don’t require proof of garaging.

State Farm, for example, offers an average monthly rate of $65 for minimum coverage.

Just make sure that your new policy has the coverage options you need and fits your budget before you switch over.

Auto Insurance Companies That Don’t Require Proof of Garaging: The Bottom Line

While knowing where you keep your car when you aren’t driving is very important to an insurance company, you can find insurance companies that don’t require you to have a garage.

If you’re in temporary housing or living out of your vehicle, buy auto insurance from auto insurance companies that don’t require proof of garaging.

You can easily compare online auto insurance companies, but be sure that you give them the address of where you keep your vehicle, hopefully at a friend’s or neighbor’s residence.

Searching for auto insurance companies that don’t require proof of garaging near you? Get free quotes from auto insurance companies that don’t require proof of garaging when you enter your ZIP code today.