10 Best Auto Insurance Companies That Don’t Require Vehicle Inspection in 2025

The best auto insurance companies that don’t require vehicle inspection are Progressive, State Farm, and Allstate. These companies offer outstanding coverage options, affordable prices, and excellent customer service.

Most states require some form of inspection, be it emissions or something more strict. For auto insurance companies that do ask for a car inspection, you most likely will need to have insurance before that inspection takes place.

Our Top 10 Picks: Best Auto Insurance Companies That Don’t Require Vehicle Inspection

It’s wise to compare car insurance companies as it may lead to cheap auto insurance. Enter your ZIP code into our free quote tool to get an idea of what you can pay.

#1 – Progressive: Top Pick Overall

Pros

• Non-Owner Insurance: Progressive offers policies for those who don’t own a car but still need coverage.
• Coverage Options: Progressive provides a wide selection of coverage, including pet injury protection and gap insurance. Learn more about Progressive’s coverage options in our Progressive auto insurance review.
• SR-22 Filings: Available for high-risk drivers who need to file an SR-22 form.

Cons

• Rate Increases: The Snapshot program can raise rates for some drivers based on their driving habits.
• Claim Process Rating: Received a grade of C from auto repair experts for its collision claim process.

#2 – State Farm: Best for Wide Coverage

Pros

• Customer Service: Strong survey responses for customer service indicate high satisfaction levels.
• Numerous Discounts: Offers discounts, including programs for safe driving and young drivers. Explore the full range of discounts in our detailed State Farm review.
• Travel Coverage: Generous rental car and travel expenses coverage is available.

Cons

• Higher Premiums: Higher-than-average sample premiums for adult drivers.
• No Gap Insurance: Doesn’t offer gap insurance for new car owners.

#3 – Allstate: Best for Customizable Policies

Pros

• Coverage Options: Includes accident forgiveness, new car replacement, and a safe-driving bonus every six months. Explore more about these coverage options in our comprehensive Allstate auto insurance review.
• Rideshare Insurance: Offers rideshare insurance in many states. 
• Safe-Driving Bonus: Rewards safe driving with a bonus every six months.

Cons

• Expensive for High-Mileage Drivers: Premiums can be costly for those who drive a lot.
• Device Charges: Charges for miles driven even if the tracking device malfunctions.

#4 – USAA: Best for Exceptional Service

Pros

• Affordable Rates: Offers competitive pricing for auto insurance. Learn more about their pricing in our detailed USAA auto insurance review.
• Highly-Rated Mobile App: Provides an excellent app for managing policies and claims.
• Excellent Customer Service: USAA is consistently rated highly for their customer service and claims handling.

Cons

• Limited Availability: SafePilot program is only available in 47 states.
• Membership Requirement: You must be a current or former military member, or a family member of one, to be eligible for USAA insurance.

#5 – Liberty Mutual: Best for Comprehensive Coverage

Pros

• Competitive Pricing: Liberty Mutual provides more affordable prices than rivals across several categories. Discover more about their pricing in our detailed Liberty Mutual auto insurance review.
• Comprehensive Coverage: Provides comprehensive coverage and add-on coverage options.
• Numerous Discounts: Numerous discounts are available to help save on premiums.

Cons

• Higher Premiums: Liberty Mutual’s premiums can be higher than some competitors.
• Customer Complaints: The company has received a higher-than-average number of complaints registered with the NAIC for auto insurance.

#6 – Farmers: Best for Personalized Service

Pros

• Many Discount Opportunities: Farmers offers a wide range of discounts to help lower your premiums.
• Low Complaint Rate: The company has fewer complaints than expected for its size, indicating good customer satisfaction.
• Coverage Options: Farmers provides a great selection of coverage options and add-ons to tailor your policy to your needs. See what Farmers offers in our Farmers review.

Cons

• Customer Complaints: Customers complain about their slow roadside assistance.
• Higher Premiums: Sample premiums are above the national average in all driver categories analyzed.

#7 – Travelers: Best for Enhanced Coverage

Pros

• Affordable Rates: Travelers offers lower-than-average annual rates, providing cost-effective options for many drivers.
• Accident Forgiveness: Two accident forgiveness plans are available, helping to avoid premium increases after an accident.
• Variety of Coverage: Travelers provides a wide range of coverage options for auto insurance, allowing for personalized policies.

Cons

• Limited Rideshare Coverage: Rideshare insurance is not offered in most states, limiting options for rideshare drivers.
• Low Customer Ratings: Travelers has received low customer ratings on the BBB, indicating potential issues with customer satisfaction. See what customers have to say in our review of Travelers auto insurance.

#8 – American Family: Best for Family Discounts

Pros

• Affordable Policy Choices: American Family offers budget-friendly policy options, making it accessible for many drivers.
• Family Discounts: Offers a variety of discounts for families including multi-vehicle, teen driver, and good student discounts.
• Diverse Coverage Types: A wide variety of coverage options are available, allowing for personalized auto insurance plans.

Cons

• Limited Availability: Coverage is only offered in 19 states, restricting access for many potential customers. See if your state is covered in our detailed American Family auto insurance review.
• Poor Customer Reviews: Receives negative ratings from the Better Business Bureau (BBB) and Trustpilot.

#9 – Nationwide: Best for Policy Discount

Pros

• Policy Discount: Nationwide offers a unique policy discount called the “Vanishing Deductible” where your deductible decreases for every year of safe driving. Read our comprehensive Nationwide auto insurance review for more details.
• Bonus Features: Offers bonus features such as roadside assistance, accident forgiveness, and gap coverage.
• Accident Forgiveness: Offers optional accident forgiveness, gap insurance, new car replacement, and vanishing deductible.

Cons

• High DUI Rates: Costs for drivers with a DUI are higher compared to other competitors.
• Limited Availability: Doesn’t sell auto insurance policies in all states, restricting access for some customers.

#10 – Geico: Best for Broad Availability

Pros

• Low Complaint Levels: Geico has fewer customer complaints, indicating good service.
• Competitive Rates: Known for offering car insurance rates that are significantly lower than the industry average. Learn more about Geico’s rates in our Geico auto insurance company review.
• High Policy Limits: Provides higher policy limits, giving customers more coverage options.

Cons

• Limited Local Agencies: Geico may have fewer physical locations, limiting in-person support options for customers.
• No Gap Insurance: Geico does not offer gap insurance

Auto Insurance Companies That Don’t Require a Car Inspection

Searching for which auto insurance companies that don’t require a car inspection near me?

Which car insurance companies near you that don’t require an inspection will vary depending on where you’re located in the country. Some insurers don’t bother at all with inspections while others will give you discounts if your car has no outstanding issues.

Auto Insurance Discounts for Vehicle Inspection

While it may depend on the insurer, the state you live in will also have specific laws regarding auto insurance and car inspections. Some of the states and their prices for inspection are:

• Hawaii: $25
• Maine: $13
• Massachusetts: $35
• New Jersey: $50
• Rhode Island: $55

In a number of states, it’s required for you to get a car inspection, and will likely cost you about a month’s worth of insurance premiums to do so.

Read more: What is the average auto insurance cost per month?

In the states that don’t require a car inspection, you’re likely to find almost any insurer will be willing to give you a policy without one.

In some of the states where an inspection is required, you’ll need to have the minimum amount of liability insurance. This will mean that you will likely be able to get an auto policy in those states without a formal vehicle inspection.

Car Insurance Inspection State Limitations

Currently, there are seven states that don’t require you to have a vehicle inspection of any kind. In these states, you can register and insure a vehicle without it ever having to be inspected. These states are:

• Alaska
• Arkansas
• Iowa
• Minnesota
• Montana
• South Carolina
• South Dakota

Learn more: South Dakota Auto Insurance

These states allow you to drive a vehicle without it ever having to be inspected by any agency. There are some exceptions and bills being put forth in legislation, but nothing concrete right now.

You Can’t Get Car Inspection Without Insurance

It’s important to make sure your car meets all the standards for the road to ensure your vehicle is compliant with the law. This will guarantee your safety as well as keeping you out of any jeopardy with the legal system.

Take a look at the table below to see monthly rates for vehicle inspection from our top companies.

Auto Insurance Companies That Don’t Require Vehicle Inspection Monthly Rates by Coverage Level

While you may want to make sure your car can pass inspection before it’s insured, that may not be how it works in your state.

It makes sense that an inspector would prefer you to have insurance during the inspection, as it’s required in most states, like Texas, to have minimum liability coverage.  To get to the inspection service, you’ll need to drive on the road to get there. Find out the minimum auto insurance requirements in your state in our detailed guide.

You’ll need not only insurance and registration, but also proof of identification and money to pay for the inspection.

Insurance Coverage for an Uninspected Car

So, will insurance cover an uninspected car? It will depend on the insurer and state that you’re applying for a policy in. Some insurers will be more lenient on your vehicle but others will ask that you have your car inspected to make sure there are no unforeseen risks.

This can feel like an issue for those looking for an inspection, but the best bet would be to find a station that doesn’t require you to have car insurance before you take it in.

Does my car need to be registered to get insured? Yes, as the inspector needs to know who to relay the issues and progress reports to.

Why Car Inspections Are Needed

During a car inspection, the station will cover all the base necessities such as:

• Servicing Brakes
• Fixing Lighting
• Adjusting Tires
• Checking Computer Systems
• Emergency Equipment Checks

If there has been a recall or some other manufacturing defect in your car’s model, you’ll want them to go over everything to make sure no other defects or underlying issues go overlooked. Check out our list of the top five deadliest defects to see what could happen if your car goes uninspected.

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— AutoInsurance.org (@AutoInsurance) July 23, 2023

An inspection can be a great way to make sure your car doesn’t cause more financial trouble.

At the end of the inspection, you’ll have a much better idea of any issues with your car, as the inspector will give you a detailed list of what they were able to find over the course of your vehicle inspection.

The Cost of a Car Inspection

This will also vary largely between states, with some states charging upwards of $50. Considering each state has different inspection requirements, it would make sense that the price for those would vary based on the services being done. The age of the vehicle also matters just like it does when it comes to car insurance prices. Learn more about how the age of your vehicle affects auto insurance rates in our comprehensive guide.

Government-based inspectors would be the best bet, but this comes with a lot of paperwork and wait times. Private mechanics might cost more, however. Doing the research on where you’re getting your inspection done should help narrow down your choices.

How Car Insurance Inspections Reduce Accidents

In the day to day of our lives, we can often forget to do the simple things. However, regular car maintenance is important to prevent accidents. A car inspection is sure to point out any potential red flags that could lead to more trouble down the line. Learn more: Best Auto Insurance for Regular Maintenance

An inspection can be especially useful on older cars that don’t have the same safety features as modern ones. Making sure the brakes and steering systems are in good shape will make up for the lack of advanced mechanics.

Overall, a vehicle inspection will help you stay ahead of any natural wear and tear that cars go through in their lifetime. Staying ahead of any potential issues will also save you money in the long run, money you’d spend on repairs.

Auto Insurance Companies That Don’t Require a Car Inspection: The Bottom Line

While the answer to whether you can find car insurance companies that don’t require a car inspection largely depends on your vehicle and location, it doesn’t mean that it wouldn’t benefit you any less.

Keeping your car tuned will ensure you don’t have to pay for more extensive repairs later on.

To find auto insurance quotes fast from companies that don’t require a car inspection, enter your ZIP code into our free quote tool to get an idea of what you can pay.