Best Auto Insurance Companies That Don’t Ask for a Car Inspection (2021)

If you're looking for auto insurance companies that don't require a car inspection, you'll likely find that the best company depends largely on your state. If your state requires it, you can likely get an inspection for under $25. Compare at least three quotes before you buy auto insurance from companies that don't require a car inspection.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Sep 22, 2021

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Things to Remember

  • Some companies will give you a policy without an inspection
  • State laws have a big impact on inspections and regulations
  • Some states may require an inspection once you have insurance

Navigating the different laws regarding car inspections and insurance can leave you looking for auto insurance companies that don’t require a car inspection or any other hassle. It’s wise to compare car insurance companies as it may lead to cheap auto insurance.

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.

Curious about rates from auto insurance 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.

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.

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 — $12.50
  • 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. 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

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.

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Can I get a 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.

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. In order to get a car inspection, you will at least need to have the minimum amount of liability insurance that is usable 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.

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

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 are car inspections 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.

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.

How much does a car inspection cost?

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.

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, when it comes to car maintenance, it’s important that you stay up to date to prevent accidents. A car inspection is sure to point out any potential red flags that could lead to more trouble down the line.

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.

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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 quotes from auto insurance 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.

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