Best Auto Insurance Companies That Don’t Require an Agent (2021)

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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 23, 2021

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Things to Remember

  • You can buy insurance online from some major insurance companies
  • Shopping online for insurance is convenient and efficient
  • You’ll need to provide personal information when filling out quotes online

Shopping online for cheap auto insurance is increasingly common; there are quite a few major insurance companies that circumvent the need to buy from an agent at all, making the insurance buying process easier for all drivers.

Finding rates from companies that do require an agent can be stressful, but are there affordable auto companies that don’t require an agent? Read our article to learn more about how to find rates from the best auto insurance companies that don’t require an agent.

Enter your ZIP code to get free rates from auto insurance companies that don’t require an agent.

Insurance Companies That Let Drivers Buy Insurance Online

Are online auto insurance companies trustworthy? Some companies which strictly operate online are not, but here’s a list of reputable major insurance companies that let you buy insurance companies online:

Major Insurance Providers That Offer Auto Insurance Online
Insurance CompanyOnline Auto Insurance QuotesOnline Auto Insurance Purchase
AAAYesNo
FarmersYesNo
GEICOYesYes
Liberty MutualYesNo
NationwideYesYes
ProgressiveYesYes
State FarmYesNo
The HartfordYesYes
USAAYesYes
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You can score great auto insurance rates from auto insurance companies that don’t require an agent. GEICO’s average monthly rate, for example, is only $94 per month.

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How the Online Auto Insurance Purchasing Process Works

When you’re shopping for auto insurance companies that don’t require an agent, an auto insurance company usually provides you with a very streamlined approach to buying a policy. You’ll:

  • Enter your information into a free quote tool
  • Compare quotes
  • Pick the best coverage options for your needs
  • Pay for your purchase with a credit or debit card

Buying auto insurance online is really quite painless, but you’ll want to make sure that you have all the information you need nearby so you can fill out an accurate quote. That way, you know you are getting a quote that is reflective of your needs.

Information Drivers Need to Provide When Filling Out Online Quotes

When you go to request free quotes from auto insurance companies that don’t require an agent online (or any auto insurance company), you’ll need to have the following information on hand:

  • Your name
  • Your address
  • Your driver’s license number
  • Your vehicle’s year, make, and model
  • The vehicle identification number (VIN)
  • A comprehensive description of accidents, tickets, or insurance claims filed for however far back the insurance company asks for

Your insurance company takes care to work up a policy that is tailored to you as an individual. Bear in mind that there are other factors that will influence your rates as well.

Factors that Influence Insurance Rates

An insurance company uses these factors to calculate your insurance rates:

  • Your location
  • Your gender
  • Your credit score
  • Your age
  • Your education level
  • Your marital status
  • Your amount of coverage
  • Your deductibles

Where you are located is quite a crucial bit of information, as that plays a large role in determining how risky you are to insure.

If you live in an area with a lot of traffic and car theft, your rates could be high, but if you happen to live in a quiet community with a low accident rate, you may see lower rates.

Your credit score, meanwhile, informs an insurance company if you will be a reliable client. It lets the company know if there is a good or bad chance that you will pay your monthly bill on time.

The higher your deductibles, the lower your rates; however, in the event that you have to file a claim, you must pay the full amount of your deductible before your insurance will kick in.

If you’re worried about how this may affect your rates, there are quite a few ways that you can reduce them.

Ways Drivers Can Reduce Their Insurance Rates

Review this list of discounts so you know you are not missing out on any discounts:

Common Auto Insurance Discounts Offered by Insurance Companies
Vehicle DiscountsDriver/Customer DiscountsPersonal Discounts
Active Disabling DeviceClaim FreeEmergency Deployment
Adaptive Cruise ControlContinuous CoverageFamily Legacy
Adaptive HeadlightsDefensive DriverFamily Plan
Anti-lock BrakesDriver's EducationFederal Employee
Audible AlarmDriving Device/AppFurther Education
Automatic BrakingEarly SigningGood Student
Blind Spot WarningFull PaymentHomeowner
Daytime Running LightsGood CreditLife Insurance
Economy VehicleLoyaltyMarried
Electronic Stability ControlMultiple PoliciesMembership/Group
Farm/Ranch VehicleMultiple VehiclesMilitary
Forward Collision WarningNew Customer/New PlanNew Address
Garaging/StoringOccasional OperatorNew Graduate
Green/Hybrid VehicleOnline ShopperNon-smoker/Non-drinker
Lane Departure WarningOn-time PaymentsOccupation
Newer VehiclePaperless/Auto BillingRecent Retirees
Passive RestraintPaperless DocumentsStable Residence
Utility VehicleRoadside AssistanceStudent Away
Vehicle RecoverySafe DriverStudent or Alumni
VIN EtchingSeat Belt UseVolunteer

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Shopping for insurance online gives you time to not only find the best policy for you but also to make sure you have added every discount you qualify for to your policy.

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Auto Insurance Companies That Don’t Require an Agent: The Bottom Line

Do you need an agent to get auto insurance? You only need an agent to buy insurance if you want to from certain companies.

Shopping online is a wonderful way to save time and money. It is recommended that when buying insurance online, you purchase a policy from a well-known establishment like GEICO or Progressive so you know that you are working with a reputable insurance company.

Ready to buy auto insurance from companies that don’t require an agent? To find quotes from auto insurance companies that don’t require an agent near you, enter your ZIP code today.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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