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

Previously uninsured drivers can buy auto insurance from auto insurance companies that don't require prior insurance. While the average cost of a USAA's policy is $121.37 per month, such drivers who haven't had insurance before could face higher rates. Auto insurance companies that don't require prior insurance do offer discounts though that can help lower your auto insurance rates.

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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 24, 2021

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Things to Remember

  • Newly licensed drivers and drivers who have had long gaps in coverage face higher initial rates when buying a policy
  • Maintaining a good driving record can help rates drop
  • Shopping online is the best strategy for drivers to find affordable insurance

New drivers may be worried that they won’t be able to find affordable auto insurance companies that don’t require prior insurance. No insurance company can bar you from getting coverage if you are a licensed driver.

Finding coverage from auto insurance companies that do require prior insurance can be stressful.

You can get auto insurance quotes from auto insurance companies that don’t require prior insurance 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.

You can get free quotes from auto insurance companies that don’t require prior insurance near you when you enter your ZIP code today.

The Best Auto Insurance Companies For Drivers Without Prior Insurance

What is the auto insurance average for monthly costs? That would be $258.51 per month, but if you’ve just gotten your license, no matter your age, you will have to pay more than a driver who has, for example, been insured for over a year.

Although, 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.

Below are some of the best insurance companies that can help new drivers get insurance and can provide good rates as new drivers gain more driving experience:

  • GEICO
  • Progressive
  • Allstate
  • Liberty Mutual
  • Nationwide
  • State Farm
  • USAA

Such companies are major players in the insurance marketplace and offer great rates. USAA’s average rate is $121.37 per month. Of course, you will have to build up your insurance history to get rates like that.

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Why do insurance companies consider your insurance history for your rates?

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 your insurance history as a good predictor of your level of risk as a driver.

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.

How can previously uninsured drivers save on their rates?

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

Shopping online for auto insurance lets you examine all of the insurance companies on the market from the comfort of your own home. A good rule of thumb is to gather at least three quotes so you can be sure that you are getting a good deal.

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:

Best Discounts by Insurance Provider
DiscountsThe General21st CenturyAAAAllstateAmerican FamilyAmeripriseAmicaCountry FinancialEsuranceFarmersGeicoLiberty MutualMetLifeNationwideProgressiveSafe AutoSafecoState FarmThe HanoverThe HartfordTravelersUSAA
Adaptive Cruise Control
Adaptive Headlights
Anti-lock Brakes
Anti-Theft
Claim Free
Continuous Coverage
Daytime Running Lights
Defensive Driver
Distant Student
Driver's Ed
Driving Device/App
Early Signing
Electronic Stability Control
Emergency Deployment
Engaged Couple
Family Legacy
Family Plan
Farm Vehicle
Fast 5
Federal Employee
Forward Collision Warning
Full Payment
Further Education
Garaging/Storing
Good Credit
Good Student
Green Vehicle
Homeowner
Lane Departure Warning
Life Insurance
Low Mileage
Loyalty
Married
Membership/Group
Military
Military Garaging
Multiple Drivers
Multiple Policies
Multiple Vehicles
New Address
New Customer/New Plan
New Graduate
Newer Vehicle
Newly Licensed
Newlyweds
Non-Smoker/Non-Drinker
Occasional Operator
Occupation
On Time Payments
Online Shopper
Paperless Documents
Paperless/Auto Billing
Passive Restraint
Recent Retirees
Renter
Roadside Assistance
Safe Driver
Seat Belt Use
Senior Driver
Stable Residence
Students & Alumni
Switching Provider
Utility Vehicle
Vehicle Recovery
VIN Etching
Volunteer
Young Driver
Discounts Provided #20212129271827263434323838353622302022382828

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If you are getting auto insurance for the first time, you might be surprised with 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, insurance companies 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 and a company that 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 those rates drop at every policy renewal.

Enter your ZIP code to get free rates from auto insurance companies that don’t require prior insurance near you.

Free Auto Insurance Comparison

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

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