Best Auto Insurance Companies That Don’t Require Prior Insurance (2022)
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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UPDATED: Jun 29, 2022
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- 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:
- Liberty Mutual
- State Farm
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:
|Discounts||The General||21st Century||AAA||Allstate||American Family||Ameriprise||Amica||Country Financial||Esurance||Farmers||Geico||Liberty Mutual||MetLife||Nationwide||Progressive||Safe Auto||Safeco||State Farm||The Hanover||The Hartford||Travelers||USAA|
|Adaptive Cruise Control||✓||✓||✓||✓|
|Daytime Running Lights||✓||✓||✓||✓||✓||✓||✓||✓||✓||✓||✓||✓||✓||✓||✓||✓||✓||✓|
|Electronic Stability Control||✓||✓||✓||✓||✓||✓||✓||✓||✓|
|Forward Collision Warning||✓||✓||✓||✓||✓||✓||✓|
|Lane Departure Warning||✓||✓||✓||✓|
|New Customer/New Plan||✓||✓||✓|
|On Time Payments||✓||✓||✓||✓|
|Seat Belt Use||✓|
|Students & Alumni||✓||✓||✓||✓||✓||✓|
|Discounts Provided #||20||21||21||29||27||18||27||26||34||34||32||38||38||35||36||22||30||20||22||38||28||28|
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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.
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