Best Auto Insurance Companies That Don’t Require Prior Insurance (2023)
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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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 29, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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.
Table of Contents
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:
Discounts | 21st Century | Allstate | Farmers | Geico | Progressive | State Farm |
---|---|---|---|---|---|---|
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 # | 21 | 29 | 34 | 32 | 36 | 20 |
Get Your Rates Quote Now |
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.
Secured with SHA-256 Encryption
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.