Best Auto Insurance Companies That Don’t Require Proof of Garaging (2021)
You can find affordable auto insurance companies that don't require proof of garaging. Those living out of their car can buy insurance from auto insurance companies that don't require proof of garaging, but they will need to give their insurance companies the address where they keep their vehicle. State Farm is of the auto insurance companies that don't require proof of garaging, but compare quotes to find the best company for you.
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Written by
Leslie Kasperowicz
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Reviewed by
Daniel Walker
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UPDATED: Sep 24, 2021
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- Most insurance companies won’t require that you have a garage but will need to know where you park your vehicle when it’s not in use
- Individuals without a permanent address can still buy auto insurance
- Garages can help reduce insurance rates in the long run by protecting your vehicle from theft and the environment
Some of the best companies in the insurance market won’t require proof that you own a garage; however, they will need to know where you park the vehicle when it is not in use.
Knowing where you keep your car is very important to an insurance company, as it plays a large role in the calculations of your rates, especially since owning a garage can greatly reduce your car’s chances of being damaged while you’re at home.
If you don’t have a permanent address, finding quotes from auto insurance companies that do require proof of garaging can be stressful. If you don’t own a garage, you can still find great rates from auto insurance companies that don’t require proof of garaging.
Find the best auto insurance companies that don’t require proof of garaging when you enter your ZIP code to get free insurance quotes from companies near you.
Table of Contents
Why Insurance Companies Ask if You Store Your Vehicle in a Garage
When an insurance company asks you if you store your vehicle in a garage, the company is trying to ascertain how big of a risk you are to insure as a driver.
If you live in an apartment complex and pay a fee to store your vehicle in an onsite garage, does auto insurance cover garaging costs? Unfortunately, it doesn’t, but keeping your car in a garage can save you money in the long run by:
- Reducing the chances of an accident
- Protecting your vehicle from theft
- Protecting your vehicle vandalism
- Acting as a defense against the weather
Parking in a garage and not on the street keeps your vehicle safe from, for example, being sideswiped if a poor driver tries to parallel park near you and from the elements. Hail damage is no joke and can not only dent your vehicle but also damage your windshield.
Reducing the risk of damage to your vehicle means that you’ll most likely have fewer claims on your record, which can result in obtaining lower rates as time goes by.
But remember, even if you don’t have a garage, you will always need to give your insurance company an address for where you park your vehicle when you’re done driving for the day.
This is because your ZIP code reveals the amount of traffic and rate of accidents in your area, which also plays into your rate calculations.
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How Drivers Without a Permanent Address Can Get Auto Insurance
If you find yourself without a permanent address and either staying with a friend or living in your vehicle, you may think it tricky to find an auto insurance company, but auto insurance companies that don’t require proof of garaging will still do business with you.
If you can, ask a friend or neighbor if you could use their address on your insurance policy.
Bear in mind that the address you use will need to be the place where you usually park your vehicle — unless you are on a trip, of course.
This is essential to remember because if your insurance company were to discover that you, hypothetically, had Virginia auto insurance but were primarily driving in California, your policy could be canceled.
How to Find the Best Insurance Company for You
As you may have realized, your location plays a large role in how your rates are calculated, and your location isn’t limited only to your city, but to your state as well.
If you don’t know the average cost for insurance in your state, just take a look at this list below to discover which states have the cheapest auto insurance rates:
| States | Average Annual Liability Auto Insurance Rates | Average Annual Full Coverage Auto Insurance Rates |
|---|---|---|
| Alabama | $394.21 | $868.48 |
| Alaska | $539.68 | $1,027.75 |
| Arizona | $508.76 | $972.85 |
| Arkansas | $394.13 | $906.34 |
| California | $489.66 | $986.75 |
| Colorado | $520.04 | $981.64 |
| Connecticut | $650.94 | $1,151.07 |
| Delaware | $799.30 | $1,240.57 |
| District of Columbia | $628.82 | $1,330.73 |
| Florida | $857.64 | $1,257.13 |
| Georgia | $557.38 | $1,048.40 |
| Hawaii | $458.54 | $873.28 |
| Idaho | $344.29 | $679.89 |
| Illinois | $446.72 | $884.56 |
| Indiana | $382.68 | $755.03 |
| Iowa | $299.18 | $702.46 |
| Kansas | $358.24 | $862.93 |
| Kentucky | $529.21 | $938.51 |
| Louisiana | $775.83 | $1,405.36 |
| Maine | $338.87 | $703.82 |
| Maryland | $609.74 | $1,116.45 |
| Massachusetts | $606.04 | $1,129.29 |
| Michigan | $795.32 | $1,364.00 |
| Minnesota | $456.82 | $875.49 |
| Mississippi | $460.50 | $994.05 |
| Missouri | $415.88 | $872.43 |
| Montana | $386.29 | $863.52 |
| Nebraska | $364.64 | $831.02 |
| Nevada | $681.56 | $1,103.05 |
| New Hampshire | $400.56 | $818.75 |
| New Jersey | $869.57 | $1,382.79 |
| New Mexico | $488.03 | $937.59 |
| New York | $804.51 | $1,360.66 |
| North Carolina | $359.42 | $789.09 |
| North Dakota | $298.18 | $773.30 |
| Ohio | $397.11 | $788.56 |
| Oklahoma | $461.01 | $1,005.32 |
| Oregon | $584.13 | $904.83 |
| Pennsylvania | $499.06 | $970.51 |
| Rhode Island | $759.80 | $1,303.50 |
| South Carolina | $527.09 | $973.10 |
| South Dakota | $300.22 | $766.91 |
| Tennessee | $413.91 | $871.43 |
| Texas | $528.75 | $1,109.66 |
| Utah | $497.53 | $872.93 |
| Vermont | $343.12 | $764.02 |
| Virginia | $425.61 | $842.67 |
| Washington | $596.67 | $968.80 |
| West Virginia | $491.83 | $1,025.78 |
| Wisconsin | $374.37 | $737.18 |
| Wyoming | $321.04 | $847.44 |
| National Average | $538.73 | $1,009.38 |
If you think you are paying too much for your auto insurance you don’t have to keep paying through the nose for coverage. You can find affordable auto insurance companies that don’t require proof of garaging.
State Farm, for example, offers an average monthly rate of $98 and has an A.M. Best rating of A++.
Just make sure that your new policy has the coverage options you need and fits your budget before you switch over.
Auto Insurance Companies That Don’t Require Proof of Garaging: The Bottom Line
While knowing where you keep your car when you aren’t driving is very important to an insurance company, you can find insurance companies that don’t require you to have a garage.
If you’re in temporary housing or living out of your vehicle, buy auto insurance from auto insurance companies that don’t require proof of garaging.
You can find companies easily online, but be sure that you give them the address of where you keep your vehicle, hopefully at a friend’s or neighbor’s residence.
Searching for auto insurance companies that don’t require proof of garaging near you? Get free quotes from auto insurance companies that don’t require proof of garaging when you enter your ZIP code today.