Best Auto Insurance Companies That Don’t Require a Car Inspection (2024)
If you're looking for auto insurance companies that don't require a car inspection, you'll likely find that the best company depends largely on your state. If your state requires it, you can likely get an inspection for under $25. Compare at least three quotes before you buy auto insurance from companies that don't require a car inspection.
Read moreFree Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 21, 2023
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.
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 21, 2023
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
- Some companies will give you a policy without an inspection
- State laws have a big impact on inspections and regulations
- Some states may require an inspection once you have insurance
Navigating the different laws regarding car inspections and insurance can leave you looking for auto insurance companies that don’t require a car inspection or any other hassle. It’s wise to compare car insurance companies as it may lead to cheap auto insurance.
Most states require some form of inspection, be it emissions or something more strict. For auto insurance companies that do ask for a car inspection, you most likely will need to have insurance before that inspection takes place.
Curious about rates from auto insurance companies that don’t require a car inspection? Enter your ZIP code into our FREE quote tool to get an idea of what you can pay.
Auto Insurance Companies That Don’t Require a Car Inspection
Searching for which auto insurance companies that don’t require a car inspection near me?
Which car insurance companies near you that don’t require an inspection will vary depending on where you’re located in the country. Some insurers don’t bother at all with inspections while others will give you discounts if your car has no outstanding issues.
While it may depend on the insurer, the state you live in will also have specific laws regarding auto insurance and car inspections. Some of the states and their prices for inspection are:
- Hawaii — $25
- Maine — $12.50
- Massachusetts — $35
- New Jersey — $50
- Rhode Island — $55
In a number of states, it’s required for you to get a car inspection, and will likely cost you about a month’s worth of insurance premiums to do so. In the states that don’t require a car inspection, you’re likely to find almost any insurer will be willing to give you a policy without one.
In some of the states where an inspection is required, you’ll need to have the minimum amount of liability insurance. This will mean that you will likely be able to get an auto policy in those states without a formal vehicle inspection.
Car Insurance Inspection State Limitations
Currently, there are seven states that don’t require you to have a vehicle inspection of any kind. In these states, you can register and insure a vehicle without it ever having to be inspected. These states are:
- Alaska
- Arkansas
- Iowa
- Minnesota
- Montana
- South Carolina
- South Dakota
These states allow you to drive a vehicle without it ever having to be inspected by any agency. There are some exceptions and bills being put forth in legislation, but nothing concrete right now.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Can I get a car inspection without insurance?
It’s important to make sure your car meets all the standards for the road to ensure your vehicle is compliant with the law. This will guarantee your safety as well as keeping you out of any jeopardy with the legal system.
While you may want to make sure your car can pass inspection before it’s insured, that may not be how it works in your state. In order to get a car inspection, you will at least need to have the minimum amount of liability insurance that is usable in your state.
It makes sense that an inspector would prefer you to have insurance during the inspection, as it’s required in most states, like Texas, to have minimum liability coverage. To get to the inspection service, you’ll need to drive on the road to get there.
You’ll need not only insurance and registration, but also proof of identification and money to pay for the inspection.
Will insurance cover an uninspected car?
It will depend on the insurer and state that you’re applying for a policy in. Some insurers will be more lenient on your vehicle but others will ask that you have your car inspected to make sure there are no unforeseen risks.
This can feel like an issue for those looking for an inspection, but the best bet would be to find a station that doesn’t require you to have car insurance before you take it in.
Does my car need to be registered to get insured? Yes, as the inspector needs to know who to relay the issues and progress reports to.
Why are car inspections needed?
During a car inspection, the station will cover all the base necessities such as:
- Servicing Brakes
- Fixing Lighting
- Adjusting Tires
- Checking Computer Systems
- Emergency Equipment Checks
If there has been a recall or some other manufacturing defect in your car’s model, you’ll want them to go over everything to make sure no other defects or underlying issues go overlooked.
An inspection can be a great way to make sure your car doesn’t cause more financial trouble.
At the end of the inspection, you’ll have a much better idea of any issues with your car, as the inspector will give you a detailed list of what they were able to find over the course of your vehicle inspection.
How much does a car inspection cost?
This will also vary largely between states, with some states charging upwards of $50. Considering each state has different inspection requirements, it would make sense that the price for those would vary based on the services being done. The age of the vehicle also matters.
Government-based inspectors would be the best bet, but this comes with a lot of paperwork and wait times. Private mechanics might cost more, however. Doing the research on where you’re getting your inspection done should help narrow down your choices.
How Car Insurance Inspections Reduce Accidents
In the day to day of our lives, we can often forget to do the simple things. However, when it comes to car maintenance, it’s important that you stay up to date to prevent accidents. A car inspection is sure to point out any potential red flags that could lead to more trouble down the line.
An inspection can be especially useful on older cars that don’t have the same safety features as modern ones. Making sure the brakes and steering systems are in good shape will make up for the lack of advanced mechanics.
Overall, a vehicle inspection will help you stay ahead of any natural wear and tear that cars go through in their lifetime. Staying ahead of any potential issues will also save you money in the long run, money you’d spend on repairs.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Auto Insurance Companies That Don’t Require a Car Inspection: The Bottom Line
While the answer to whether you can find car insurance companies that don’t require a car inspection largely depends on your vehicle and location, it doesn’t mean that it wouldn’t benefit you any less.
Keeping your car tuned will ensure you don’t have to pay for more extensive repairs later on.
To find quotes from auto insurance companies that don’t require a car inspection, enter your ZIP code into our free quote tool to get an idea of what you can pay.
Frequently Asked Questions
Do all auto insurance companies require a car inspection?
No, not all auto insurance companies require a car inspection. While some insurers may require a car inspection as part of their underwriting process, there are several reputable companies that do not mandate a car inspection.
Which auto insurance companies are known for not requiring a car inspection?
Several auto insurance companies are known for not requiring a car inspection. Some examples of such companies include:
- Geico
- Progressive
- State Farm
- Allstate
- Liberty Mutual
- Nationwide
- Farmers Insurance
- Travelers
Are there any conditions or limitations to consider with these companies?
While these companies generally do not require a car inspection, there may be certain conditions or limitations to consider. For example, if you have a new vehicle or your vehicle meets certain criteria such as age or value, an inspection may still be required. Additionally, some companies may request photos or documentation to assess the condition of the vehicle. It’s important to review the terms and conditions of each policy and discuss any questions with the insurance provider.
Will not having a car inspection affect my coverage or premiums?
Not having a car inspection typically does not directly affect your coverage or premiums. However, insurance companies rely on accurate information about your vehicle to determine the appropriate coverage and premiums. Providing accurate details about your vehicle, such as its make, model, year, and condition, is important to ensure proper coverage and accurate pricing.
Is it worth choosing an insurance company that doesn’t require a car inspection?
Choosing an insurance company that doesn’t require a car inspection can be convenient, especially if you prefer to avoid the hassle and potential delays associated with inspections. However, it’s essential to consider other factors as well, such as the overall coverage, customer service, financial stability of the insurer, and the cost of premiums. Comparing multiple insurance companies and their offerings is recommended to find the best fit for your needs.
How can I find out if an insurance company requires a car inspection?
To find out if an insurance company requires a car inspection, you can research and review their policy information or contact their customer service directly. Additionally, reading customer reviews and consulting with insurance agents or brokers can provide insights into the practices of different insurers regarding car inspections.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
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.