Best Auto Insurance Companies That Don’t Require Prior Insurance (2024)
You'll pay higher rates without a history of insurance coverage, but Geico, State Farm, and Allstate are the best auto insurance companies that don't require prior insurance. Allstate has the lowest rates for new drivers at $203/mo, but Geico has more discounts for safe driving and paying premiums in full.
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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: Jan 12, 2024
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: Jan 12, 2024
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.
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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 lower rates
- Shopping online is the best strategy for drivers to find affordable auto insurance without prior coverage
No insurance company can bar you from getting coverage if you are a licensed driver. Still, new drivers may be worried that they won’t be able to find affordable auto insurance companies that don’t require prior insurance.
You can get auto insurance quotes 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.
Use our guide to compare auto insurance quotes and get the lowest rates from car insurance companies that don’t require prior coverage. Below, you’ll find auto insurance rates by age and gender from the top providers, as well as discounts you can use to save money on car insurance.
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Compare Quotes From Top Companies and Save
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Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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The Best Auto Insurance Companies That Don’t Require Prior Insurance Coverage
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.
How Much Coverage Costs for Drivers Without Prior Auto Insurance
What is the auto insurance average for monthly costs? That would be around $165/mo for full coverage, but if you’ve just gotten your license, no matter your age, you will likely pay more than a driver who’s been insured for over a year.
Newly insured drivers will have similar rates to 18-year-old drivers, so use this table to see which company offers the best auto insurance rates to new drivers.
Full Coverage Auto Insurance Monthly Rates by Age and Gender
| Insurance Company | 18-Year-Old Male | 18-Year-Old Female | 30-Year-Old Male | 30-Year-Old Female | 45-Year-Old Male | 45-Year-Old Female | 55-Year-Old Male | 55-Year-Old Female | 65-Year-Old Male | 65-Year-Old Female |
|---|---|---|---|---|---|---|---|---|---|---|
| AAA | $378 | $328 | $103 | $99 | $86 | $88 | $81 | $83 | $84 | $86 |
| Allstate | $203 | $180 | $79 | $74 | $59 | $59 | $56 | $56 | $57 | $58 |
| American Family | $414 | $305 | $137 | $116 | $117 | $115 | $111 | $109 | $114 | $113 |
| Farmers | $629 | $597 | $167 | $160 | $139 | $139 | $131 | $132 | $136 | $136 |
| Geico | $254 | $220 | $87 | $90 | $80 | $80 | $76 | $76 | $78 | $78 |
| Hartford | $469 | $407 | $133 | $126 | $113 | $115 | $107 | $109 | $109 | $112 |
| Liberty Mutual | $626 | $626 | $200 | $174 | $174 | $171 | $165 | $162 | $170 | $96 |
| Nationwide | $387 | $303 | $136 | $124 | $115 | $113 | $109 | $107 | $114 | $113 |
| Progressive | $662 | $591 | $136 | $131 | $105 | $112 | $100 | $106 | $103 | $109 |
| State Farm | $284 | $229 | $103 | $94 | $86 | $86 | $82 | $82 | $84 | $84 |
| Travelers | $740 | $530 | $108 | $99 | $99 | $98 | $94 | $93 | $97 | $96 |
| U.S. Average | $501 | $416 | $139 | $128 | $119 | $119 | $113 | $113 | $117 | $117 |
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.
Why Auto Insurance Companies Consider Your Driving History
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 it as a good predictor of your level of risk as a driver. Learn how to check your auto insurance claims history.
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. Read our guide to learn how auto insurance companies check driving records to determine rates.
How to Save Money on Auto Insurance
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:
Top Auto Insurance Discounts
| Discount Type | Description | Companies |
|---|---|---|
| Multi-policy discount | Discount for having multiple insurance policies with the same company | Geico, Nationwide, Liberty Mutual, Travelers |
| Safe driver discount | Discount for having a clean driving record and no accidents or tickets | Geico, Nationwide, Liberty Mutual, Travelers |
| Low mileage discount | Discount for driving fewer miles per year than the average driver | Geico, Nationwide, Liberty Mutual, Travelers |
| Anti-theft device discount | Discount for having anti-theft devices installed in your car | Geico, Nationwide, Liberty Mutual, Travelers |
| Good student discount | Discount for students with good grades | Geico, Nationwide, Liberty Mutual, Travelers |
| Affinity group discount | Discount for being a member of a professional or alumni association | Geico, Nationwide, Liberty Mutual, Travelers |
| Occupational discount | Discount for being employed in a certain occupation. | None specifically, but some insurers may offer discounts to members of professional organizations |
| Defensive driving course discount | Discount for completing a defensive driving course | Geico, Nationwide, Liberty Mutual, Travelers |
| Pay-in-full discount | Discount for paying your premium in full upfront | Geico, Nationwide, Liberty Mutual, Travelers |
If you are getting auto insurance for the first time, you might be surprised by how many discounts you might be eligible for.
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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, insurers 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 from auto insurance companies that don’t require prior insurance. The best auto insurance companies 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 cheaper auto insurance rates at every policy renewal.
Frequently Asked Questions
What is meant by “prior insurance” in the context of auto insurance?
“Prior insurance” refers to having a history of previous auto insurance coverage. It indicates that you have had continuous car insurance in the past without any significant gaps in coverage.
Why would someone be interested in finding auto insurance companies that don’t require prior insurance?
There are several reasons why someone may be interested in finding auto insurance companies that don’t require prior insurance. Some possible reasons include being a new driver with no previous insurance, recently moving to a new state or country, or having a gap in coverage due to a previous policy cancellation.
Which are the best auto insurance companies that don’t require prior insurance?
While the availability of auto insurance companies that don’t require prior insurance may vary depending on your location, well-known insurance providers that often cater to individuals without prior insurance are Progressive, Geico, and State Farm. However, it’s important to note policies and eligibility criteria can change, so it’s a good idea to research and compare options in your specific area.
Will the rates for auto insurance without prior insurance be higher compared to policies that require prior insurance?
While rates can vary based on several factors, including your driving history and location, it’s possible that auto insurance policies without prior insurance requirements may have slightly higher rates. This is because insurance companies typically consider prior insurance as a positive factor when determining risk. However, it’s essential to compare quotes from multiple insurers to find the most competitive rates available to you.
Can I switch to an auto insurance company that doesn’t require prior insurance if I already have coverage elsewhere?
Yes, you can switch to an auto insurance company that doesn’t require prior insurance even if you have existing coverage. However, it’s important to consider the implications of canceling your current policy, such as potential cancellation fees or coverage gaps. Before making the switch, it’s advisable to speak with an agent or representative from both your current insurance company and the new company to understand the process and any potential consequences.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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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.