Best Auto Insurance Companies That Don’t Require Proof of Garaging (2024)
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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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: Oct 15, 2024
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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: Oct 15, 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.
On This Page
- 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.
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:
Liability vs. Full Coverage Auto Insurance Rates by State
| States | Monthly Liability Rates | Monthly Full Rates |
|---|---|---|
| Alabama | $33 | $72 |
| Alaska | $45 | $86 |
| Arizona | $42 | $81 |
| Arkansas | $33 | $76 |
| California | $41 | $82 |
| Colorado | $43 | $82 |
| Connecticut | $54 | $96 |
| Delaware | $67 | $103 |
| District of Columbia | $52 | $111 |
| Florida | $71 | $105 |
| Georgia | $46 | $87 |
| Hawaii | $38 | $73 |
| Idaho | $29 | $57 |
| Illinois | $37 | $74 |
| Indiana | $32 | $63 |
| Iowa | $25 | $59 |
| Kansas | $30 | $72 |
| Kentucky | $44 | $78 |
| Louisiana | $65 | $117 |
| Maine | $28 | $59 |
| Maryland | $51 | $93 |
| Massachusetts | $51 | $94 |
| Michigan | $66 | $114 |
| Minnesota | $38 | $73 |
| Mississippi | $38 | $83 |
| Missouri | $35 | $73 |
| Montana | $32 | $72 |
| Nebraska | $30 | $69 |
| Nevada | $57 | $92 |
| New Hampshire | $33 | $68 |
| New Jersey | $72 | $115 |
| New Mexico | $41 | $78 |
| New York | $67 | $113 |
| North Carolina | $30 | $66 |
| North Dakota | $25 | $64 |
| Ohio | $33 | $66 |
| Oklahoma | $38 | $84 |
| Oregon | $49 | $75 |
| Pennsylvania | $42 | $81 |
| Rhode Island | $63 | $109 |
| South Carolina | $44 | $81 |
| South Dakota | $25 | $64 |
| Tennessee | $34 | $73 |
| Texas | $44 | $92 |
| Utah | $41 | $73 |
| Vermont | $29 | $64 |
| Virginia | $35 | $70 |
| Washington | $50 | $81 |
| West Virginia | $41 | $85 |
| Wisconsin | $31 | $61 |
| Wyoming | $27 | $71 |
| National Average | $45 | $84 |
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.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Frequently Asked Questions
Do all auto insurance companies require proof of garaging for coverage?
No, not all auto insurance companies require proof of garaging for coverage. While some insurers may ask for proof of where you park or store your vehicle, there are reputable companies that do not require this documentation.
Which auto insurance companies are known for not requiring proof of garaging?
Several auto insurance companies are known for not requiring proof of garaging. 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 proof of garaging, there may be certain conditions or limitations to consider. For example, if you live in an area with a high risk of theft or vandalism, the insurance company may still consider the location and take it into account when determining rates. Additionally, some companies may request information about your parking arrangements if you frequently change locations. It’s important to review the terms and conditions of each policy and discuss any questions with the insurance provider.
Will not providing proof of garaging affect my coverage or premiums?
Not providing proof of garaging typically does not directly affect your coverage or premiums. However, insurance companies consider various factors when determining rates, including the location where the vehicle is primarily parked or stored. Without proof of garaging, the insurance company may estimate the risk based on other factors such as your address or driving history. It’s advisable to provide accurate information about your parking arrangements and discuss your specific situation with the insurance provider to get an accurate quote.
Is it worth choosing an insurance company that doesn’t require proof of garaging?
Choosing an insurance company that doesn’t require proof of garaging can be convenient if you have flexible parking arrangements or frequently change locations. It allows you to obtain coverage without the need for specific documentation regarding your parking situation. 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 proof of garaging?
To find out if an insurance company requires proof of garaging, 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 proof of garaging requirements.
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.