Cheapest Car Insurance Companies That Don’t Require an Agent (2021)
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UPDATED: Nov 18, 2021
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- The cheapest car insurance companies that don’t require an agent are USAA and GEICO
- Most national providers allow you to purchase a car insurance policy without speaking to a company representative
- Speaking to an agent may help you earn more car insurance discounts
There aren’t many car insurance companies that don’t have agents. However, you can purchase a policy without interacting with one through most major providers. The cheapest car insurance companies that don’t require an agent are USAA and GEICO.
Even if you use a car insurance company that doesn’t require an agent, keep reading to discover why you may still want to speak with one to help you secure cheap car insurance.
After learning about car insurance quotes from companies that don’t require an agent, remember to enter your ZIP code into our free tool above to compare rates from the best providers near you.
What are the cheapest car insurance companies that don’t require an agent?
Most affordable car insurance companies that don’t require an agent do still use them. However, new customers can still purchase a policy without ever interacting face to face.
A captive agent works for a particular company and is loyal to them. An independent agent or broker, on the other hand, is loyal to the customer.
How much does car insurance cost? Most people pay $118 per month or $1,418 per year. But the cost varies by ZIP code, age, driving record, and more.
The list below will help you buy car insurance from companies that don’t require an agent to purchase a policy:
- USAA Car Insurance Company – $2,146.06
- GEICO Car Insurance Company – $2,025.53
- Nationwide Car Insurance Company – $2,345.74
- State Farm Car Insurance Company – $2,903.75
- Liberty Mutual Car Insurance Company – $2,507.96
- Progressive Car Insurance Company – $2,794.75
- American Family Car Insurance Company – $2,973.10
- Farmers Car Insurance Company – $3,593.88
- Allstate Car Insurance Company – $3,838.96
Considering cost alone, the cheapest companies that don’t require an agent include USAA and GEICO. But only military personnel and their families are eligible to use USAA.
Both providers are available in all 50 states and typically underwrite competitively priced quotes in most locations.
State Farm and Nationwide are strong options in regions where USAA or GEICO are not as competitive.
According to the Insurance Information Institute (III), State Farm currently holds the highest percentage of the private car insurance market share at 16.2%.
However, you may find local, affordable car insurance companies that do require an agent.
You need to call the company directly and talk with someone to receive a quote.
Car insurance quotes from companies that do require an agent are similar to quoted prices you can find online. But smaller agencies may cost more than what the national providers charge.
When should you talk to an insurance agent?
You’re probably wondering, when should I talk to an insurance agent, and are insurance agents obsolete? There are a few scenarios where you should speak with an agent.
The car insurance companies with the best agent experience include State Farm, Allstate, and Nationwide.
However, those providers may or may not be your cheapest option.
If you have any questions or concerns about your car policy, an agent can answer all of those inquiries for you accurately.
Agents can also answer basic car insurance questions. They can help you if you’re just starting out, or adding a new driver. Agents can answer your concerns about renting a vehicle, and car shopping. They can also offer some ways to save money and even help you after an accident.
Sometimes, you can only earn specific car insurance discounts by speaking with an agent. For example, your agent does not know what discount-earning technology you have installed on your vehicle unless you tell them.
What to do if you need non-owner car insurance?
If you need non-owner car insurance because you have no license but own a vehicle, you likely need to speak with an agent directly.
This is also known as buying from a captive agent. These agents are loyal to the company they work for.
Alternatively, buying from an independent agent or broker means they aren’t loyal to a specific provider, so you get broader options to compare.
If you’re wondering how to get non-owner car insurance quotes, simply call the provider directly and request one from an agent.
How much does non-owner car insurance cost? It varies by ZIP code and provider. Usually, these policies are cheaper than average.
Why is non-owner car insurance so cheap? Because car insurance for unlicensed drivers usually doesn’t provide full coverage. It only provides liability protection.
But even the cheapest non-owner car insurance companies require you to call and talk to an agent. This is so because most online quote forms require a valid driver’s license number even if the company does not need it.
Similarly, getting car insurance with a suspended license also typically requires speaking with an agent.
Finally, to buy car insurance from companies that do require an agent, you also must usually call and talk to a representative directly.
However, registering a car with no license is unrelated to your car insurance and does not require an agent of any kind.
Also, for those wondering how to buy a car without a driver’s license, you can do so unrelated to using a car insurance agent.
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How do you shop for cheap car insurance online?
To purchase cheap car insurance online, seek out comparison tools and quote boxes from reputable, safe websites.
Ensure you provide factual information to receive accurate quotes from multiple active providers near you. Then simply select the one that fits your coverage needs and budget.
Know that reputable online comparison boxes should always be free, and you’re never obligated to make a purchase.
You can also go to most providers’ websites to request an online quote. However, this process is often more time-consuming.
Ultimately, there are pros and cons to buying insurance online. Just as there are pros and cons to buying insurance from an agent.
However, the car insurance companies with the best online experience are Progressive, GEICO, and Esurance.
Remember, some smaller local companies do not offer quotes online. So to receive car insurance rates from companies that do require an agent, you must typically call the provider directly.
Car insurance companies that don’t require an agent: What’s the bottom line?
These days, most car insurance companies use agents but allow customers to purchase traditional policies without calling one directly.
In some cases, your only interaction with an agent is when they email you the finalized contract to sign and return.
However, insurance agents are great resources if you have questions or concerns or are interested in earning discounts.
If you currently use a car insurance company that does require an agent but are unsatisfied with your experience, never hesitate to shop around for new coverage.
You’ve compared car insurance rates from companies that don’t require an agent, now compare quotes from the top providers near you by entering your ZIP code into our free tool below.
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