Cheapest Car Insurance Companies That Don’t Require Prior Insurance (2022)

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Jan 27, 2022

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Key Takeaways

  • Many car insurance companies will give you affordable rates your first time getting insurance
  • Your cost will depend more on the underwriting process
  • If you need lower rates, consider asking the insurer how you can lower your rates

Many car insurance companies don’t require prior insurance, including many of the top insurers in the world. You can even find car insurance discounts on your first policy to get lower rates on your policy.

If you’re looking for car insurance companies that don’t require prior insurance, enter your ZIP code into our free quote tool.

What are some car insurance companies that don’t require prior insurance?

What are some car insurance companies that don’t require prior insurance coverage? Everyone will need their first car insurance policy at some point, and a lack of history shows you’re new to the game. As a result, your insurance company may charge you more to cover the unknown risk you pose.

On the other hand, if you had a car insurance policy before that was in effect for some time, your insurance company may view that favorably. If you have successfully had a car insurance policy in the past, you have shown the insurer that you can meet your financial obligations.

That being said, you likely won’t have an issue getting a car insurance company to give you your first insurance policy. Some of the top car insurance companies that will provide you rates include:

  • GEICO
  • State Farm
  • Allstate
  • Progressive

If you need to insure your car for the first time, you won’t have a hard time finding a company to give you a policy. However, you should still be aware of the ins and outs of your policy to make sure you don’t get taken for a ride, no pun intended.

According to the Insurance Information Institute, the average cost for car insurance in 2018 was around $1,050 a year, which comes out to under $100 a month.

If your insuring a teenager for the first time, consider how you can save money while insuring a teen driver with these five tips to get cheaper insurance rates.

Why do insurance companies look at your insurance history?

If an insurance company looks at your history, it will be to get an idea of your ability to pay into a policy. For example, if you’ve had a policy before, your car insurance company will see that you have the ability to pay. This can work as an incentive for the insurer to give you more affordable rates.

If it’s your first insurance policy, the company may find you inexperienced and charge you more to cover that risk.

How do car insurance companies determine rates?

A car insurance company is a private business that makes money to stay afloat. If it gave all of its customers the same rates, it would stand to lose a lot of money when people start filing claims.

During car insurance underwriting, your company will evaluate the chance it will have to pay out for repairs. Some of the areas car insurance underwriting will consider includes:

  • Demographics – Your age and gender will affect how much you’re charged.
  • Car – Your vehicle’s year, make, and model will affect your insurance, depending on how often it is stolen or crashed.
  • Driving history – If you have a lot of parking tickets or a DUI, your insurance company will charge you to cover that.
  • Credit history – If you haven’t met your financial obligations, your insurance company might charge you more.

Car insurance underwriting is a complicated process that will determine the chance you’ll file a claim during your policy. However, many companies have automated the underwriting process, which can provide you with quotes much faster than before.

How can I save on my rates with no previous insurance?

If you want to lower your car insurance rates, you should consider reducing your risk on the policy. Many car insurance companies will give you cheaper rates if they see you attempting to lower the risk.

Some of the ways that you can get more affordable car insurance rates include:

  • Improve your credit history
  • Put time between you and tickets/DUIs
  • Drive a car that is less dangerous to insure
  • Protect your vehicle by putting it in a garage

If you can get ahead of car issues and decrease your dangerous activities, you should have no problem getting lower car insurance rates. Your insurance company is a private company that will always be inclined to give you lower rates if you qualify.

Life Insurance With No History: The Bottom Line

If you need car insurance companies that don’t require prior history, consider many top insurance companies today. Since car insurance can last for your whole life, many companies won’t need you to have prior coverage.

Since you’re considering car insurance companies that don’t require prior insurance, enter your ZIP code into our free quote tool.

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