Carrier vs. Carrier Comparisons
Geico, AAA, and State Farm have cheap car insurance for drivers without previous insurance coverage, with rates starting around $70 a month.
Geico is a top pick for its low prices, and State Farm stands out for its flexible policy options. But if you're already a member, AAA adds the best value.
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
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#1 | $70 | A++ | Efficient Pricing | Geico |
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#2 | $73 | A | Member Discounts | AAA |
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#3 | $75 | B | Customer Support | State Farm |
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#4 | $76 | A | Safe Drivers | American Family |
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#5 | $78 | A+ | Driver Incentives | Nationwide |
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#6 | $83 | A+ | Usage-Based Rates | Progressive |
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#7 | $84 | A+ | Loyalty Benefits | Allstate |
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#8 | $88 | A | Personalized Service | Farmers |
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#9 | $90 | A+ | Senior Benefits | The Hartford |
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#10 | $92 | A | Customized Coverage | Liberty Mutual |
These companies make it easy to find affordable, reliable coverage without a prior policy. Keep reading for more simple steps on how to get cheap car insurance with no insurance history.
Searching for more affordable premiums? Insert your ZIP code into our free quote tool above to find cheap auto insurance companies near you.
What You Should Know
- New drivers without prior insurance will have higher rates
- Monthly Geico car insurance rates start at $70
- AAA has cheap auto insurance with roadside assistance for members
#1 – Geico: Top Overall Pick
Pros
- Flexible Coverage Options: Geico provides flexible car insurance after a lapse in coverage and for new drivers with no previous insurance history.
- Mobile Policy Management: The Geico insurance app makes it easy for drivers without previous insurance to manage their policies and make payments.
- Easy Online Tools: Do you know the costs of having the wrong car insurance? Geico’s online tools help drivers without previous insurance find and manage their coverage.
Cons
- Limited In-Person Support: Geico auto insurance customer service may offer less support since it leans heavily on its online tools.
- Fewer Discounts for New Drivers: Geico’s limited discounts for drivers without previous insurance can restrict savings opportunities.
#2 – AAA: Cheapest for Members
Pros
- AAA Member Discounts: AAA offers special discounts for members that can help new drivers make insurance more affordable. See our AAA review for details.
- Comprehensive Roadside Assistance: AAA provides full-service roadside assistance for uninsured drivers experiencing an emergency.
- AAA Customer Support: Best known for quick, helpful service, AAA is particularly well set up to help first-time policy buyers who have a past with no insurance.
Cons
- New Membership Fees: The mandatory membership fees may increase car insurance costs for previously uninsured drivers focusing on budget-conscious coverage.
- Limited Availability: AAA insurance may not be accessible in all areas, which could limit options for drivers without previous insurance.
#3 – State Farm: Best Customer Support
Pros
- Customizable Options: Flexible auto insurance plans cater to drivers without previous insurance.
- Agent Support: State Farm agents guide new drivers without insurance histories. Check out our State Farm review for more information.
- Accident Forgiveness: First-time and uninsured drivers won’t see big rate hikes after one accident.
Cons
- Low Financial Ratings: State Farm's A.M. Best rating dropped to a B, which is lower than other cheap car insurance companies for drivers without previous insurance.
- Limited Digital Options: State Farm has fewer online tools for first-time insureds who prefer digital processes.
#4 – American Family: Cheapest for Safe Drivers
Pros
- Safe Driving Rewards: American Family provides incentives for safe driving, helping drivers without previous insurance start building a positive record.
- Customizable Plans: AmFam offers a multitude of customizable plans for drivers with no previous insurance. Explore options in our American Family review.
- Supportive Agents: Local agents help first-time policyholders understand how to properly set up their insurance coverage.
Cons
- Membership Limited in Some Areas: American Family isn’t available everywhere, which could limit options for uninsured drivers in certain locations.
- Higher Premiums Vary by Region: Rates might be slightly higher in some states for drivers without an insurance history.
#5 – Nationwide: Best Driver Incentives
Pros
- Driver Incentives: Nationwide gives both new and uninsured drivers incentives for maintaining good driving records. Learn more in our Nationwide review.
- Driver-Friendly Options: Nationwide policies are helpful for those without an insurance history in the past, so it's easier to acquire your coverage at an affordable rate.
- Good Coverage Variety: The company offers a variety of coverage options, which helps new drivers and drivers without previous insurance get policies that cater to their needs.
Cons
- Higher Rates for Higher Risk Drivers: Those drivers with no prior insurance and some driving imperfections could be looking at rates that are higher.
- Digital Tools Could be Better: There are fewer online tools available for previously uninsured drivers who prefer digital-first options.
#6 – Progressive: Cheapest Usage-Based Rates
- Usage-Based Snapshot Program: New drivers or those with no prior insurance can get usage-based discounts for safe driving with Progressive Snapshot.
- Tailored Rates: The Progressive Name-Your-Price tool provides an individualized plan with competitive pricing for drivers without previous insurance coverage.
- Flexible Coverage: Progressive allows drivers with no history to get the appropriate policy. Get a complete view in our Progressive review.
Cons
- Higher Rates for High-Risk Drivers: New drivers without insurance history and risk factors may pay more.
- Discounts Vary by State: Some discounts may not be available everywhere, which could limit savings for drivers without prior insurance.
#7 – Allstate: Cheapest for Loyal Customers
Pros
- Loyalty Perks: Allstate offers loyalty incentives to drivers without prior insurance who plan on using its coverage for a while.
- Ideal for Beginners: Allstate's real-time agents make it an exceptional choice for first-time insurance policy shopper customer service.
- Safe Driver Discounts: Allstate insurance discounts for safe drivers without insurance history are competitive. Get details in our Allstate review.
Cons
- Poor Claims Service: Allstate ranks below average for claim service and repair times according to many previously uninsured drivers.
- Variable Customer Service: While most drivers without previous insurance praise Allstate agents, customer service experiences vary widely by state and city.
#8 – Farmers: Cheapest Personalized Service
Pros
- Personalized Service: Farmers agents help if you're new to insurance and want to review your coverage options.
- Flexibility: Its plans are flexible and adjusted to fit different lifestyles, which means new and uninsured drivers should be able to find appropriate coverage.
- Good Rewards for Safe Driving: Incentives for safe driving help drivers without prior insurance save as they build a record. Discover more in our Farmers review.
Cons
- Higher Prices for Some First-Time Insureds: Farmers charges previously uninsured drivers more than other companies on this list.
- Digital Offerings are Limited: Farmers has fewer online tools, which isn’t ideal for drivers who prefer digital management.
#9 – The Hartford: Cheapest for Senior Drivers
Pros
- Senior-Focused Benefits: If you are a retired driver without prior insurance, The Hartford has policies designed for you with senior benefits.
- Good Claims Serving Reputation: The Hartford is efficient in servicing its claims, which can be comforting for a first-time insured. Read more in our review of The Hartford.
- Safe Driving Discounts: A safe driving discount is beneficial to individuals who do not have insurance and are trying to build a history.
Cons
- Senior Focus Limits Options: The Hartford car insurance is only for AARP members. It's not available to young or teen drivers without previous insurance histories.
- Higher Prices for First-Time Insureds: The Hartford insurance rates for previously uninsured drivers are higher than other companies on this list.
#10 – Liberty Mutual: Cheapest for Customized Coverage
Pros
- Tailored Options: Liberty Mutual customizes policies for drivers who have never carried insurance with a long list of add-ons and packages.
- Useful Online Tools: It has really great online tools for getting the right insurance policies for first-time insureds.
- Safe Driving Rewards: These enable insurance-free drivers to earn a discount while building their driving history. To learn more, check out our Liberty Mutual review.
Cons
- Rates May be Higher for High-Risk Drivers: Liberty Mutual can be pricier for first-time insureds with a riskier driving history.
- Some Coverage Options are Extra: Add-on coverage might increase costs, which could be a drawback for previously uninsured drivers trying to save money.
Find the Best Monthly Insurance Rates Without Previous Insurance
Geico has the cheapest rates for previously uninsured drivers. Use this table to compare rates from multiple companies.
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
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$73 | $150 |
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$84 | $180 |
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$76 | $158 |
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$88 | $185 |
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$70 | $145 |
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$92 | $190 |
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$78 | $160 |
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$83 | $177 |
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$75 | $155 |
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$90 | $200 |
With these monthly rates laid out, choosing the right coverage for your budget becomes a whole lot simpler, even if you have never had car insurance before. Just keep in mind that your deductible plays a big role, too. What is an insurance deductible?
Opting for a higher deductible can bring your monthly premium down if this is your first time buying car insurance. But it means more out-of-pocket if you need to file an insurance claim. Conversely, while a lower deductible can lead to slightly higher monthly payments, it may protect you from larger expenses later on.
- Higher Deductibles, Lower Premiums: A higher deductible means lower monthly premiums and makes your insurance affordable every month. But you’ll be out of pocket less if you have to make a claim.
- Lower Deductibles, Higher Premiums: Choosing a low deductible raises your monthly premium but lowers the amount you'll need to pay out of pocket when you must file a claim, which is more immediate financial protection.
- Finding the Right Balance: The ideal deductible depends on your budget and financial comfort level. Higher deductibles work well if you can cover a larger out-of-pocket expense, while lower deductibles might be better if you prefer more predictable costs.
Striking a balance between these ensures you have the right combination of cost and coverage when buying auto insurance for the first time.
Read More: What is the penalty for driving without insurance?
Boost Your Savings With Car Insurance Discounts
There are plenty of ways to save on car insurance for first-time insureds. Whether you're a safe driver, own more than a single car, or are a loyal customer, there is some sort of discount that will lower your premium for sure.
| Insurance Company | Available Discount |
|---|---|
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Good Driver, Multi-Car, Vehicle Safety Features, Loyalty Discounts |
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Safe Driver, Multi-Policy, New Car, Early Signing, Anti-Theft, Good Student Discounts |
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Loyalty, Safe Driver, Defensive Driving, Low Mileage, Anti-Theft Device Discounts |
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Signal® Safe Driving App, Good Payer, Paperless, Automatic Payment, Good Student, Distant Student Discounts |
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Airbag, Anti-Lock Brakes, Anti-Theft, Seatbelt Use, Good Student, Multi-Policy, Federal Employee Discounts |
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Good Driver, Vehicle Safety, Multi-Policy, Hybrid/Electric Vehicle, Pay-In-Full Discounts |
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Safe Driver, Paperless, Multi-Policy, Accident-Free, Smartride® Telematics Discounts |
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Multi-Car, Good Driver, Online Quote, Multi-Policy, Continuous Insurance, Homeownership Discounts |
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Good Driver, Safe Vehicle, Anti-Theft, Passive Restraint, Good Student, And Bundling Discounts |
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Driver Training, Multi-Car, Good Student, Anti-Theft, Bundling Discounts For Aarp Members |
There are even some companies that offer incentives for new cars or early enrollment, and others also use usage-based car insurance applications.
Geico is especially well-known for all of the discounts it offers to customers, so if you're looking to lower your car insurance premium without compromising on coverage, Geico might be just what you need.
And if you happen to be a federal employee, student, or AARP member there are even more potential savings.
A First-Timer’s Guide to Smart Car Insurance Coverage
Geico, AAA, and State Farm offer cheap car insurance for drivers without previous insurance. However, location matters, as states with the cheapest car insurance, like Maine and Vermont, often have lower premiums.
Age is another factor, as are your deductible and policy limits. Always get quotes from multiple companies to ensure you’re getting the best car insurance rates for previously uninsured drivers. Learn more in our practical guide for understanding car insurance.
Get the cheapest auto insurance after a lapse in coverage with our free online quote tool. Enter your ZIP code below to get started.
Frequently Asked Questions
Who has the lowest car insurance prices for drivers without previous insurance?
If you’re looking for affordable rates without a previous insurance record, companies like Geico and State Farm tend to offer lower prices. It’s always smart to compare quotes. You’d be surprised at the deals available for new policyholders.
Which car insurance company is best for drivers without past insurance?
Companies like AAA and State Farm work well for drivers starting fresh without prior insurance. They’re known for flexible plans and great customer service that can help you get the coverage you need.
What's the cheapest type of car insurance for someone without prior coverage?
Generally, liability car insurance is the least expensive choice if you’re starting fresh without prior coverage. It keeps costs down since it only covers damages to others, but make sure it aligns with your needs.
What’s the most affordable car insurance for seniors who haven’t had coverage before?
Providers like AARP's The Hartford and Progressive offer specialized rates designed for senior drivers. If you're a senior without a previous insurance history, you can find affordable options through some of the best car insurance companies for seniors.
What's the lowest level of car insurance available for drivers who didn’t have coverage before?
The minimum liability insurance is usually the most basic option if you haven’t been insured before. This type covers damages to others but won’t cover your own car. It’s a good option if you’re just looking to meet legal requirements.
How do you get the best car insurance rates for drivers new to insurance?
Knowing what is a driving record and what does it track can help, as insurers review your driving history to set rates.
Which car insurance groups are affordable for drivers without past insurance?
For drivers without previous insurance, providers like Geico, Liberty Mutual, and Progressive offer competitive rates. Some insurers also have group discounts through clubs or alumni associations—worth checking out if you’re eligible.
Does credit score affect car insurance for drivers without previous coverage?
Yes, previously uninsured drivers with bad credit will pay higher rates. Learn more about how credit score affects insurance premiums.
What type of car is the cheapest to insure if you haven’t had insurance before?
Generally, smaller cars like the Honda Civic or Toyota Corolla come with cheaper insurance rates. They’re affordable to repair and have solid safety records, which can help keep premiums low, even if you’re new to insurance.
How do you insure a car you don't own?
If you don't own a car but borrow or rent vehicles, starting comparing cheap non-owner car insurance to get the right insurance policy for a car you don't own.