Carrier vs. Carrier Comparisons
Geico, AAA, and State Farm offer the cheapest car insurance rates for drivers who lacked previous insurance coverage, starting just above $70 a month.
Geico is one of our top picks for low prices, while State Farm leads the pack in 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 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 also offers driving incentives, allowing new drivers to build a positive driving record without previous insurance.
- 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
Pros
- 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
Finding car insurance without a license might seem daunting, but it’s entirely possible with the right approach. Whether you’re looking for no license car insurance near me or exploring options like Geico no license car insurance or AAA insurance no license, many providers are ready to assist.
Even in states like Texas and Pennsylvania, tailored solutions are available, such as no license car insurance Texas or answers to questions like whether you can get car insurance without a license in Pennsylvania. Explore our practical guide for understanding car insurance to learn more.
For drivers needing full coverage car insurance no license or dealing with a continuous coverage gap, non-standard auto insurance offers a practical solution. By comparing the cheapest rates available to all drivers, you can find the best insurance for unlicensed drivers that provides reliable protection and peace of mind, no matter your circumstances.
Get the cheapest auto insurance after a lapse in coverage with our free online quote tool. Enter your ZIP code to get started.
Frequently Asked Questions
What car insurance company has the lowest prices for drivers without previous insurance?
Geico has some of the lowest rates available for drivers who have never been insured, with plans starting at $70 per month. Also, both AAA and State Farm offer similar pricing and benefits designed specifically for first-time insured drivers.
Which type of car insurance is the cheapest for drivers without previous coverage?
Liability insurance is typically the cheapest option for drivers without prior coverage. It meets the minimum legal requirements but only covers damages to others, making it an affordable choice for those seeking basic coverage.
What is the cheapest car insurance for senior citizens without previous insurance?
The Hartford, offered through AARP, and Progressive are excellent options for seniors without prior insurance. They offer specialized rates and discounts targeted at older drivers to help reduce premiums, but you may be thinking about, how does my credit score affects my insurance premium?
What is the lowest form of car insurance available for drivers without a prior policy?
The lowest form of car insurance is minimum liability coverage, which meets state requirements for protecting other drivers in an accident. It’s a budget-friendly option for drivers starting with no previous insurance history.
Which company gives the best car insurance for drivers without previous coverage?
Geico, AAA, and State Farm are among the best options for drivers without previous insurance. Geico is known for affordability, AAA excels in member benefits, and State Farm stands out for its customer support and flexible plans.
What is the cheapest car insurance group for drivers without previous insurance?
Non-standard auto insurance companies — some of which include Geico, Progressive, and Liberty Mutual — often provide previously uninsured drivers with good rates. These companies specialize in coverage for high-risk or first-time drivers, helping them understand options like “What is comprehensive insurance coverage?” and related policy details.
Which type of car is cheapest to insure for first-time drivers?
Smaller cars like the Honda Civic or Toyota Corolla are generally the cheapest to insure. They also have good safety ratings and are inexpensive to repair, which lowers premiums for those who had not previously purchased coverage.
Which type of car insurance is best for drivers without a prior policy?
Full coverage car insurance is the best option for drivers without a previous policy if they want comprehensive protection. This enables the insured to cover their driver and their vehicle, including liability, collision, and comprehensive coverage.
What is the best insurance for seniors who’ve never had car insurance?
The Hartford and Progressive are excellent for seniors without previous insurance, offering tailored coverage options, senior discounts, and affordable rates, as well as ways to save on senior driver car insurance that meet the needs of older drivers starting fresh.
Who offers the best car insurance for drivers without previous insurance?
Geico, AAA, and State Farm are top choices. Geico leads with low rates, AAA offers membership perks like roadside assistance, and State Farm is known for its personalized service and reliable claims handling.