10 Best Auto Insurance Companies That Don’t Require Proof of Garaging in 2024
AAA, State Farm, and Travelers are the best auto insurance companies that don't need proof of garaging. On average, drivers pay a monthly cost of $165 with companies that don't require proof a garaging. AAA is our top pick with rates starting from as low as $75 monthly for minimum coverage.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
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UPDATED: Oct 25, 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 25, 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.
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2,934 reviewsCompany Facts
Full Coverage Without Proof of Garaging
A.M. Best Rating
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Pros & Cons
2,934 reviews
17,760 reviewsCompany Facts
Full Coverage Without Proof of Garaging
A.M. Best Rating
Complaint Level
Pros & Cons
17,760 reviews
1,731 reviewsCompany Facts
Full Coverage Without Proof of Garaging
A.M. Best Rating
Complaint Level
Pros & Cons
1,731 reviews
AAA, State Farm, and Travelers are the best auto insurance companies that don’t need proof of garaging. AAA is our top pick because of its member discount and low rates for teen drivers.
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.
Our Top 10 Picks: Best Auto Insurance Companies That Don't Require Proof of Garaging
| Company | Rank | Garaging Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 10% | A | Teen Drivers | AAA |
 | #2 | 15% | B | High-Risk Drivers | State Farm |
 | #3 | 11% | A++ | IntelliDrive Program | Travelers |
 | #4 | 18% | A+ | Budget Shopping | Progressive |
 | #5 | 20% | A+ | Exclusive Benefits | The Hartford |
 | #6 | 10% | A+ | Usage-Based Rates | Nationwide |
 | #7 | 16% | A | Various Discounts | Farmers |
 | #8 | 17% | A+ | High-Mileage Savings | Allstate |
 | #9 | 21% | A++ | Customer Service | USAA |
 | #10 | 16% | A++ | Low Rates | Geico |
Find the best auto insurance companies that don’t require proof of garaging when you enter your ZIP code to get fast and free insurance quotes from companies near you.
- Insurance usually doesn’t require a garage, but needs your parking location
- Individuals without a permanent address can still buy auto insurance
- Garages can lower insurance rates by protecting your vehicle
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#1 – AAA: Top Pick Overall
Pros
- Local Agents: Access to local agents for personalized service and support. Learn more: AAA Auto Insurance Company Review
- Bundle Savings: Policyholders can save by bundling auto insurance with other coverages.
- Member Discounts: AAA members may be eligible for discounts on car insurance.
Cons
- Limited Digital Tools: Digital tools aren’t as functional as those of other carriers.
- Membership Required: AAA membership may be required to access certain insurance benefits and discounts.
#2 – State Farm: Best for High-Risk Drivers
Pros
- Affordable Rates for High-Risk Drivers: Low rates for young drivers and those with a DUI, accident, or speeding ticket.
- Generous Coverage: Offers generous coverage for rental car and travel expenses.
- High Customer Satisfaction: Top-scoring insurer in overall customer survey rankings. See what customers have to say in our review of State Farm.
Cons
- Claims Handling: Mediocre customer survey responses for claims handling.
- High Premiums: Higher-than-average sample premiums for adult drivers.
#3 – Travelers: Best for IntelliDrive Program
Pros
- IntelliDrive Program: Read our Travelers’ IntelliDrive program review to learn more about how safe driving can earn you discounts and potentially lower your premiums.
- Varied Coverage: A wide range of coverage options and discounts.
- Accident Forgiveness: There are two options for accident forgiveness.
Cons
- Limited Rideshare Coverage: Rideshare insurance is not available in all states.
- Low Customer Satisfaction: Customer satisfaction ratings are below average.
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#4 – Progressive: Best for Budget Shopping
Pros
- Specialized Coverages: Non-owner car insurance and SR-22 filings are available, catering to specific needs.
- Lowest DUI Rates: Offers the lowest rates for drivers with a DUI on their record, providing affordable options.
- Pet Injury Coverage: In most jurisdictions, Progressive will assist with veterinary fees if your pet sustains injuries in an automobile accident and you have collision insurance.
Cons
- Senior and Teen Rates: Rates are only okay for senior drivers and when adding a teen to a policy. Our complete Progressive review goes over this in more detail.
- Low Renewal Likelihood: Progressive ranked last in the subcategory of most likely to be renewed.
#5 – The Hartford: Best for Exclusive Benefits
Pros
- Exclusive Benefits: New car replacement is included with AARP auto insurance policies.
- AARP Discounts: Provides discounted insurance rates for AARP members. Learn more about The Hartford in our review of The Hartford auto insurance.
- High Customer Satisfaction: Above-average customer satisfaction ratings for auto insurance shopping.
Cons
- High Complaint Rate: More than the expected number of complaints for auto insurance policies.
- Expensive for Young Drivers: High rates for young drivers on a member’s policy.
#6 – Nationwide: Best for Usage-Based Rates
Pros
- Competitive Rates: Offers competitive rates for drivers after speeding tickets or accidents. Find out if Nationwide might have the lowest rates for you in our Nationwide auto insurance review.
- Extensive Coverage Options: Offers vanishing deductible, new car replacement, gap insurance, and optional accident forgiveness.
- Low Complaint Rate: Fewer complaints to state authorities about auto insurance than anticipated.
Cons
- Average Repair Process: Nationwide’s collision repair process is average, receiving a C rating from professionals.
- Poor Discount Ratings: Did not score well for discounts, offering fewer savings opportunities for policyholders.
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#7 – Farmers: Best for Various Discounts
Pros
- Various Discounts: Offers extensive coverage options that may not be available with other carriers.
- Low Complaint Rate: The National Association of Insurance Commissioners (NAIC) reports fewer consumer complaints about private passenger auto than usual.
- High Claims Satisfaction: Most survey respondents are satisfied with how claims were resolved. Take a look at our Farmers insurance company review to learn more.
Cons
- High Premiums: Premiums can be high in some states.
- Slow Roadside Assistance: Some customers complained about slow roadside assistance.
#8 – Allstate: Best for High-Mileage Savings
Pros
- High-Mileage Savings: Frequent drivers can benefit from Allstate’s focus on high-mileage savings
- Easy Policy Setup: High marks for the ease of opening a new policy. Find more information about Allstate’s rates in our review of Allstate insurance.
- User-Friendly Technology: Plug-in device is simple to use and easy to install.
Cons
- Device Issues: Charges for miles driven even if your device isn’t working correctly.
- Limited Eligibility for Discounts: While Allstate offers high-mileage savings, not all drivers may qualify for these discounts, potentially limiting the benefits for some policyholders.
#9 – USAA: Best for Customer Service
Pros
- Lowest Liability Rates: Offers the cheapest policies for liability-only coverage.
- Significant Savings: USAA is over 30% less than the national average. See details in our USAA auto insurance review.
- High Customer Satisfaction: Consistently receives high marks for customer service and claims handling.
Cons
- Limited Eligibility: Not available to everyone, as it is restricted to military members and their families.
- Higher DUI Rates: Not the cheapest option after a DUI.
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#10 – Geico: Best for Low Rates
Pros
- Affordable Rates: Rates below the national average in most categories, including for drivers with a speeding ticket or accident.
- Specialized Coverage: Offers non-owner policies and files SR-22s.
- Low Complaint Rate: Low level of auto insurance complaints. Learn more about Geico’s rates in our Geico auto insurance company review.
Cons
- Collision Claims Grade: Received only a C- grade by repair professionals for its collision claims process.
- No New Car Replacement: It doesn’t offer new car replacements.
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. Read more: Does car insurance cover hail damage?
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.Michelle Robbins Licensed Insurance Agent
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.
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.
Auto Insurance Monthly Rates by Coverage Level & Providers That Don’t Require Proof of Garaging
| Insurance Company | Full Coverage | Minimum Coverage |
|---|---|---|
| AAA | $185 | $75 |
| Allstate | $210 | $93 |
| Farmers | $200 | $85 |
| Geico | $135 | $58 |
| Nationwide | $170 | $70 |
| Progressive | $185 | $75 |
| State Farm | $145 | $65 |
| The Hartford | $195 | $83 |
| Travelers | $165 | $70 |
| USAA | $145 | $65 |
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.
Moving soon? 🏡Your address might not be the only thing changing! At https://t.co/27f1xf131D, we’re here to help you understand how changing locations can affect your auto insurance!🚙Find out more here 👉: https://t.co/2qUouyPADS pic.twitter.com/cXNERvDBL6
— AutoInsurance.org (@AutoInsurance) April 7, 2023
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.
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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:
Auto Insurance Monthly Rates by State & Coverage Level
| State | Minimum Coverage | Full Coverage |
|---|---|---|
| Alabama | $33 | $72 |
| Alaska | $45 | $86 |
| Arizona | $42 | $81 |
| Arkansas | $33 | $76 |
| California | $41 | $82 |
| Colorado | $43 | $82 |
| Connecticut | $54 | $96 |
| Delaware | $67 | $103 |
| 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 |
| Washington, D.C. | $52 | $111 |
| West Virginia | $41 | $85 |
| Wisconsin | $31 | $61 |
| Wyoming | $27 | $71 |
| U.S. 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 $65 for minimum coverage.
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 easily compare online auto insurance companies, 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.
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 auto insurance companies that do not require this documentation.
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.
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. You can find unbiased reviews of auto insurance companies on the BBB, A.M. Best, and J.D. Power.
Does Geico ask for proof of address?
Yes, Geico may ask for proof of address to verify your residence. This proof of address can be a utility bill, lease agreement, or other official documents. Providing proof of garaging address ensures accurate rate calculations based on where the vehicle is kept. Make sure to submit the required documents promptly to avoid any delays in processing your policy. For specific details, check with Geico directly.
Does car insurance ask for proof of address?
Yes, insurance companies often ask for proof of address. They may require a garaging address for car insurance to determine where your vehicle is primarily kept. This information helps calculate accurate premiums based on location-specific risks. Providing proof of address ensures that your policy details are correct. Always check with your insurer for specific documentation requirements.
Do insurance companies ask for proof of address?
Yes, insurance companies often ask for proof of address. For example, Geico may require Geico proof of address to verify your residence. This ensures accurate premium calculations based on your location. Providing proof of address helps maintain correct policy details. Check with your specific insurer to know the documents you need to get auto insurance.
How to get car insurance without a permanent address?
If you don’t have a permanent address, you can use the address of a friend you’re temporarily staying with for your car insurance. Since that’s where your vehicle will be parked, it can serve as your garaging address. Ensure you update your address with the insurance company once you move to a permanent home. This ensures your policy information remains accurate.
How do I get Progressive proof of garaging documents?
To obtain Progressive proof of garaging documents, you must provide evidence of where your vehicle is kept. This can include lease agreements, utility bills, or mortgage statements showing your address, among others. Contact Progressive directly to determine their specific requirements for progressive proof of garaging. Submit the required progressive garaging proof documents to your Progressive representative. Ensure all documents are current and accurately reflect your garaging address.
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
Read more: Liberty Mutual Auto Insurance Review
These companies provide flexible parking requirements, simplifying coverage for policyholders without garages.
How to prove garaging address
To prove your garaging address, you need to provide specific documents. Acceptable proof of garage address includes utility bills, current homeowners insurance summary, or tuition bill showing room and board, etc. These documents should clearly show your name and the address where your vehicle is kept.
What is a garaging address?
A garaging address is where you park your vehicle when not in use. It is used by insurance companies to calculate your premium based on the area’s risk factors. Typically, this is your home address.
What is proof of garaging address?
Proof of garaging address is documentation that verifies where your vehicle is parked when you’re not using it. The documentation is used for to calculate accurate auto insurance premiums.
How do I get Geico proof of residency documents?
You need to provide evidence of your address to obtain Geico’s proof of residency documents. Acceptable documents include utility bills, lease agreements, mortgage coupons, etc. These documents can also serve as Geico proof of garaging, showing where your vehicle is kept. Contact Geico for specific requirements and submit the necessary documents. Ensure all information is accurate and up-to-date.
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. Learn how insurance companies check driving records in our article.
What is garaging location?
Garaging location is where you keep your vehicle when it’s not in use. If you park at home every night, your home address is your garaging location. If you use a storage facility or a private lot, that location would be considered your garaging address.
Find your cheapest auto insurance quotes by entering your ZIP code below into our free comparison tool.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed 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.
