10 Best Auto Insurance Companies That Don’t Require Vehicle Inspection in 2024
Progressive, State Farm, and Allstate are the best auto insurance companies that don't require a car inspection. Progressive is our top pick with monthly rates starting at $90. State laws have a big impact on inspections and regulations. If your state requires it, you can likely get an inspection for under $25.
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Brandon Frady
Licensed Insurance Producer
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
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UPDATED: Oct 25, 2024
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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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13,128 reviewsCompany Facts
Full Coverage for Vehicle Inspection
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Full Coverage for Vehicle Inspection
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17,760 reviews
11,413 reviewsCompany Facts
Full Coverage for Vehicle Inspection
A.M. Best Rating
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Pros & Cons
11,413 reviews
The best auto insurance companies that don’t require vehicle inspection are Progressive, State Farm, and Allstate. These companies offer outstanding coverage options, affordable prices, and excellent customer service.
Most states require some form of inspection, be it emissions or something more strict. For auto insurance companies that do ask for a car inspection, you most likely will need to have insurance before that inspection takes place.
Our Top 10 Picks: Best Auto Insurance Companies That Don’t Require Vehicle Inspection
| Company | Rank | Multi-Vehicle Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 10% | A+ | Online Convenience | Progressive |
 | #2 | 17% | B | Wide Coverage | State Farm |
 | #3 | 25% | A+ | Customizable Policies | Allstate |
 | #4 | 10% | A++ | Exceptional Service | USAA |
 | #5 | 25% | A | Comprehensive Coverage | Liberty Mutual |
 | #6 | 10% | A | Personalized Service | Farmers |
 | #7 | 13% | A++ | Enhanced Coverage | Travelers |
 | #8 | 20% | A | Family Discounts | American Family |
 | #9 | 20% | A+ | Policy Discount | Nationwide |
 | #10 | 25% | A++ | Broad Availability | Geico |
It’s wise to compare car insurance companies as it may lead to cheap auto insurance. Enter your ZIP code into our free quote tool to get an idea of what you can pay.
- Some companies will give you a policy without an inspection
- State laws have a big impact on inspections and regulations
- Some states may require an inspection once you have insurance
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#1 – Progressive: Top Pick Overall
Pros
- Non-Owner Insurance: Progressive offers policies for those who don’t own a car but still need coverage.
- Coverage Options: Progressive provides a wide selection of coverage, including pet injury protection and gap insurance. Learn more about Progressive’s coverage options in our Progressive auto insurance review.
- SR-22 Filings: Available for high-risk drivers who need to file an SR-22 form.
Cons
- Rate Increases: The Snapshot program can raise rates for some drivers based on their driving habits.
- Claim Process Rating: Received a grade of C from auto repair experts for its collision claim process.
#2 – State Farm: Best for Wide Coverage
Pros
- Customer Service: Strong survey responses for customer service indicate high satisfaction levels.
- Numerous Discounts: Offers discounts, including programs for safe driving and young drivers. Explore the full range of discounts in our detailed State Farm review.
- Travel Coverage: Generous rental car and travel expenses coverage is available.
Cons
- Higher Premiums: Higher-than-average sample premiums for adult drivers.
- No Gap Insurance: Doesn’t offer gap insurance for new car owners.
#3 – Allstate: Best for Customizable Policies
Pros
- Coverage Options: Includes accident forgiveness, new car replacement, and a safe-driving bonus every six months. Explore more about these coverage options in our comprehensive Allstate auto insurance review.
- Rideshare Insurance: Offers rideshare insurance in many states.
- Safe-Driving Bonus: Rewards safe driving with a bonus every six months.
Cons
- Expensive for High-Mileage Drivers: Premiums can be costly for those who drive a lot.
- Device Charges: Charges for miles driven even if the tracking device malfunctions.
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#4 – USAA: Best for Exceptional Service
Pros
- Affordable Rates: Offers competitive pricing for auto insurance. Learn more about their pricing in our detailed USAA auto insurance review.
- Highly-Rated Mobile App: Provides an excellent app for managing policies and claims.
- Excellent Customer Service: USAA is consistently rated highly for their customer service and claims handling.
Cons
- Limited Availability: SafePilot program is only available in 47 states.
- Membership Requirement: You must be a current or former military member, or a family member of one, to be eligible for USAA insurance.
#5 – Liberty Mutual: Best for Comprehensive Coverage
Pros
- Competitive Pricing: Liberty Mutual provides more affordable prices than rivals across several categories. Discover more about their pricing in our detailed Liberty Mutual auto insurance review.
- Comprehensive Coverage: Provides comprehensive coverage and add-on coverage options.
- Numerous Discounts: Numerous discounts are available to help save on premiums.
Cons
- Higher Premiums: Liberty Mutual’s premiums can be higher than some competitors.
- Customer Complaints: The company has received a higher-than-average number of complaints registered with the NAIC for auto insurance.
#6 – Farmers: Best for Personalized Service
Pros
- Many Discount Opportunities: Farmers offers a wide range of discounts to help lower your premiums.
- Low Complaint Rate: The company has fewer complaints than expected for its size, indicating good customer satisfaction.
- Coverage Options: Farmers provides a great selection of coverage options and add-ons to tailor your policy to your needs. See what Farmers offers in our Farmers review.
Cons
- Customer Complaints: Customers complain about their slow roadside assistance.
- Higher Premiums: Sample premiums are above the national average in all driver categories analyzed.
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#7 – Travelers: Best for Enhanced Coverage
Pros
- Affordable Rates: Travelers offers lower-than-average annual rates, providing cost-effective options for many drivers.
- Accident Forgiveness: Two accident forgiveness plans are available, helping to avoid premium increases after an accident.
- Variety of Coverage: Travelers provides a wide range of coverage options for auto insurance, allowing for personalized policies.
Cons
- Limited Rideshare Coverage: Rideshare insurance is not offered in most states, limiting options for rideshare drivers.
- Low Customer Ratings: Travelers has received low customer ratings on the BBB, indicating potential issues with customer satisfaction. See what customers have to say in our review of Travelers auto insurance.
#8 – American Family: Best for Family Discounts
Pros
- Affordable Policy Choices: American Family offers budget-friendly policy options, making it accessible for many drivers.
- Family Discounts: Offers a variety of discounts for families including multi-vehicle, teen driver, and good student discounts.
- Diverse Coverage Types: A wide variety of coverage options are available, allowing for personalized auto insurance plans.
Cons
- Limited Availability: Coverage is only offered in 19 states, restricting access for many potential customers. See if your state is covered in our detailed American Family auto insurance review.
- Poor Customer Reviews: Receives negative ratings from the Better Business Bureau (BBB) and Trustpilot.
#9 – Nationwide: Best for Policy Discount
Pros
- Policy Discount: Nationwide offers a unique policy discount called the “Vanishing Deductible” where your deductible decreases for every year of safe driving. Read our comprehensive Nationwide auto insurance review for more details.
- Bonus Features: Offers bonus features such as roadside assistance, accident forgiveness, and gap coverage.
- Accident Forgiveness: Offers optional accident forgiveness, gap insurance, new car replacement, and vanishing deductible.
Cons
- High DUI Rates: Costs for drivers with a DUI are higher compared to other competitors.
- Limited Availability: Doesn’t sell auto insurance policies in all states, restricting access for some customers.
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#10 – Geico: Best for Broad Availability
Pros
- Low Complaint Levels: Geico has fewer customer complaints, indicating good service.
- Competitive Rates: Known for offering car insurance rates that are significantly lower than the industry average. Learn more about Geico’s rates in our Geico auto insurance company review.
- High Policy Limits: Provides higher policy limits, giving customers more coverage options.
Cons
- Limited Local Agencies: Geico may have fewer physical locations, limiting in-person support options for customers.
- No Gap Insurance: Geico does not offer gap insurance
Auto Insurance Companies That Don’t Require a Car Inspection
Searching for which auto insurance companies that don’t require a car inspection near me?
Which car insurance companies near you that don’t require an inspection will vary depending on where you’re located in the country. Some insurers don’t bother at all with inspections while others will give you discounts if your car has no outstanding issues.
While it may depend on the insurer, the state you live in will also have specific laws regarding auto insurance and car inspections. Some of the states and their prices for inspection are:
- Hawaii: $25
- Maine: $13
- Massachusetts: $35
- New Jersey: $50
- Rhode Island: $55
In a number of states, it’s required for you to get a car inspection, and will likely cost you about a month’s worth of insurance premiums to do so.
Read more: What is the average auto insurance cost per month?
In the states that don’t require a car inspection, you’re likely to find almost any insurer will be willing to give you a policy without one.
In some of the states where an inspection is required, you’ll need to have the minimum amount of liability insurance. This will mean that you will likely be able to get an auto policy in those states without a formal vehicle inspection.
Car Insurance Inspection State Limitations
Currently, there are seven states that don’t require you to have a vehicle inspection of any kind. In these states, you can register and insure a vehicle without it ever having to be inspected. These states are:
- Alaska
- Arkansas
- Iowa
- Minnesota
- Montana
- South Carolina
- South Dakota
Learn more: South Dakota Auto Insurance
These states allow you to drive a vehicle without it ever having to be inspected by any agency. There are some exceptions and bills being put forth in legislation, but nothing concrete right now.
You Can’t Get Car Inspection Without Insurance
It’s important to make sure your car meets all the standards for the road to ensure your vehicle is compliant with the law. This will guarantee your safety as well as keeping you out of any jeopardy with the legal system.
Take a look at the table below to see monthly rates for vehicle inspection from our top companies.
Auto Insurance Monthly Rates by Coverage Level & Providers That Don’t Require Vehicle Inspection
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $85 | $155 |
| American Family | $85 | $155 |
| Farmers | $100 | $170 |
| Geico | $75 | $130 |
| Liberty Mutual | $95 | $165 |
| Nationwide | $95 | $165 |
| Progressive | $90 | $160 |
| State Farm | $80 | $150 |
| Travelers | $90 | $160 |
| USAA | $70 | $140 |
While you may want to make sure your car can pass inspection before it’s insured, that may not be how it works in your state.
In order to get a car inspection, you will at least need to have the minimum amount of liability insurance that is usable in your state.Scott W. Johnson Licensed Insurance Agent
It makes sense that an inspector would prefer you to have insurance during the inspection, as it’s required in most states, like Texas, to have minimum liability coverage. To get to the inspection service, you’ll need to drive on the road to get there. Find out the minimum auto insurance requirements in your state in our detailed guide.
You’ll need not only insurance and registration, but also proof of identification and money to pay for the inspection.
Insurance Coverage for an Uninspected Car
So, will insurance cover an uninspected car? It will depend on the insurer and state that you’re applying for a policy in. Some insurers will be more lenient on your vehicle but others will ask that you have your car inspected to make sure there are no unforeseen risks.
This can feel like an issue for those looking for an inspection, but the best bet would be to find a station that doesn’t require you to have car insurance before you take it in.
Does my car need to be registered to get insured? Yes, as the inspector needs to know who to relay the issues and progress reports to.
Why Car Inspections Are Needed
During a car inspection, the station will cover all the base necessities such as:
- Servicing Brakes
- Fixing Lighting
- Adjusting Tires
- Checking Computer Systems
- Emergency Equipment Checks
If there has been a recall or some other manufacturing defect in your car’s model, you’ll want them to go over everything to make sure no other defects or underlying issues go overlooked. Check out our list of the top five deadliest defects to see what could happen if your car goes uninspected.
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— AutoInsurance.org (@AutoInsurance) July 23, 2023
An inspection can be a great way to make sure your car doesn’t cause more financial trouble.
At the end of the inspection, you’ll have a much better idea of any issues with your car, as the inspector will give you a detailed list of what they were able to find over the course of your vehicle inspection.
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The Cost of a Car Inspection
This will also vary largely between states, with some states charging upwards of $50. Considering each state has different inspection requirements, it would make sense that the price for those would vary based on the services being done. The age of the vehicle also matters just like it does when it comes to car insurance prices. Learn more about how the age of your vehicle affects auto insurance rates in our comprehensive guide.
Government-based inspectors would be the best bet, but this comes with a lot of paperwork and wait times. Private mechanics might cost more, however. Doing the research on where you’re getting your inspection done should help narrow down your choices.
How Car Insurance Inspections Reduce Accidents
In the day to day of our lives, we can often forget to do the simple things. However, regular car maintenance is important to prevent accidents. A car inspection is sure to point out any potential red flags that could lead to more trouble down the line. Learn more: Best Auto Insurance for Regular Maintenance
An inspection can be especially useful on older cars that don’t have the same safety features as modern ones. Making sure the brakes and steering systems are in good shape will make up for the lack of advanced mechanics.
Overall, a vehicle inspection will help you stay ahead of any natural wear and tear that cars go through in their lifetime. Staying ahead of any potential issues will also save you money in the long run, money you’d spend on repairs.
Auto Insurance Companies That Don’t Require a Car Inspection: The Bottom Line
While the answer to whether you can find car insurance companies that don’t require a car inspection largely depends on your vehicle and location, it doesn’t mean that it wouldn’t benefit you any less.
Keeping your car tuned will ensure you don’t have to pay for more extensive repairs later on.
To find auto insurance quotes fast from companies that don’t require a car inspection, enter your ZIP code into our free quote tool to get an idea of what you can pay.
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Frequently Asked Questions
Do all auto insurance companies require a car inspection?
No, not all auto insurance companies require a car inspection. While some insurers may require a car inspection as part of their underwriting process, there are several reputable auto insurance companies that do not mandate a car inspection.
Which auto insurance companies are known for not requiring a car inspection?
Several auto insurance companies are known for not requiring a car inspection. Some examples of such companies include:
- Geico
- Progressive
- State Farm
- Allstate
- Liberty Mutual
- Nationwide
- Farmers Insurance
- Travelers
USAA is also known for not requiring vehicle inspections, but it is only available to military members and their families.
Are there any conditions or limitations to consider with these companies?
While these companies generally do not require a car inspection, there may be certain conditions or limitations to consider. For example, if you have a new vehicle or your vehicle meets certain criteria such as age or value, an inspection may still be required. Additionally, some companies may request photos or documentation to assess the condition of the vehicle. It’s important to review the terms and conditions of each policy and discuss any questions with the insurance provider.
Will not having a car inspection affect my coverage or premiums?
Not having a car inspection typically does not directly affect your coverage or premiums. However, insurance companies rely on accurate information about your vehicle to determine the appropriate coverage and premiums. Your car make, model, year, and condition are some of the factors that will affect your auto insurance rates.
Is it worth choosing an insurance company that doesn’t require a car inspection?
Choosing an insurance company that doesn’t require a car inspection can be convenient, especially if you prefer to avoid the hassle and potential delays associated with inspections. 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. Read more: Where to Compare Auto Insurance Rates
How can I find out if an insurance company requires a car inspection?
To find out if an insurance company requires a car inspection, 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 car inspections. Read our guide on how to find auto insurance agents in your area for more information.
Do I need insurance to get inspection?
If you’re wondering, can I get my car inspected without insurance? Or can you get an inspection without insurance? The answer is usually no. Make sure to have a valid insurance policy before scheduling your inspection. Always check your state’s specific requirements to be sure.
Can I get bike insurance without inspection?
Yes, you can usually obtain bike insurance without an inspection. Inspection is not typically required for bike insurance. However, the insurer may perform an inspection in certain situations, such as a lapse in your policy or significant damage from an accident. If you’re wondering, can I get an inspection without insurance? It depends on the insurance company’s policies and the specific circumstances. Always check with your insurer for their exact requirements.
Do you need insurance to get an inspection in Texas?
In Texas, you typically need proof of auto insurance to get an inspection. The state requires a current insurance policy before performing a car inspection for insurance purposes. Without valid Texas auto insurance, the inspection station cannot complete the process. Always ensure your insurance documents are up to date before scheduling an inspection.
Do you need insurance to get inspection sticker?
Yes, you need car insurance to get an inspection sticker. Most states require proof of insurance before performing a vehicle inspection. Therefore, to answer do you need car insurance to get an inspection sticker, the answer is generally yes. Make sure your insurance is valid and up-to-date before your inspection appointment.
What is an auto insurance photo inspection?
An auto insurance photo inspection is a process where car insurance photos are taken to document the current condition of your vehicle. This typically includes exterior and interior car insurance pictures. The purpose of a car insurance photo inspection is to verify the car’s condition before issuing or renewing a policy. This helps insurers identify pre-existing damage and prevent fraud.
Does Florida require a pre-insurance inspection?
Florida does not require a pre-insurance inspection for most vehicles. However, some insurance providers might request a Florida pre-insurance inspection to document the car’s condition. This car inspection insurance process helps insurers verify the vehicle’s state and prevent fraud. Always check with your insurance provider for specific requirements. You can learn more by reading our Florida auto insurance guide.
Which homeowners insurance companies don’t require inspection?
Several homeowners insurance companies offer policies without requiring an inspection. These home insurance no inspection options can vary by provider and location. It’s best to contact insurers directly to confirm their specific requirements. Some popular companies that might offer such policies include Lemonade Insurance and Geico Insurance. Always review the terms to ensure it meets your needs. Read our Lemonade auto insurance review for more information.
Where can I get a cheap car inspection?
You can often find cheap car inspections at local automotive repair shops, independent mechanics, or state inspection stations. Prices may vary depending on your location and the specific requirements for inspections in your area. It’s a good idea to compare prices and services offered by different inspection providers to find the most affordable option without compromising quality. Additionally, consider checking for any discounts or promotions available at these locations to reduce costs further.
Do you need insurance to pass inspection?
In many cases, insurance is necessary to pass a vehicle inspection, as both inspection stations and state laws often require it. Insurance is essential for legal driving in most states, and without it, passing the inspection may not be possible. Always ensure you have valid insurance before attempting a vehicle inspection to avoid complications.
Does insurance ask for pictures?
Yes, insurance companies may ask for pictures as part of the claims process. These pictures, often referred to as car insurance pictures, help document the damage to your vehicle. They provide visual evidence to support your claim and assist the insurance company in accurately assessing the extent of the damage. It’s essential to provide clear and comprehensive images to expedite the claims process. For more information, read our guide on where to get pictures of your vehicle taken for auto insurance. If you’re just looking for coverage to drive legally, enter your ZIP code below to compare cheap auto insurance quotes near you.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Brandon Frady
Licensed Insurance Producer
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Producer
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.
