Cheap Auto Insurance Companies That Don’t Ask for Proof of Garaging in 2024
If you're looking for auto insurance companies that don't require proof of garaging, you may be looking for coverage without a permanent address. This is difficult to acquire, but nonstandard auto insurance may be your best bet.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
UPDATED: Jan 24, 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 auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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: Jan 24, 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 auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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.
On This Page
- You may be able to find insurance with a company that does not want proof of garaging, but you likely won’t be able to buy comprehensive coverage
- You must have a permanent address to buy a car insurance policy
- Many companies offer discounts on coverage if you park your car in a garage overnight
If you’re searching for car insurance, you’re probably looking for an affordable policy that offers suitable types of coverage. There are plenty of ways to find cheap auto insurance in your area, but where you park your car could impact your rates.
Insurance companies are likely to offer lower rates to people who park their cars inside garages, as this poses less risk in terms of damage to the vehicle. But you should still be able to find cheap car insurance rates if you cannot garage your vehicle.
Which car insurance companies don’t ask for proof of garaging?
Finding an auto insurance company that allows you to purchase a policy without listing a permanent address will be difficult. In many instances, proof of garaging for insurance goes along with having a permanent address.
All insurance companies want to know your address. Your insurance provider may occasionally need to send you documents in the mail, but your address is also essential in deciding your car insurance rates.
If you are unable or unwilling to provide a permanent address to your insurance company, you may ultimately be too risky to cover. In this instance, only nonstandard or high-risk car insurance companies would be willing to take you on as a policyholder.
Some of the most popular nonstandard auto insurance providers in the U.S. include the following:
- Direct
- Kemper
- GAINSCO
- Dairyland
- The General
- Geico
- Progressive
- Safe Auto
- Infinity
- National General
- Hallmark
- Foremost
- Founders Insurance
- Titan
- Bristol West
One or more of the companies listed above may be willing to take you on as a client, even if you do not have a permanent address. But you can expect to pay higher-than-average rates for your policy. And you probably won’t be able to get more than liability coverage on your vehicle.
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Why do insurance companies ask for proof of garaging?
Proof of garaging is a way for insurance companies to assess your risk. Insurers consider several things when determining your car insurance rates, including the following:
- Age
- Gender
- Marital status
- ZIP code
- Car make and model
- Credit history
- Driving history
- Level of coverage
Proof of garaging is one of the ways insurance companies can help keep your insurance rates down. If you park your car in the garage at night or whenever you’re home, it is less likely to be vandalized or damaged in a hit-and-run or inclement weather.
Because the above factors can impact your car insurance rates, it’s tough to know how much you’ll pay for coverage until you shop online and compare quotes from multiple companies. Still, the table below shows each state’s average annual auto insurance rates.
Average Annual Auto Insurance Rates by State and Coverage Type
States Average Annual Liability Coverage Rates Average Annual Collision Coverage Rates Average Annual Comprehensive Coverage Rates Average Annual Full Coverage Coverage Rates
North Dakota $282.55 $252.21 $112.74 $741.11
South Dakota $289.04 $251.30 $110.12 $1,206.46
Iowa $293.34 $251.46 $230.65 $819.14
Wyoming $323.38 $270.48 $222.86 $816.71
Maine $333.92 $331.72 $146.77 $1,077.97
Idaho $337.17 $284.92 $117.98 $833.44
Vermont $340.98 $278.38 $118.31 $737.67
Kansas $342.33 $255.33 $130.15 $904.39
Nebraska $349.07 $293.78 $116.79 $1,057.63
North Carolina $357.59 $227.44 $227.64 $737.63
Wisconsin $359.84 $209.93 $126.34 $696.11
Indiana $372.44 $207.10 $171.58 $672.01
Alabama $372.57 $299.10 $146.28 $817.95
Ohio $376.16 $298.21 $201.56 $941.34
Arkansas $381.14 $304.87 $183.36 $869.37
Montana $387.77 $223.50 $206.24 $778.81
New Hampshire $393.24 $365.23 $123.18 $1,353.96
Tennessee $397.73 $290.39 $135.62 $823.74
Missouri $399.41 $254.90 $199.87 $842.54
Virginia $413.12 $264.70 $129.89 $807.71
Illinois $430.54 $237.19 $115.02 $724.65
Mississippi $437.38 $259.65 $166.34 $825.40
Minnesota $439.58 $302.96 $194.74 $935.08
Oklahoma $441.57 $212.47 $89.66 $855.57
Hawaii $458.49 $209 $110.78 $656.95
New Mexico $462.21 $358.45 $156.66 $1,300.09
California $462.95 $364.56 $99.29 $926.79
Utah $471.26 $254.41 $106.57 $832.24
Colorado $477.10 $263.36 $158.34 $898.79
Arizona $488.59 $259.31 $184.20 $932.10
Georgia $490.64 $297.75 $100.09 $856.33
Pennsylvania $495.02 $377.06 $122.17 $1,219.29
South Carolina $497.50 $200.10 $228.59 $717.73
Texas $498.44 $340.51 $186.70 $1,025.64
West Virginia $501.44 $319.10 $195.04 $1,015.57
Kentucky $518.91 $391.03 $208.59 $1,326.78
Alaska $547.34 $360.18 $141.08 $1,048.60
Oregon $553.43 $307.31 $132.01 $934.34
Washington $568.92 $250.13 $104.11 $923.16
Massachusetts $587.75 $383.21 $147.02 $1,252.27
Maryland $599.48 $358.68 $128.92 $1,075.35
District of Columbia $628.09 $449.27 $230.25 $1,307.62
Connecticut $633.95 $348.70 $126.02 $1,108.67
Nevada $647.07 $281.70 $103.03 $777.98
Rhode Island $720.06 $247.62 $165.38 $910.51
Michigan $722.04 $214.02 $173.04 $826.64
Louisiana $727.15 $249 $96.66 $679.56
Delaware $776.50 $296.60 $113.23 $1,186.33
New York $784.98 $264.58 $123 $745.17
Florida $845.05 $320.45 $153.61 $964.70
New Jersey $865.55 $267.48 $166.89 $896.58
Read more:
- Buy Cheap North Dakota Auto Insurance
- Buy Cheap South Dakota Auto Insurance
- Buy Cheap West Virginia Auto Insurance
If you choose liability coverage, you can expect to pay lower rates for your insurance. But your vehicle will not be protected if you’re in an accident or if the damage is from a non-accident-related incident.
And even with a liability-only policy, you will pay higher rates if you do not garage your vehicle. You might also not get coverage if you cannot provide a permanent address.
What is garaging misrepresentation?
If you lie about your garaging address, this is considered misrepresentation. Whether you misprinted the address on your paperwork, changed addresses during the length of your policy, or intentionally falsified your garaging location, garaging misrepresentation can be a big deal.
People who lie about their address do so to save money on their car insurance policy. For example, if you live in a bad part of town or a city with a high crime rate, you may be tempted to put a different address down as your garaging address.
But insurance companies don’t take this type of thing lightly. If you lie about where you park your car, you could have to pay high rates once your insurance company finds out. Your insurance company could also drop you as a policyholder for a breach of contract since you falsified information on your policy application.
In rare cases, you could face legal ramifications for lying about where you live or whether you park your car in a garage overnight.
Can drivers without a permanent address get car insurance?
You’ll find it difficult to get car insurance without a permanent address. As stated earlier, companies determine your insurance rates partly based on where you live. So not providing an address could make you a liability to an insurer.
Turning to a nonstandard company could be the best way to obtain coverage, but this will still cost you more money, and you can expect to get low coverage on your vehicle.
Avoid lying about your address on any car insurance application. It’s better to be turned down by a company and continue searching for coverage than to get in trouble for lying about your address and face the consequences.
Can I save money on auto insurance if I don’t park in a garage?
If you have a permanent address but don’t have a garage, you can still save money on your car insurance premiums.
Car insurance companies offer a variety of discounts on coverage, including the following:
- Accident-free
- Safe driving
- Defensive driver
- Telematics
- Military
- Alumni
- Safety devices
- Good student
- Homeowner
- Multi-policy
- Paid-in-full
- Paperless
Discounts can save you up to 20% on your car insurance policy, so speak to a representative from any insurance company you’re seriously considering to see whether you qualify.
You can also shop online and compare rates from multiple providers to save money on coverage. Comparing rates allows you to find the companies in your area that provide the coverage you need at a price that works with your budget.
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Car Insurance and Garaging: The Bottom Line
You need a permanent address to purchase car insurance. You may be able to get coverage through a nonstandard company if you do not have a permanent address, but you can expect low levels of coverage and higher-than-average rates.
You may pay lower rates if you park your car in a safe place overnight. But if you don’t have a garage, you may be able to save money on your car insurance through discounts and by shopping online to find the best rates.
Frequently Asked Questions
What is proof of garaging?
Proof of garaging is a document or evidence that demonstrates where your vehicle is primarily parked or stored when not in use, typically at your residence or a specific location. Insurance companies often request this information to assess the risk associated with insuring your vehicle.
Why do some insurance companies ask for proof of garaging?
Insurance companies may ask for proof of garaging to accurately determine the risk factors associated with insuring your vehicle. The location where your vehicle is parked or stored can affect the likelihood of theft, vandalism, or other potential risks, which can influence the insurance premiums.
Are there auto insurance companies that do not ask for proof of garaging?
Yes, there are some auto insurance companies that may not require proof of garaging. These companies may have different underwriting guidelines or policies that allow them to offer coverage without specifically asking for this documentation.
What are the advantages of choosing auto insurance companies that don’t require proof of garaging?
The main advantage is convenience. By not needing to provide proof of garaging, you can avoid the hassle of collecting and submitting additional documentation. This can save time and effort during the insurance application process.
Can I find cheap auto insurance companies that don’t ask for proof of garaging?
Yes, it is possible to find cheap auto insurance companies that don’t ask for proof of garaging. However, it’s important to note that insurance premiums are determined by various factors, such as your driving history, age, location, and the type of vehicle you own. The absence of proof of garaging requirement does not guarantee the cheapest rates, but it can simplify the application process.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
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.