Best Car Insurance Companies That Don’t Report to the DMV in 2024 (Top 10 Providers)
State Farm, Progressive, and Allstate are the top choices for the best car insurance companies that don’t report to the DMV. With rates starting at $33 monthly, they offer flexible coverage options and competitive rates for high-risk drivers seeking reliable and affordable insurance.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
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UPDATED: Sep 29, 2024
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UPDATED: Sep 29, 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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Finding car insurance companies that refrain from reporting to the DMV upon policy cancellation is virtually impossible due to state regulations mandating such reporting within a 30-day period.
Our Top 10 Picks: Best Car Insurance Companies That Don’t Report to the DMV
| Company | Rank | Multi-Car Discount | Loyalty Discount | Best for | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 15% | 10% | Customer Service | State Farm |
 | #2 | 12% | 8% | Military Savings | Progressive |
 | #3 | 14% | 9% | Vanishing Deductible | Allstate |
 | #4 | 10% | 7% | Innovative Programs | Geico |
 | #5 | 13% | 8% | Local Agents | Amica |
 | #6 | 12% | 8% | Customizable Policies | USAA |
 | #7 | 11% | 7% | Multi-policy Discounts | Liberty Mutual |
 | #8 | 10% | 6% | Accident Forgiveness | Nationwide |
 | #9 | 12% | 7% | Online Convenience | Farmers |
 | #10 | 11% | 6% | Policy Options | Travelers |
These laws also safeguard drivers by necessitating insurers to notify policyholders before termination, typically allowing up to 20 days to secure new coverage. Compare car insurance options post-cancellation is crucial to securing the best rates, as lapses in coverage may elevate risk levels and subsequent premiums.
Explore further to understand the cost implications of policy cancellation and the reasons behind insurers’ adherence to DMV reporting regulations.
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#1 – State Farm: Top Overall Pick
Pros
- Extensive Coverage Options: State Farm offers a wide range of coverage options, allowing customers to tailor their policies to their specific needs.
- Strong Financial Stability: State Farm has a strong financial standing, providing confidence to policyholders that the company can meet its financial obligations.
- Local Agents: In our State Farm car insurance review, we highlight the company’s extensive network of local agents, providing personalized customer service and assistance.
Cons
- Higher Premiums: State Farm’s premiums can be higher compared to some other insurers, potentially impacting budget-conscious customers.
- Limited Discounts: While State Farm offers various discounts, the overall number may be fewer than some competitors.
#2 – Progressive: Best for Innovative Savings
Pros
- Innovative Discounts: Progressive provides innovative discounts, such as Snapshot, which tracks driving habits and offers potential savings based on individual performance.
- Easy Online Tools: Our Progressive car insurance review reveals the company’s commitment to user-friendly online tools for policy management, claims filing, and quote comparison.
- Name Your Price Tool: Progressive’s unique “Name Your Price” tool allows customers to set a budget, and the system finds coverage options that match.
Cons
- Average Customer Service: Some customers have reported average experiences with customer service, suggesting room for improvement.
- May Not be the Cheapest: While Progressive is known for competitive rates, it may not always be the absolute cheapest option.
#3 – Allstate: Best for Coverage Customization
Pros
- Feature-Rich Policies: Allstate offers feature-rich policies, including unique add-ons and coverage options for enhanced protection.
- Drivewise Program: Our Allstate car insurance review highlights how the Drivewise program rewards safe driving habits with potential discounts, promoting responsible behavior.
- Strong Financial Reputation: Allstate has a solid financial reputation, instilling confidence in its ability to fulfill claims and obligations.
Cons
- Higher Premiums: Allstate’s premiums can be on the higher side, potentially impacting cost-conscious customers.
- Limited Discounts: While Allstate provides various discounts, the overall number may be fewer compared to some competitors.
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#4 – Geico: Best for Budget-Friendly Assurance
Pros
- Affordable Rates: Geico is often recognized for offering competitive and affordable rates, making it an attractive option for budget-conscious customers.
- Wide Range of Discounts: The Geico car insurance review reveals an extensive list of discounts, enabling policyholders to maximize savings.
- User-Friendly Online Platform: Geico’s online platform is user-friendly, making it easy for customers to manage policies, file claims, and get quotes.
Cons
- Limited Coverage Options: Geico may have fewer coverage options compared to some other insurers, potentially limiting customization.
- Customer Service Challenges: While Geico offers 24/7 customer service, some customers have reported challenges with the claims process and assistance.
#5 – Amica: Best for Customer-Centric Excellence
Pros
- High Customer Satisfaction: Amica consistently receives high marks for customer satisfaction, indicating a strong commitment to customer service.
- Dividend Policy: Amica’s distinctive dividend policy refunds a portion of premiums to policyholders, providing potential savings. For more in-depth information, check out our detailed guide “Car Insurance Policyholder: Explained Simply.”
- Solid Financial Stability: Amica has a strong financial standing, assuring policyholders of its ability to fulfill financial obligations.
Cons
- Not Available Everywhere: Amica’s coverage may not be available in all states, limiting its accessibility to some customers.
- May Have Higher Premiums: While Amica emphasizes quality service, premiums may be higher compared to some budget-focused competitors.
#6 – USAA: Best for Military-Focused Service
Pros
- Exclusive to Military Members: USAA exclusively serves military members and their families, providing specialized coverage and discounts.
- Top-Rated Customer Service: USAA consistently receives top ratings for customer service, offering a high level of satisfaction.
- Financial Stability: USAA’s robust financial footing guarantees stability and dependability for its policyholders, as highlighted in our comprehensive USAA car insurance review.
Cons
- Limited Eligibility: USAA is only available to military members and their families, excluding the general public.
- May Lack Certain Coverage Options: Some customers may find that USAA lacks certain coverage options available from other providers.
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#7 – Liberty Mutual: Best for Comprehensive Coverage
Pros
- Customizable Policies: Liberty Mutual offers customizable policies, allowing customers to tailor coverage to their specific needs.
- 24-hour Claims Assistance: The insurer offers round-the-clock claims assistance, ensuring that support is accessible at all hours. This feature is highlighted in our comprehensive guide, Liberty Mutual car insurance review.
- Multi-Policy Discounts: Liberty Mutual offers discounts for bundling multiple policies, potentially leading to significant savings.
Cons
- Mixed Customer Service Reviews: Customer reviews on Liberty Mutual’s customer service are mixed, with both positive and negative experiences reported.
- May Have Higher Premiums: Some customers may find that Liberty Mutual’s premiums are higher compared to other providers.
#8 – Nationwide: Best for Nationwide Assurance
Pros
- Wide Range of Coverage Options: Nationwide provides a diverse range of coverage options, giving customers flexibility in choosing their policies.
- Vanishing Deductible Program: Our Nationwide car insurance discounts highlight how the Vanishing Deductible program offers policyholders the chance to gradually decrease deductibles by practicing safe driving habits.
- Member Resources: Nationwide offers various resources and tools to help customers understand insurance and make informed decisions.
Cons
- Average Customer Satisfaction: Some customers have reported average satisfaction with Nationwide’s customer service and claims handling.
- May Have Higher Premiums: Nationwide’s premiums may be higher for certain individuals or in specific regions.
#9 – Farmers: Best for Local Assurance
Pros
- An Extensive Network of Agents: Farmers have an extensive network of local agents, who provide personalized assistance and support.
- Wide Range of Discounts: The company offers a variety of discounts, allowing customers to maximize their potential savings.
- Diverse Coverage Options: Farmers car insurance review highlights how we cater to diverse coverage options, addressing various needs and preferences for our customers.
Cons
- Average Customer Satisfaction: Some customers have reported average satisfaction with Farmers’ customer service and claims processing.
- May Have Higher Premiums: Farmers’ premiums may be higher compared to some other insurers.
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#10 – Travelers: Best for Financial Confidence
Pros
- Multiple Policy Discounts: Travelers offer discounts for bundling multiple policies, providing potential cost savings.
- Strong Financial Standing: Our Travelers car insurance review reveal that the company is highly regarded for its strong financial standing, ensuring stability and reliability.
- The Diverse Range of Coverages: Travelers provides a diverse range of coverages, allowing customers to customize their policies.
Cons
- Customer Reviews: Customer reviews on Travelers’ service and claims experiences are mixed, indicating variability in satisfaction.
- May Have Higher Premiums: Some customers may find that Travelers’ premiums are on the higher side.
Comparing Car Insurance Companies That Don’t Report to the DMV When They Cancel a Policy
No, you can’t compare car insurance quotes from companies that don’t report to the DMV when they cancel a customer’s policy because insurance reports are required by state law.
Car Insurance Monthly Rates for Companies That Don’t Report to the DMV
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $61 | $160 |
| Amica | $46 | $151 |
| Farmers | $44 | $139 |
| Geico | $30 | $80 |
| Liberty Mutual | $68 | $174 |
| Nationwide | $44 | $115 |
| Progressive | $39 | $105 |
| State Farm | $33 | $86 |
| Travelers | $37 | $99 |
| USAA | $22 | $59 |
When it comes to car insurance, understanding the differences between full coverage and minimum coverage is crucial. State Farm offers a competitive minimum coverage at $86, providing essential protection while keeping costs reasonable. For those seeking broader protection, State Farm’s full coverage at $33 offers comprehensive benefits, striking a balance between affordability and extensive coverage.
Progressive stands out with a minimum coverage cost of $105, providing essential protection for budget-conscious individuals. Opting for Progressive’s full coverage at $39 ensures a higher level of security, combining comprehensive benefits with a moderate premium, catering to a wider range of coverage needs.
Allstate caters to diverse preferences, offering a minimum coverage option at $160, suitable for those prioritizing budget considerations. With a full coverage plan priced at $61, Allstate provides extensive protection, making it an ideal choice for drivers seeking comprehensive coverage without compromising on quality.
Among the top car insurance providers, State Farm stands out as a reliable coverage hub offering competitive rates and essential protection.
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When affordability is a priority, Geico emerges as a top contender with a low minimum coverage cost of $80. Geico’s full coverage, priced at $30, strikes a balance between cost and protection, making it an attractive option for those seeking a comprehensive yet budget-friendly insurance solution.
Drivers must carry minimum levels of liability car insurance coverage in order to drive in all but two states legally.
In Virginia and New Hampshire, where car insurance isn’t required, drivers still must prove they can afford the costs of a collision if they want to obtain a driver’s license and register their vehicle.
Since liability insurance is required to drive, insurance companies must submit coverage details to the DMV. This information is stored in an electronic database and used to track drivers’ registration and insurance coverage.
State insurance laws require all car insurance companies to update the DMV when they cancel a policy or start a new one, so you won’t find coverage from car insurance companies that don’t report it when they cancel a customer’s policy.
That doesn’t mean you can’t find affordable car insurance companies that do report to the DMV when they cancel a customer’s policy. Comparing car insurance quotes from at least three different providers in your area can help you find the best rates, no matter your insurance record.
Understanding Car Insurance Rates with a Canceled Policy
Car insurance companies will look into your driving and insurance records to determine if you’re eligible for coverage and how much your car insurance rates will cost.
Your insurance record typically includes any canceled policies, how many claims you’ve filed, and any lapses in coverage you may have had. More severe charges are included in this report if they apply, including insurance fraud.
A canceled policy can raise your car insurance rates, but the reason for termination will influence the cost of car insurance. Car insurance with a bad record will cost more.
For example, multiple DUIs and an SR-22 filing will cancel your car insurance and raise your rates significantly more than a policy that is canceled for non-payment.
If your car insurance is canceled because of speeding tickets or accidents, your rates can increase by $45 per month, on average.
When getting car insurance quotes with a canceled policy, most insurance companies will place you in a higher-risk class and charge higher rates.
These rates will vary based on where you live, so take a look at the table below to see how much car insurance rates increase for high-risk drivers by state:
High-Risk Car Insurance Monthly Rates by State
| State | High-Risk Rates | Clean Record Rates | Percent Increase |
|---|---|---|---|
| Alabama | $101 | $169 | 67% |
| Alaska | $99 | $148 | 49% |
| Arizona | $84 | $211 | 151% |
| Arkansas | $106 | $174 | 63% |
| California | $122 | $314 | 158% |
| Colorado | $91 | $138 | 52% |
| Connecticut | $133 | $216 | 62% |
| Delaware | $128 | $259 | 102% |
| Florida | $122 | $228 | 87% |
| Georgia | $101 | $164 | 63% |
| Hawaii | $92 | $259 | 182% |
| Idaho | $69 | $107 | 56% |
| Illinois | $83 | $131 | 59% |
| Indiana | $79 | $138 | 74% |
| Iowa | $78 | $112 | 43% |
| Kansas | $95 | $151 | 59% |
| Kentucky | $98 | $181 | 85% |
| Louisiana | $137 | $207 | 51% |
| Maine | $63 | $116 | 83% |
| Maryland | $105 | $118 | 12% |
| Massachusetts | $122 | $219 | 79% |
| Michigan | $191 | $528 | 176% |
| Minnesota | $106 | $215 | 104% |
| Mississippi | $102 | $159 | 57% |
| Missouri | $87 | $129 | 49% |
| Montana | $110 | $187 | 70% |
| National | $101 | $179 | 76% |
| Nebraska | $86 | $147 | 70% |
| Nevada | $93 | $141 | 52% |
| New Hampshire | $72 | $148 | 105% |
| New Jersey | $112 | $208 | 85% |
| New Mexico | $94 | $149 | 59% |
| New York | $111 | $179 | 60% |
| North Carolina | $70 | $267 | 284% |
| North Dakota | $114 | $179 | 57% |
| Ohio | $64 | $97 | 53% |
| Oklahoma | $117 | $205 | 75% |
| Oregon | $93 | $145 | 56% |
| Pennsylvania | $104 | $164 | 57% |
| Rhode Island | $176 | $292 | 65% |
| South Carolina | $88 | $131 | 48% |
| South Dakota | $90 | $127 | 41% |
| Tennessee | $105 | $183 | 75% |
| Texas | $118 | $189 | 60% |
| Utah | $78 | $123 | 57% |
| Vermont | $75 | $116 | 55% |
| Virginia | $71 | $118 | 67% |
| Washington | $90 | $145 | 62% |
| Washington DC | $136 | $201 | 48% |
| West Virginia | $128 | $210 | 64% |
| Wisconsin | $72 | $118 | 64% |
| Wyoming | $103 | $162 | 57% |
If you’ve received notice from your car insurance company that your policy will be canceled, it’s important to start shopping for new car insurance immediately to avoid a lapse in coverage.
Driving without car insurance is illegal, and you risk losing your license on top of increased rates if you’re caught behind the wheel without coverage.
However, insurance companies are also required to notify you before coverage is canceled. You will receive a letter by mail or email explaining why your coverage is canceled and giving you the exact date when your coverage will end.
Typically, you will have between 10-30 days to find new coverage. Take that time to shop around with multiple companies, especially if you’re worried about being in a higher-risk class and want to save money on car insurance.
To find the cheapest car insurance rates possible, start comparing quotes here for free. Enter your ZIP code below for free quotes from local car insurance companies today.
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Case Studies: Personalized Journeys With Top Car Insurers
A journey through personalized experiences with top car insurers. These case studies shed light on how individuals found the perfect match for their insurance needs, showcasing the diverse offerings of leading providers in the industry.
- Case Study #1 – Affordable Security: Alex, a safe driver with a commendable credit score, sought affordable security. Choosing State Farm, he discovered a reliable coverage hub fitting his budget and ensuring essential protection. With State Farm’s minimum coverage at $86, Alex secured peace of mind without compromising financial stability.
- Case Study #2 – Commuting Confidence: Sara, a high-mileage commuter valuing innovative savings solutions, found her match with Progressive. Offering a minimum coverage option at $105, Progressive enabled Sara to navigate her daily commute with confidence, aligning seamlessly with her budget-conscious mindset.
- Case Study #3 – Tailored Protection: Emily, facing credit challenges, turned to Allstate for customized coverage. Allstate, the leader in coverage customization, provided essential protection at a minimum coverage cost of $160. Opting for Allstate’s full coverage at $61, Emily ensured comprehensive benefits while navigating credit challenges.
These case studies illustrate the importance of personalized insurance solutions in meeting individuals’ unique needs. Whether it’s affordability, innovative savings, or tailored protection, top car insurers like State Farm, Progressive, and Allstate offer diverse options to ensure peace of mind on the road.
State Farm's commitment to affordability and essential protection is reflected in its high customer ratings, reaching an impressive 92% satisfaction level.
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Remember the importance of finding a provider that understands your needs. Whether you prioritize affordability, flexibility, or comprehensive coverage, there’s a car insurer out there tailored to you. Take the time to explore your options and find the perfect match for your peace of mind on the road.
In Summary: Unraveling the Complexities of Car Insurance
After a thorough examination of various car insurance companies, it’s clear that each has its strengths and weaknesses. From extensive coverage options to innovative savings solutions, the industry offers a plethora of choices to meet diverse needs. While some excel in affordability and essential protection, others prioritize customization and customer service.
However, amidst this array of options, one common thread emerges—the commitment to providing peace of mind on the road. With a focus on understanding individual preferences and delivering tailored solutions, these insurers strive to ensure that drivers find the perfect match for their insurance needs.
So, whether it’s affordability, flexibility, or comprehensive car insurance coverage, there’s a provider out there ready to cater to every driver’s unique requirements.
Stop overpaying for car insurance. Our free quote comparison tool allows you to shop for quotes from the top providers near you by entering your ZIP code below.
Frequently Asked Questions
How can I find the best cheap car insurance in Utah?
To find the best cheap car insurance in Utah, consider shopping around and comparing quotes from different insurance providers. Additionally, you can inquire about available discounts and special programs that may help lower your premiums.
For profound insights, refer to our comprehensive guide titled “Cheap Car Insurance” and unlock valuable information
What is the process for car insurance cancellation with the DMV?
Car insurance cancellation with the DMV typically involves the insurance company notifying the DMV when a policy is canceled. This is required by state laws to ensure that all drivers maintain continuous insurance coverage as mandated by the DMV.
Finding best car insurance quotes is easy. Just enter your ZIP code into our free comparison tool below to instantly compare quotes near you.
How does the DMV insurance update process work?
The DMV insurance update process usually involves insurance companies electronically updating the DMV database with policy information, including new policies, renewals, cancellations, and changes in coverage.
To enrich your understanding further, delve into our comprehensive handbook titled “How to Cancel Car Insurance: Step-by-Step,” providing you with valuable insights
What are the eligibility criteria for customers seeking car insurance?
Customers’ eligibility for car insurance depends on several factors, including their driving history, age, vehicle type, and location. Insurance companies assess these factors to determine the level of risk and appropriate premiums for each customer.
What is the best car insurance after the canceled policy?
The best car insurance after the canceled policy depends on various factors such as your driving record, location, and coverage needs. It’s essential to compare quotes from multiple insurers to find the most suitable option for you.
Does car insurance vary by state, and if so, how?
Car insurance does vary by state due to differences in regulations, minimum coverage requirements, and other factors. It’s essential to understand your state’s insurance laws and regulations when purchasing car insurance.
To delve deeper into this topic, consult our thorough guide titled “What is the minimum amount of liability car insurance coverage required?” to grasp the intricacies
Do insurance companies report to the DMV when canceling a policy?
Yes, insurance companies are required to report to the DMV when canceling a policy or making significant changes to a policyholder’s coverage. This helps the DMV ensure that all drivers maintain the required insurance coverage.
What is the procedure for an insurance company to report to the DMV?
Yes, insurance companies are required to report certain policy information to the DMV, such as policy cancellations, renewals, and changes in coverage. This helps the DMV track drivers’ insurance status and ensure compliance with state laws.
Get the minimum car insurance coverage you need to drive legally by entering your ZIP code into our free quote comparison tool below.
Can you provide an update on the Nevada car insurance loophole?
The Nevada car insurance loophole update refers to recent changes or developments in Nevada’s insurance laws or regulations that may impact car insurance coverage or requirements in the state. It’s essential to stay informed about any updates that may affect your coverage.
To broaden your understanding, explore our comprehensive resource on insurance coverage titled “auto insurance laws” and gain clarity on regulations
Which car modifications affect car insurance rates, and how? Additionally, what are the car insurance cancellation laws in West Virginia?
Certain modifications to your car, such as installing aftermarket parts or accessories, can affect your car insurance rates. Insurance companies may consider these modifications when determining premiums, as they can impact the vehicle’s value, safety, and risk of theft or accidents.
Additionally, car insurance cancellation laws vary by state, so it’s important to be aware of the specific regulations in your state regarding policy cancellations and their implications.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
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.
