Best Auto Insurance Companies That Don’t Require a Car Inspection (2022)

If you’re looking for auto insurance companies that don’t require a car inspection, you might already be aware of the issues that need to be addressed. Auto insurance companies may require an inspection because of state law, or because the car has been in an accident. You can get rates from auto insurance companies that do require a car inspection as low as $20 a month.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Nov 23, 2021

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What You Should Know

  • Auto insurance inspections are required by some states
  • If required, you’ll have to go to the appropriate mechanic
  • Even if not required, an inspection can help you identify issues

In general auto insurance companies don’t require a car inspection. However, some states require a car inspection before a car can be insured and on the road legally. Also, some car insurance companies require an inspection after an accident.

Understanding auto insurance laws can help you get ahead of any trouble before it becomes an issue. We’ll explain why inspections are sometimes required and what you need to do to get insured.

Are you looking for rates from auto insurance companies that don’t require a car inspection? Enter your ZIP code into our free quote tool to see what you could pay.

What auto insurance companies don’t require an inspection?

Whether or not your auto insurance company requires an inspection will largely depend on where you live in the country. In some states, the government requires that a car be inspected.

Not only does each state’s laws vary, but so does the price of the inspection. Some inspections may cost less than your insurance rates, while some might be pricey. However, doing so may help you protect against any unforeseen problems before they become significant issues.

Insurers that don’t require inspections are much more able to give you instant auto insurance quotes.

Auto insurance companies that do require an inspection do so because they are required to by the state law. However, there are some companies that require inspections regardless of the law. That may be because the car has been in an accident or is old.

Can I get a car inspection without insurance?

There are 13 states don’t require vehicle inspections. These states include:

  • Alaska
  • Arkansas
  • Florida
  • Iowa
  • Michigan
  • Minnesota
  • Mississippi
  • Montana
  • North Dakota
  • South Carolina
  • South Dakota
  • Washington
  • Wyoming

Why these states don’t require vehicle inspections varies. Either way, just because you don’t need to get one doesn’t mean you shouldn’t have a used car inspected.

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Why does my insurance company want to inspect my car?

If your car insurer requires a pre-insurance vehicle inspection, it’s likely to ensure that they’re aware of any current damage to your vehicle. In addition, this can keep you from filing fraudulent claims.

Other essential factors to the car inspector will include:

  • Brakes
  • Tires
  • Lights
  • License
  • Mirrors

The inspection company will look over everything essential to drive on the road. Your insurer will want to know about any damages or malfunctioning systems, so you can expect the inspector to take his time examining your vehicle.

While this can be a frustrating experience, it is one that you maybe should be grateful for. Especially if you’ve bought a used car, a car insurance inspection can be a great tool to help you understand any minor issues with your vehicle before they amount to something dangerous.

What will show up during an auto inspection?

If you’re worried about something terrible showing up on your auto inspection, then you should fix it before you take the car to get looked at. If you fail your auto inspection, you may have to wait some time before you can go again.

Some of the issues that will cause you to fail your inspection include:

  • Faulty spark plugs
  • Blocked air filters
  • Leaking fluids
  • Dirty oil
  • Broken catalytic converters

Anything that puts your car in mechanical or electrical danger is a reason for your inspection to fail. You’ll need to fix these issues and attempt to get your vehicle inspection for insurance once the waiting period is over.

Why is it important to have my car inspected?

Car maintenance is probably the most important thing for drivers to remember. While road safety and defensive driving are essential, it doesn’t mean anything if your car won’t move. Getting a used car inspected can be a way to get ahead of any problems before they arise.

During a vehicle inspection, the inspector will make a list of any issues they noticed on your vehicle. That way you can fix any problems with your car before reapplying for the inspection.

Where can I get a car insurance inspection near me?

To get a car insurance inspection, you’ll need to go to a mechanic who is authorized to perform the inspection. Some of the places that you can get a state car inspection include:

  • State testing locations
  • Participating private mechanics
  • Car dealerships

If you’re purchasing a new car, you can likely get an inspection on the lot to submit to your insurer. In all other cases, you’ll probably have to decide whether you want to go to the state’s inspection facilities or a private mechanic who’s authorized to provide the service.

How much does a vehicle inspection cost?

Like most things, the cost of your vehicle inspection will largely depend on where you live in the country. According to various state government websites, such as the one for Arizona, the price can range from $9 to $20, depending on the services included.

Auto Insurers That Don’t Require Inspections: The Bottom Line

While you may want to find an auto insurer that doesn’t require inspections no matter where you live, the truth is that it depends on your state more than anything. That being said, there are plenty of states that don’t require inspections, and you may already live in one.

Do you need quotes for auto insurance companies that don’t require a car inspection? Enter your ZIP code into our free quote tool to see what you could pay.

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