Compare Best Car Insurance Companies That Don’t Report to the DMV When They Cancel a Customer in 2024 (Top 10 Providers)
Compare best car insurance companies that don't report to the DMV when canceling a customer, with prominent providers such as State Farm, Progressive, and Allstate. Evaluate their competitive rates, taking into account variables like credit score, mileage, and coverage options.
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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
UPDATED: Feb 12, 2024
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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.
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: Feb 12, 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.
On This Page
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
You won’t find any car insurance companies that don’t report to the DMV when they cancel a customer’s policy. State laws require providers to report any policy changes to the local department of motor vehicles within 30 days, but these requirements can vary by state.
Company | Rank | See Pros/Cons | Multi-Car Discount | Loyalty Discount | Best for |
---|---|---|---|---|---|
#1 | State Farm | Up to 15% | Up to 10% | Customer Service | |
#2 | Progressive | Up to 12% | Up to 8% | Military Savings | |
#3 | Allstate | Up to 14% | Up to 9% | Vanishing Deductible | |
#4 | Geico | Up to 10% | Up to 7% | Innovative Programs | |
#5 | Amica | Up to 13% | Up to 8% | Local Agents | |
#6 | USAA | Up to 12% | Up to 8% | Customizable Policies | |
#7 | Liberty Mutual | Up to 11% | Up to 7% | Multi-policy Discounts | |
#8 | Nationwide | Up to 10% | Up to 6% | Accident Forgiveness | |
#9 | Farmers | Up to 12% | Up to 7% | Online Convenience | |
#10 | Travelers | Up to 11% | Up to 6% | Policy Options |
Car insurance cancellation laws protect drivers by also requiring insurance companies to notify policyholders before coverage is canceled. Depending on where you live, you can have up to 20 days to find new coverage after your policy is canceled.
If your policy is canceled, it’s important to compare car insurance companies before you buy to find the best rates. A lapse in coverage raises your risk level with some providers, which can raise your rates.
Keep reading to learn how much car insurance costs with a canceled policy and why it’s impossible to find car insurance companies that don’t report to the DMV when they cancel a customer’s policy.
Ready to buy car insurance now? Enter your ZIP code above to compare car insurance quotes from local companies for free.
#1 – State Farm: Reliable Coverage Hub
Among the top car insurance providers, State Farm stands out as a reliable coverage hub offering competitive rates and essential protection.
Dani Best Licensed Insurance Producer
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: The company has a vast network of local agents, offering 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.
Read more: State Farm Car Insurance Review
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#2 – Progressive: Innovative Savings Solutions
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: The company offers 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.
Read more: Progressive Car Insurance Review
#3 – Allstate: Coverage Customization Leader
Pros
- Feature-rich policies: Allstate offers feature-rich policies, including unique add-ons and coverage options for enhanced protection.
- Drivewise program: 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.
Read more: Allstate Car Insurance Review
#4 – Geico: 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: Geico provides an extensive list of discounts, allowing 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.
Read more: Geico Car Insurance Review
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#5 – Amica: 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 unique dividend policy returns a portion of the premium to policyholders, offering potential savings.
- 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: 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 has a strong financial foundation, ensuring stability and reliability for its policyholders.
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.
Read more: USAA Car Insurance Review
#7 – Liberty Mutual: Comprehensive Coverage Partner
Pros
- Customizable policies: Liberty Mutual offers customizable policies, allowing customers to tailor coverage to their specific needs.
- 24-hour claims assistance: The company provides 24-hour claims assistance, ensuring support is available at any time.
- 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.
Read more: Liberty Mutual Car Insurance Review
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#8 – Nationwide: Nationwide Assurance Presence
Pros
- Wide range of coverage options: Nationwide provides a diverse range of coverage options, giving customers flexibility in choosing their policies.
- Vanishing deductible program: The Vanishing Deductible program offers the opportunity to reduce deductibles over time through safe driving.
- 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: Local Assurance Choice
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 provide diverse coverage options, catering to different needs and preferences.
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.
Read more: Farmers Car Insurance Review
#10 – Travelers: Financial Confidence Provider
Pros
- Multiple policy discounts: Travelers offer discounts for bundling multiple policies, providing potential cost savings.
- Strong financial standing: The company has a 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.
Read more: Travelers Car Insurance Review
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Can I compare 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.
Insurance Company | Full Coverage | Minimum Coverage |
---|---|---|
State Farm | $86 | $33 |
Progressive | $105 | $39 |
Allstate | $160 | $61 |
Geico | $80 | $30 |
Amica | $151 | $46 |
USAA | $59 | $22 |
Liberty Mutual | $174 | $68 |
Nationwide | $115 | $44 |
Farmers | $139 | $44 |
Travelers | $99 | $37 |
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.
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.
How much are 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:
State | Average Annual Rates | Average Annual Rates for High-Risk Drivers | Percent Increase |
---|---|---|---|
Alabama | $1,217 | $2,029 | 67% |
Alaska | $1,188 | $1,771 | 49% |
Arizona | $1,009 | $2,532 | 151% |
Arkansas | $1,277 | $2,087 | 63% |
California | $1,461 | $3,765 | 158% |
Colorado | $1,095 | $1,660 | 52% |
Connecticut | $1,597 | $2,592 | 62% |
Delaware | $1,538 | $3,113 | 102% |
Florida | $1,463 | $2,739 | 87% |
Georgia | $1,210 | $1,972 | 63% |
Hawaii | $1,104 | $3,112 | 182% |
Idaho | $822 | $1,279 | 56% |
Illinois | $990 | $1,570 | 59% |
Indiana | $950 | $1,651 | 74% |
Iowa | $939 | $1,345 | 43% |
Kansas | $1,141 | $1,816 | 59% |
Kentucky | $1,177 | $2,176 | 85% |
Louisiana | $1,645 | $2,488 | 51% |
Maine | $758 | $1,386 | 83% |
Maryland | $1,260 | $1,411 | 12% |
Massachusetts | $1,469 | $2,629 | 79% |
Michigan | $2,297 | $6,337 | 176% |
Minnesota | $1,270 | $2,584 | 104% |
Mississippi | $1,218 | $1,913 | 57% |
Missouri | $1,039 | $1,550 | 49% |
Montana | $1,321 | $2,249 | 70% |
National | $1,215 | $2,146 | 76% |
Nebraska | $1,035 | $1,759 | 70% |
Nevada | $1,113 | $1,696 | 52% |
New Hampshire | $865 | $1,776 | 105% |
New Jersey | $1,348 | $2,499 | 85% |
New Mexico | $1,125 | $1,787 | 59% |
New York | $1,336 | $2,144 | 60% |
North Carolina | $836 | $3,206 | 284% |
North Dakota | $1,365 | $2,143 | 57% |
Ohio | $763 | $1,165 | 53% |
Oklahoma | $1,405 | $2,461 | 75% |
Oregon | $1,110 | $1,737 | 56% |
Pennsylvania | $1,252 | $1,968 | 57% |
Rhode Island | $2,117 | $3,502 | 65% |
South Carolina | $1,055 | $1,566 | 48% |
South Dakota | $1,080 | $1,520 | 41% |
Tennessee | $1,256 | $2,193 | 75% |
Texas | $1,416 | $2,267 | 60% |
Utah | $935 | $1,472 | 57% |
Vermont | $900 | $1,392 | 55% |
Virginia | $849 | $1,415 | 67% |
Washington | $1,075 | $1,740 | 62% |
Washington DC | $1,628 | $2,406 | 48% |
West Virginia | $1,534 | $2,523 | 64% |
Wisconsin | $863 | $1,417 | 64% |
Wyoming | $1,237 | $1,945 | 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.
Case Studies: Personalized Journeys With Top Car Insurers
Case Study 1: State Farm Scenario – Road to Affordable Security
Meet Alex, a safe driver with a commendable credit score on a quest for affordable security. Turning to State Farm, Alex finds a reliable coverage hub that not only fits the budget but also ensures essential protection. With State Farm’s minimum coverage at $86, Alex secures peace of mind without compromising financial stability.
Case Study 2: Progressive Scenario – Commuting With Confidence
Sara, a high-mileage commuter, values innovative savings solutions and optimal coverage. Progressive becomes Sara’s go-to choice, offering a minimum coverage option at $105. This allows Sara to navigate her daily commute with confidence, knowing that essential protection is in place. The innovative approach of Progressive aligns seamlessly with Sara’s budget-conscious mindset.
Case Study 2: Allstate Scenario – Tailoring Protection for Emily
Emily, facing credit challenges, seeks a car insurance provider that understands her unique needs. Allstate steps in as the coverage customization leader, providing essential protection at a minimum coverage cost of $160. Recognizing the importance of tailored coverage, Emily opts for Allstate’s full coverage at $61, ensuring comprehensive benefits while navigating credit challenges.
Frequently Asked Questions
Why would I want to choose a car insurance company that doesn’t report to the DMV when canceling a customer?
Choosing a car insurance company that doesn’t report to the DMV when canceling a customer can be beneficial for several reasons. One of the main reasons is that it helps you avoid potential negative consequences such as increased premiums or difficulty in obtaining coverage in the future. When an insurance company reports a cancellation to the DMV, it can result in a mark on your driving record, which may affect your ability to secure affordable insurance rates in the future.
How do I find car insurance companies that don’t report to the DMV when canceling a customer?
Finding car insurance companies that don’t report to the DMV when canceling a customer can require some research. You can start by reviewing the policy terms and conditions or contacting insurance providers directly to inquire about their reporting practices. Additionally, you can seek recommendations from friends, family, or online forums where individuals discuss their experiences with different insurance companies.
Do all car insurance companies report to the DMV when canceling a customer?
No, not all car insurance companies report to the DMV when canceling a customer. Reporting practices can vary among insurance providers. Some companies choose not to report cancellations to the DMV as long as there are no legal or regulatory requirements compelling them to do so. It’s essential to review the terms and conditions of a policy or directly inquire with the insurance company to understand their specific reporting practices.
Are there any drawbacks to choosing a car insurance company that doesn’t report to the DMV when canceling a customer?
While there may be advantages to selecting an insurance company that doesn’t report to the DMV when canceling a customer, it’s important to consider potential drawbacks. One potential drawback is that if an accident occurs and the insurance company hasn’t reported the cancellation, the DMV may not be aware of the change in your coverage status. This could lead to complications when filing claims or potentially legal issues if you’re driving without the required insurance coverage.
Can a car insurance company change its reporting practices over time?
Yes, car insurance companies can change their reporting practices over time. Insurance companies regularly update their policies and procedures, which can include changes to their reporting practices to the DMV. To stay informed about any changes, it’s advisable to review your policy documents and communicate directly with your insurance provider to understand their current reporting practices.
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.