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No Prior Coverage
No Prior Coverage

Need car insurance with no prior coverage?

If you’ve never had auto insurance before, you may still have coverage options available. Whether you’re a first-time driver or returning to the road, we help you understand your next steps.

Secure online quote process. Same-day coverage may be available.
Get a Quote
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Or, Call (833) 855-3770
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Sun Coast Helps Drivers

We help drivers getting started with auto insurance

Starting fresh is possible. The key is getting active coverage in place and building a continuous insurance history.
Have never carried auto insurance before
First-time drivers can explore available coverage options based on eligibility.
Are buying their first vehicle
Active insurance is typically required before registering or financing a vehicle.
Were previously uninsured
Even after a gap in coverage, you may still have options available.
Are returning to driving after a long break
If you haven’t driven or carried insurance in years, you can still begin building coverage history again.
About Auto Insurance

What does “no prior insurance” mean?

Insurance companies often consider your history of continuous coverage when determining eligibility and pricing. While rates may differ from someone with long-term continuous coverage, options may still be available depending on eligibility.

If you’ve never had coverage before, insurers may:
Review your driving history more closely
Without prior insurance history, insurers may rely more heavily on your driving record when evaluating eligibility. Tickets, accidents, and the length of time you’ve been licensed may play a larger role in determining available options.
Offer different pricing tiers
Drivers without a history of continuous coverage may fall into different rating categories. While pricing may vary compared to someone with long-term coverage, options may still be available depending on your full profile.
Limit certain coverage options
In some cases, insurers may restrict specific coverages — such as comprehensive or higher liability limits — until a history of continuous insurance has been established. Availability depends on underwriting guidelines.
We’re here to help

How the process works

Getting Auto Insurance is easy with Sun Coast General Insurance.
Get a Quote
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Or, Call (877) 240-4678
Se habla español
Start Your Quote
Complete the secure online form with accurate information.
Review Coverage Options
See insurance options based on eligibility and underwriting guidelines.
Activate your policy
If eligible, you can bind coverage and receive proof of insurance. Insurance ID cards may be available immediately after binding.
Coverage Details

Why starting coverage now matters

The sooner you begin active coverage, the sooner you begin building that history.

Establishing active insurance coverage helps:
Build a history of continuous coverage
Many insurers consider the length of time you’ve maintained active insurance when determining future eligibility and pricing.
Avoid penalties for driving uninsured
Driving without required coverage may result in fines, registration issues, or other state penalties.
Meet state minimum requirements
Auto insurance is required in most states to legally operate and register a vehicle.
Stabilize future insurance options
Maintaining continuous coverage may expand available policy options and rating tiers over time.
Support

Got questions?

We have answers for you on all things insurance.
Is insurance more expensive with no prior coverage?
Rates vary depending on driving history, location, vehicle, and coverage limits. Drivers without prior coverage may see different pricing than those with continuous history.
Can I get insurance the same day?
Coverage activation may be available the same day depending on eligibility and underwriting approval.
Will I need an SR-22 if I never had insurance?
An SR-22 is typically required only after certain violations or court orders, not simply for lacking prior coverage.
Does being uninsured affect my license?
Driving without insurance can result in penalties depending on state laws. Securing active coverage helps prevent further issues.
How can I lower my rate as a new driver?
Maintaining continuous coverage, driving safely, and reviewing available coverage options may help over time.
Reviews

See What Our Customers Are Saying

From excellent discounts to optional 24/7/365 support when you need it, there are many reasons to choose Sun Coast Auto Insurance.
“Great rates. Flawless transaction best rates I found!”
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CJ
Sun Coast Customer
“The representative Nancy is amazing. She walked me through the process and helps me still if I question anything”
Icon of Amber
Amber
Sun Coast Customer
“Their insurance rates are much lower and my deductible is even lower. Customer service is always super helpful and ready to accommodate! I highly recommend Sun Coast General Insurance!”
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Chelsea M.
Sun Coast Customer
“They've been the cheapest I've found for years.”
Icon of Shantell
Shantell
Sun Coast Customer
“Great rates. Flawless transaction best rates I found!”
Icon of CJ
CJ
Sun Coast Customer
“The representative Nancy is amazing. She walked me through the process and helps me still if I question anything”
Icon of Amber
Amber
Sun Coast Customer
“Their insurance rates are much lower and my deductible is even lower. Customer service is always super helpful and ready to accommodate! I highly recommend Sun Coast General Insurance!”
Icon of Chelsea
Chelsea M.
Sun Coast Customer
“They've been the cheapest I've found for years.”
Icon of Shantell
Shantell
Sun Coast Customer

Ready to move forward?

If you’ve never had auto insurance before, the first step is seeing what coverage options may be available.

Secure online process. Coverage options vary based on eligibility and underwriting guidelines.
Get a Quote
Or, Call (877) 240-4678
Sun Coast General Insurance logo
Any Questions?
Get in touch! We’re here to help.
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Call for a Quote:
(877) 240-4678
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Existing Customer? Call us:
(800) 300-8838
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Copyright Sun Coast General Insurance Agency, Inc. |  PO Box 30750, Laguna Hills, CA 92654-0750
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Sun Coast General Insurance Agency, Inc. is a wholesale insurance agency and authorized program administrator for several insurance companies authorized to sell in Arizona, Alaska, California, Colorado, Florida, Hawaii, Nevada, Oregon, Texas, Utah and Washington. We provide consumers with online, phone, and in-person insurance services through our insurance company and independent agent relationships.
Sun Coast offers all of it's products through independent insurance agents. If you would like to speak with a local independent insurance agent near you, please call (800) 300-8838 and one of our representatives will put you in contact with an authorized Sun Coast producer.