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My boyfriend and I have been overseas as contractors for the last five years, and haven't had active insurance. We both just purchased vehicles, and needed insurance. My BF went with USAA, and I ultimately chose GEICO because they offered me the best rate, and took into account my situation. Even after getting insured for 6 months with them, I shopped around, and they still offered the best rate, with increased coverage! My BF switched too when we found out that we could save over 100.00 on his semi-annual policy from USAA (they couldn't beat it). If you have not had active car insurance because you've been working overseas, GEICO is the way to go! I would definitely recommend them as a start-off point until you get established again.