can i get a new phone even if i don’t have insurance

If you're in the US and you have a fairly recent model, Apple has basically an unlimited "out of warranty" replacement price if it's damaged.

iPhone Repair - Official Apple Support

For instance, let's say an iPhone 6 is left on the roof of a car and then smashed. As long as it can be brought in, Apple will replace it for $299.

Your question doesn't make much sense? You can buy a phone from Apple and you are not required to have insurance.