Get Free, Cheap Car Insurance Quotes Online (December 2020)

Get Free, Cheap Car Insurance Quotes Online (December 2020)

You could save thousands of dollars annually on auto insurance by getting free, instant quotes online. We'll help you compare cheap rates from trusted insurers near you.

Get Free Quotes Now

comparison shopping on phone

Not all auto insurers are alike. Depending on the car insurance company, you may receive policy quotes that differ by thousands of dollars annually. A driver, for example, could get a quote costing $36 per month by one carrier and $123 per month by another for the exact same policy.

Our car insurance analysis of hundreds of thousands of quotes collected across the country shows that getting multiple car insurance quotes is often the best way to find affordable rates.

We'll explain:

To estimate your rates and start comparing free quotes, try our car insurance coverage calculator below. Otherwise, read on for more tips on finding cheap auto insurance quotes near you.

Use our tool to get a rough estimate of the cost of car insurance in your state based on averages of thousands of quotes.

Your car insurance needs might change if you experience a life event, such as a move, or if you finish paying off a financed vehicle. You should regularly review your auto insurance coverage to determine if you need to increase your policy or if you're paying for unnecessary coverage.

Car Insurance Coverage Calculator

Our tool takes the guesswork out of finding insurance coverages.

Image

We'll show you the average cost of our recommendation, or the cost of a policy you customize yourself.

First, let’s see what the minimum coverage requirements are in your state.

{"backgroundColor":"ice","content":"\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"full pad-none align-left clearfix\"\u003E\n\u003Cdiv class=\"half pad align-left clearfix\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EUse our tool to get a rough estimate of the cost of car insurance in your state based on averages of thousands of quotes.\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003EYour car insurance needs might change if you experience a life event, such as a move, or if you finish paying off a financed vehicle. You should regularly review your auto insurance coverage to determine if you need to increase your policy or if you're paying for unnecessary coverage.\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"half pad align-left clearfix\"\u003E\n\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-AutoInsuranceEstimator\" data-component-name=\"AutoInsuranceEstimator\"\u003E\n \u003Cdiv class=\"AutoInsuranceEstimator--root\"\u003E\u003Cdiv class=\"AutoInsuranceEstimator--container\"\u003E\u003Cdiv class=\"AutoInsuranceEstimator--content\"\u003E\u003Cdiv class=\"AutoInsuranceEstimatorStep1--root\"\u003E\u003Cdiv class=\"AutoInsuranceEstimatorStep1--container\"\u003E\u003Cdiv class=\"AutoInsuranceEstimatorTitle--root\"\u003E\u003Cdiv class=\"AutoInsuranceEstimatorTitle--container\"\u003E\u003Cp class=\"AutoInsuranceEstimatorTitle--title\"\u003ECar Insurance Coverage Calculator\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"AutoInsuranceEstimatorStep1--top-section\"\u003E\u003Cp class=\"AutoInsuranceEstimatorStep1--title\"\u003EOur tool takes the guesswork out of finding insurance coverages.\u003C\/p\u003E\u003Cimg alt=\"Image\" class=\"Image--root AutoInsuranceEstimatorStep1--hero-image lazyload\" data-src=\"\/\/res.cloudinary.com\/value-penguin\/image\/upload\/dpr_1.0,f_auto,q_auto,w_1000\/static\/category\/offer-wall-auto\" data-srcset=\"\/\/res.cloudinary.com\/value-penguin\/image\/upload\/dpr_1.0,f_auto,q_auto,w_1000\/static\/category\/offer-wall-auto 1x, \/\/res.cloudinary.com\/value-penguin\/image\/upload\/dpr_2.0,f_auto,q_auto,w_1000\/static\/category\/offer-wall-auto 2x\" src=\"\/\/res.cloudinary.com\/value-penguin\/image\/upload\/dpr_2.0,f_auto,q_auto,w_1000\/e_blur:1000,q_1,f_auto\/static\/category\/offer-wall-auto\"\/\u003E\u003Cp class=\"AutoInsuranceEstimatorStep1--description\"\u003EWe'll show you the average cost of our recommendation, or the cost of a policy you customize yourself.\u003C\/p\u003E\u003C\/div\u003E\u003Cdiv class=\"AutoInsuranceEstimatorStep1--bottom-section\"\u003E\u003Cp class=\"AutoInsuranceEstimatorStep1--dropdown-description\"\u003EFirst, let\u2019s see what the minimum coverage requirements are in your state.\u003C\/p\u003E\u003Cdiv class=\"InputDropdown--root \"\u003E\u003Cdiv class=\"InputDropdown--field\"\u003E\u003Cselect aria-label=\"Select\" class=\"InputDropdown--select\" name=\"\"\u003E\u003Coption selected=\"\" value=\"AL\"\u003EAlabama\u003C\/option\u003E\u003Coption value=\"AK\"\u003EAlaska\u003C\/option\u003E\u003Coption value=\"AZ\"\u003EArizona\u003C\/option\u003E\u003Coption value=\"AR\"\u003EArkansas\u003C\/option\u003E\u003Coption value=\"CA\"\u003ECalifornia\u003C\/option\u003E\u003Coption value=\"CO\"\u003EColorado\u003C\/option\u003E\u003Coption value=\"CT\"\u003EConnecticut\u003C\/option\u003E\u003Coption value=\"DE\"\u003EDelaware\u003C\/option\u003E\u003Coption value=\"DC\"\u003EDistrict Of Columbia\u003C\/option\u003E\u003Coption value=\"FL\"\u003EFlorida\u003C\/option\u003E\u003Coption value=\"GA\"\u003EGeorgia\u003C\/option\u003E\u003Coption value=\"HI\"\u003EHawaii\u003C\/option\u003E\u003Coption value=\"ID\"\u003EIdaho\u003C\/option\u003E\u003Coption value=\"IL\"\u003EIllinois\u003C\/option\u003E\u003Coption value=\"IN\"\u003EIndiana\u003C\/option\u003E\u003Coption value=\"IA\"\u003EIowa\u003C\/option\u003E\u003Coption value=\"KS\"\u003EKansas\u003C\/option\u003E\u003Coption value=\"KY\"\u003EKentucky\u003C\/option\u003E\u003Coption value=\"LA\"\u003ELouisiana\u003C\/option\u003E\u003Coption value=\"ME\"\u003EMaine\u003C\/option\u003E\u003Coption value=\"MD\"\u003EMaryland\u003C\/option\u003E\u003Coption value=\"MA\"\u003EMassachusetts\u003C\/option\u003E\u003Coption value=\"MI\"\u003EMichigan\u003C\/option\u003E\u003Coption value=\"MN\"\u003EMinnesota\u003C\/option\u003E\u003Coption value=\"MS\"\u003EMississippi\u003C\/option\u003E\u003Coption value=\"MO\"\u003EMissouri\u003C\/option\u003E\u003Coption value=\"MT\"\u003EMontana\u003C\/option\u003E\u003Coption value=\"NE\"\u003ENebraska\u003C\/option\u003E\u003Coption value=\"NV\"\u003ENevada\u003C\/option\u003E\u003Coption value=\"NH\"\u003ENew Hampshire\u003C\/option\u003E\u003Coption value=\"NJ\"\u003ENew Jersey\u003C\/option\u003E\u003Coption value=\"NM\"\u003ENew Mexico\u003C\/option\u003E\u003Coption value=\"NY\"\u003ENew York\u003C\/option\u003E\u003Coption value=\"NC\"\u003ENorth Carolina\u003C\/option\u003E\u003Coption value=\"ND\"\u003ENorth Dakota\u003C\/option\u003E\u003Coption value=\"OH\"\u003EOhio\u003C\/option\u003E\u003Coption value=\"OK\"\u003EOklahoma\u003C\/option\u003E\u003Coption value=\"OR\"\u003EOregon\u003C\/option\u003E\u003Coption value=\"PA\"\u003EPennsylvania\u003C\/option\u003E\u003Coption value=\"RI\"\u003ERhode Island\u003C\/option\u003E\u003Coption value=\"SC\"\u003ESouth Carolina\u003C\/option\u003E\u003Coption value=\"SD\"\u003ESouth Dakota\u003C\/option\u003E\u003Coption value=\"TN\"\u003ETennessee\u003C\/option\u003E\u003Coption value=\"TX\"\u003ETexas\u003C\/option\u003E\u003Coption value=\"UT\"\u003EUtah\u003C\/option\u003E\u003Coption value=\"VT\"\u003EVermont\u003C\/option\u003E\u003Coption value=\"VA\"\u003EVirginia\u003C\/option\u003E\u003Coption value=\"WA\"\u003EWashington\u003C\/option\u003E\u003Coption value=\"WV\"\u003EWest Virginia\u003C\/option\u003E\u003Coption value=\"WI\"\u003EWisconsin\u003C\/option\u003E\u003Coption value=\"WY\"\u003EWyoming\u003C\/option\u003E\u003C\/select\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"AutoInsuranceEstimatorStep1--button-container\"\u003E\u003Cbutton aria-label=\"Get Started\" class=\"Button--root Button--primary Button--fluid Button--square\" type=\"submit\" value=\"Get Started\"\u003EGet Started\u003C\/button\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"AutoInsuranceEstimator\"\u003E{\"defaultStateCode\":\"AL\",\"description\":\"Our tool takes the guesswork out of finding insurance coverages.\",\"heroImage\":\"static\\\/category\\\/offer-wall-auto\",\"mongoGatewayEndpoint\":\"https:\\\/\\\/mongogateway.valuepenguin.com\\\/api\\\/mongogateway\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/div\u003E\n","padding":"normal"}

Use our tool to get a rough estimate of the cost of car insurance in your state based on averages of thousands of quotes.

Car Insurance Coverage Calculator

Our tool takes the guesswork out of finding insurance coverages.

Image

We'll show you the average cost of our recommendation, or the cost of a policy you customize yourself.

First, let’s see what the minimum coverage requirements are in your state.

Your car insurance needs might change if you experience a life event, such as a move, or if you finish paying off a financed vehicle. You should regularly review your auto insurance coverage to determine if you need to increase your policy or if you're paying for unnecessary coverage.

icon of insurance policy

What is a car insurance quote?

  • The estimated price of your auto insurance policy from a carrier, based on the personal information you provide
  • A good predictor of your annual premium for any particular insurance company

However, your final rate can change once your carrier receives all the necessary information from you, including your vehicle type, driving history and other factors.

How do car insurance quotes work?

Many factors go into determining your car insurance quote. We break down a few of the variables that insurance companies use to estimate your quotes.

How age affects car insurance quotes

Age is one of the most important variables insurers use to price car insurance quotes.

For auto insurance companies, age indicates driving experience and risk. Older drivers are typically perceived as less likely to be involved in an accident and file a claim.

Auto insurance quotes are usually most costly for younger and new drivers that have less experience on the road. Quotes will typically level off around 30 years old and increase much later in life when drivers become seniors, particularly after age 70. Seniors at this age are seen by insurers as slightly higher-risk drivers, but still not as high risk as new drivers in their teens and early twenties.

Annual full coverage car insurance quotes by age

This graph shows average car insurance quotes for a selection of ages from 18 to 30

How gender impacts automobile insurance quotes

Car insurance is typically more expensive for men relative to women. Differences in quotes are typically larger among younger, new drivers in their teens, and often the gap between men and women narrows significantly throughout their early to mid 20s.

Quote disparities are largely due to how insurers evaluate risk, as historical data has shown that young men more often engage in risky driving behavior than young women.

Some states and municipalities, however, prohibit carriers from using gender in the auto insurance quotation process. These include California, Hawaii, Massachusetts, Montana, North Carolina, Pennsylvania and parts of Michigan. Drivers of any gender should receive similar car insurance quotes in these locations, all else being equal.

Annual full coverage car insurance quotes by gender

AgeMaleFemaleDifference
18$7,561$6,79711%
19$6,311$5,73210%
20$5,590$5,07610%
21$4,647$4,2589%
22$4,274$3,9837%
23$3,965$3,7167%
24$3,702$3,4936%
25$3,247$3,1673%

How marital status affects auto insurance quotes

Single drivers typically pay more for auto insurance than married couples. Insurers tend to view married drivers as more financially stable and risk averse, and therefore charge them lower quotes than single drivers.

In the ten most populous U.S. states, single drivers tended to pay $110 more per year for auto insurance than married drivers. Among these, Georgia had the biggest difference in rates, with single drivers paying $207 more per year than married drivers

Notably, our analysis also found that insurers tend to treat divorced drivers the same as single drivers, pricing nearly equivalent quotes for these groups. Insurers were more varied in their approach to quoting widowed drivers. Typically, widowed drivers see some discount relative to single and divorced drivers but still pay slightly more than married drivers on average.

Annual full coverage car insurance quotes by marital status

StateSingleDivorcedWidowedMarried
CA$1,779$1,779$1,719$1,656
FL$3,111$3,111$3,108$3,018
GA$3,224$3,242$3,147$3,017
IL$2,328$2,302$2,223$2,132
MI$9,541$9,541$9,509$9,485
NC$1,366$1,366$1,366$1,385
NY$2,805$2,805$2,737$2,737
OH$1,712$1,712$1,685$1,635
PA$1,785$1,785$1,717$1,667
TX$2,258$2,258$2,040$2,075
Average$2,991$2,990$2,925$2,881

How location influences vehicle insurance quotes

Car insurance is regulated at the state level, so auto insurance quotes often vary drastically depending on where you live.

Furthermore, accidents are more likely to happen in dense, urban areas, so drivers in large cities often get higher quotes than people in rural communities.

What's your rate?

Annual full coverage car insurance quotes by state, from cheapest to most expensive

RankStateAnnual premium
1ME$1,268
2HI$1,340
3NC$1,434
4IA$1,482
5IN$1,489
6VA$1,498
7AK$1,502
8WI$1,590
9OH$1,688
10WA$1,691
11VT$1,769
12ID$1,777
13CA$1,804
14TN$1,821
15MA$1,866
16ND$1,979
17NH$2,004
18SC$2,013
19PA$2,018
20NE$2,038
21AL$2,078
22WY$2,118
23WV$2,131
24KS$2,190
25NM$2,194
26OR$2,205
27MS$2,208
28AR$2,213
29MN$2,271
30IL$2,313
31SD$2,338
32MD$2,431
33DE$2,513
34MT$2,525
35UT$2,538
36MO$2,584
37TX$2,594
38GA$2,619
39CT$2,619
40OK$2,659
41AZ$2,699
42NY$2,752
43DC$2,793
44NJ$3,013
45CO$3,164
46NV$3,190
47FL$3,370
48KY$3,418
49LA$3,525
50RI$3,847
51MI$8,723
Rates are for a full coverage policy as detailed in our methodology at the bottom of the page.

How credit score impacts car insurance quotes

Insurance companies often use drivers' credit scores to determine quotes. Drivers with excellent or good credit are typically seen as less risky to insure than drivers with poor or no credit. As a result, drivers with better credit tend to receive cheaper quotes relative to drivers with poor credit, all else being equal.

Our analysis found that for minimum coverage policies, drivers with good credit receive quotes that are 35% less expensive than those with poor credit.

Some states — California, Massachusetts and Hawaii — have banned the practice of using credit scores in determining insurance quotes, and a few others are considering adopting similar legislation. In these states, your credit score should not influence your auto quote.

Here we list the annual insurance quotes for 13 of the largest U.S. insurers to illustrate how having a good credit score can help you save on car insurance.

Annual minimum coverage car insurance quotes by credit score

InsurerPoor creditExcellent creditDifference
MetLife$1,108$980-12%
Nationwide$1,004$755-25%
USAA$432$324-25%
Farm Bureau Insurance$436$320-27%
Erie$451$325-28%
Travelers$1,486$967-35%
Progressive$938$582-38%
GEICO$842$520-38%
American Family$811$496-39%
Allstate$1,422$843-41%
Auto-Owners Insurance Co$649$347-46%
State Farm$716$375-48%
Farmers$1,509$692-54%
Rates are a national average of car insurance policies meeting minimum coverage requirements in all 50 states and Washington D.C.

How coverage types affect auto insurance quotes

When purchasing auto insurance, your quote will depend on the type of policy you select.

  • A minimum coverage policy meets the minimum legal requirements for car insurance in any given state.
  • A full coverage policy typically adds comprehensive and collision coverage, and therefore costs more. Full coverage, however, provides more protection for damage to your car.

The costs of both full and minimum coverage policies depend on several factors described below.

State requirements

Nearly every state has some minimum coverage requirements for drivers to legally operate on the road. However, state requirements vary drastically from state to state.

  • Most states require some form of bodily injury and property damage liability insurance, though the actual coverage limits required can differ. The higher the coverage limits required, the more expensive the policy.
  • Some states require some form of uninsured and underinsured motorist coverage, whose limits can also vary and affect quotes.
  • A few states mandate some amount of personal injury protection (PIP), which can add to policy costs. Michigan, in fact, requires drivers to carry unlimited PIP coverage, and as a result, drivers in Michigan get more expensive car insurance quotes than in any other state.

Annual car insurance quotes for full and minimum coverage by state, from most expensive to cheapest

RankStateFull coverage quoteMinimum coverage quoteDifference
1Michigan$8,723$5,282$3,441
2Rhode Island$3,847$1,589$2,258
3Louisiana$3,525$1,329$2,196
4Kentucky$3,418$1,338$2,079
5Florida$3,370$2,565$805
6Nevada$3,190$1,295$1,895
7Colorado$3,164$1,075$2,089
8New Jersey$3,013$1,182$1,831
9Washington, D.C.$2,793$1,260$1,533
10New York$2,752$1,323$1,429
11Arizona$2,699$980$1,719
12Oklahoma$2,659$742$1,916
13 (tie)Connecticut$2,619$1,192$1,428
13 (tie)Georgia$2,619$1,114$1,505
15Texas$2,594$890$1,704
16Missouri$2,584$874$1,710
17Utah$2,538$1,105$1,433
18Montana$2,525$641$1,884
19Delaware$2,513$1,316$1,197
20Maryland$2,431$1,180$1,251
21South Dakota$2,338$420$1,917
22Illinois$2,313$878$1,435
23Minnesota$2,271$983$1,289
24Arkansas$2,213$677$1,536
25Mississippi$2,208$749$1,459
26Oregon$2,205$1,136$1,070
27New Mexico$2,194$699$1,495
28Kansas$2,190$654$1,535
29West Virginia$2,131$685$1,447
30Wyoming$2,118$485$1,632
31Alabama$2,078$736$1,342
32Nebraska$2,038$599$1,439
33Pennsylvania$2,018$615$1,403
34South Carolina$2,013$854$1,158
35New Hampshire$2,004$643$1,361
36North Dakota$1,979$528$1,451
37Massachusetts$1,866$646$1,219
38Tennessee$1,821$577$1,243
39California$1,804$574$1,230
40Idaho$1,777$606$1,171
41Vermont$1,769$552$1,217
42Washington$1,691$706$985
43Ohio$1,688$561$1,127
44Wisconsin$1,590$486$1,104
45Alaska$1,502$485$1,016
46Virginia$1,498$607$891
47Indiana$1,489$498$991
48Iowa$1,482$357$1,124
49North Carolina$1,434$542$892
50Hawaii$1,340$475$865
51Maine$1,268$489$779
Quotes are the average annual premium for a policy across insurers.

Population density

Insurers price premiums based on the risk or likelihood of claim filings. Typically, denser urban areas experience a higher frequency of car accidents and in turn, claim filings.

As a result, drivers in densely populated areas are likely to pay more for car insurance than those in less dense areas. Rhode Island and New Jersey, for example, are the only states with more than 1,000 residents per square mile, and both are in the top 10 for most expensive auto insurance quotes.

Local market and risk profiles

Because auto insurance is regulated at the state level, they often function as distinct insurance markets with different carriers operating across states.

Insurance companies all have their own proprietary mechanisms to assess risk, bundle coverage types and price auto insurance quotes, so some insurers cost more than others. The rates available to drivers depend on the insurers operating in their state.

Some states may statistically have higher risk profiles than others. If a state, or even a city within it, demonstrates a consistently high frequency of accidents and claim filings, insurers will increase quotes accordingly.


How vehicle type affects auto insurance quotes

Car insurance quotes can vary substantially depending on the type of vehicle you drive.

While higher-value cars are typically more expensive to insure, this trend is not always the case, as demonstrated below.

Here we list annual car insurance quotes for the Honda Civic EX — our sample car in the rest of our analysis — against some of the country's top-selling vehicles, including a pickup truck (Ford F-150), SUV (Toyota RAV4) and sedan (Toyota Camry).

Annual full coverage car insurance quotes by vehicle type

TypeModelAnnual insurance quoteMSRP
Sedan2015 Honda Civic EX$2,991N/A
Electric2019 Tesla Model 3$4,237$35,000
Convertible2019 Mazda MX-5 Miata Club$3,131$29,590
Sedan2019 Ford F-150 XL$2,898$28,155
Minivan2019 Dodge Grand Caravan GT$3,163$27,040
SUV2019 Toyota RAV4 LE$3,060$25,650
Crossover2019 Nissan Rogue S$3,174$25,020
Pick-up truck2019 Toyota Camry L$3,360$24,095
Hybrid2019 Kia Niro EX$3,278$23,490
Rates are for an average annual full coverage policy.

How different insurers price car insurance quotes

Different companies can offer the same driver drastically different car insurance quotes. This is among the most important reasons to compare auto insurance quotes when shopping.

Below, we offer an example of how insurers offer different annual rates for a 25-year-old sample motorist. Insurers will charge the same young driver a wide range of quotes.

Annual full coverage auto insurance quotes, by insurer

InsurerAnnual premium
Erie$1,518
USAA$1,673
GEICO$2,100
Nationwide$2,141
Progressive$2,655
State Farm$2,688
Allstate$5,074
Only current and former service members and their families are eligible for a policy from USAA.

How have auto insurance quotes changed over the years?

Over the course of the past decade, insurers have steadily increased rates year after year, and several trends suggest that drivers could continue to pay more for car insurance in 2020 and beyond.

One major factor likely contributing to rate increases is profit loss. On average, the largest U.S. insurers have not experienced an underwriting profit for some time — even in spite of consistent rate increases. Insurers typically raise rates to offset losses. In the graph below, you can see the 10 largest U.S. insurers, on average, had year-on-year profit loss of 3.3% and in turn increased rates by 4.4%.

Several trends are contributing to insurer profit loss. These include:

  • High frequency of natural disasters: Natural disasters and other climate-related incidents have created substantial losses for insurers over the past decade. Weather-related events like hurricanes Sandy, Michael, Florence and Irma collectively caused billions of dollars worth of damage and in turn insurance losses, as natural disasters are typically covered by comprehensive car insurance.
  • Increase in fatal car crashes: The National Highway Traffic Safety Administration notes that fatal car accidents have steadily increased in the United States, from 30,202 in 2013 to 34,247 in 2017. While fatal accidents from distracted driving have somewhat tapered, the overall net increase in fatal crashes is alarming for road safety. More deadly accidents also lead to a higher frequency of insurer claim payouts and underwriting losses.
  • Growing repair costs for vehicles: Automobiles are increasingly laden with sophisticated technology. While drivers can benefit from smart car technology, such transformations typically increase the value of cars and in turn the cost to repair them. Even previously inexpensive repairs like bumper damage can be more costly with new vehicle technology like rearview video systems. Insurers raise consumer premiums to mitigate the risk of higher claim payouts for smarter cars.

What does the future hold for car insurance quotes?

While accurately predicting rate increases is challenging, the trends identified above, especially insurer profit loss, are likely to continue and result in higher premiums for consumers. If these trends slow down, or even reverse, then auto insurance rates may hold steady or decrease.

Because predicting rate changes is difficult, the best way to save money on car insurance is to compare quotes from several insurers. Shopping around for coverage can help you ensure you're paying the cheapest rate possible.

Comparing year-over-year rate increases to the underwriting profit margin from 2014-2018

Why you should get free car insurance quotes online

Finding cheap auto insurance quotes doesn't have to be difficult.

ValuePenguin works with trusted national carriers to help you find your best rate quickly, simply and easily — for free.

Find Cheap Auto Insurance Quotes in Your Area

Currently insured?
No spam. No hassle. No hidden costs.
{"buttonText":"Get Quotes","customEventLabel":"","defaultProduct":"auto","defaultZip":"","hideTitle":false,"id":"QuoteWizardQuoteForm--227","isAgeFieldVisible":true,"isDeltyForm":false,"isInsuranceTypeFieldVisible":true,"isInsuredStatusFieldVisible":true,"quoteWizardEndpoint":"https:\/\/quotes.valuepenguin.com","showTrustMessage":"true","style":"dropshadow","tier":"VPT1","title":"Find Cheap Auto Insurance Quotes in Your Area","trackingKey":"_auto-insurance-quotes","trustMessage":"No spam. No hassle. No hidden costs.","vendor":"vp"}

Here are some of the best reasons to start comparing quotes now.

  • Save money. Comparison shopping is one of the best ways to find the cheapest rates.
  • It's free and easy. Get car insurance quotes in just a few minutes with no cost or hassle.
  • Find an insurer you trust. We partner with the country's leading insurers, so you can be confident you'll be protected when it counts.
  • Receive personalized service. Know that your online quote matches your unique driver profile and circumstances.
  • Shop with confidence. ValuePenguin respects your privacy, and we take extra precautions to ensure your information remains secure.
icon of your policy

How to get a quote online or with an agent

Whether you choose to get a quote online or through an agent, aim for at least three quotes from three different companies. The more quotes you get, the more options you have.

Getting an insurance quote online — called a direct quote — is probably the fastest and most convenient way to shop for auto insurance. Most of the national insurance companies will quote you a premium for your policy and even close the deal with you online.

You can also enter your ZIP code below to start comparing quotes now.

Find Cheap Auto Insurance Quotes in Your Area

Currently insured?
No spam. No hassle. No hidden costs.
{"buttonText":"Get Quotes","customEventLabel":"","defaultProduct":"auto","defaultZip":"","hideTitle":false,"id":"QuoteWizardQuoteForm--374","isAgeFieldVisible":true,"isDeltyForm":false,"isInsuranceTypeFieldVisible":true,"isInsuredStatusFieldVisible":true,"quoteWizardEndpoint":"https:\/\/quotes.valuepenguin.com","showTrustMessage":"true","style":"dropshadow","tier":"VPT1","title":"Find Cheap Auto Insurance Quotes in Your Area","trackingKey":"_auto-insurance-quotes","trustMessage":"No spam. No hassle. No hidden costs.","vendor":"vp"}

Information needed for car insurance quotes

When requesting a quote or submitting a form for a quote online, you'll need to have some personal information about you as a motorist on hand. This is a list of the information you'll commonly be asked for when inquiring about a quote:

  • Address
  • Date of birth
  • Gender
  • Social Security number
  • Current insurance information (if any)
  • Marital status
  • The make, model and year of the car you drive
  • Whether you purchased the car new or used
  • Your car's odometer reading / how much you drive in a year
  • Vehicle license plate number
  • Driver's license number
  • Driving history (any claims, violations or accidents)

Choose a policy and the appropriate coverage limits

The type of auto insurance policy you choose — whether minimum or full coverage — will affect your quote, so it helps to have a general idea of which coverages you'd like before getting one.

We typically recommend all drivers consider purchasing full coverage car insurance, particularly if their vehicle is worth more than $2,000. Additionally, some drivers may need special coverages that increase the price of their auto quote. Gap insurance, for example, is an optional coverage that reimburses drivers financing their vehicle with an auto loan in the event of auto theft or a total loss.

Be sure to consider any unique circumstances that will influence the policy type and coverage options you select when getting a quote. You should also try to determine ahead of time what liability limits you'll select for the following standard coverages:

  • Bodily injury liability reimburses medical expenses, emergency services, compensation of lost income and even funeral expenses to another driver for accidents in which you are at fault.
  • Property damage liability covers repair and replacement costs of damage to homes, storefronts, vehicles and other property for accidents in which you are at fault.
  • Personal injury protection (PIP) offers reimbursement for your own medical expenses, regardless of who was at fault in an accident.
  • Uninsured/underinsured motorist offers reimbursement for your bodily injury or property damage expenses for accidents in which the at-fault driver is uninsured or underinsured.

Comparison shop to find your best rate

After you've gathered relevant personal and vehicle information and chosen your policy type and coverage selections, you're ready to get a quote. A quick and simple way to compare multiple car insurance quotes is to use our tool at the top of the page. You can start by entering your ZIP code.

As an alternative, many insurers offer their own free online quote tools you can access directly through their websites, or you might consider working with an insurance agent to help you with the process.

Should you get a quote online or with an agent?

Quotes can be obtained in several ways, such as in person, over the phone or online. Online (direct) quotes are typically the most convenient, but drivers who prefer a more personal touch may opt to work directly with an agent.

  • You can also check quotes on the insurer's website for free. Some companies, such as Progressive, let you see competitors' rates side by side so you can find the best price for you.
  • If you can't get a quote online, try calling an agent at the insurance company you're interested in. With agents, you can either get one company's quotes or quotes from multiple carriers.

Bottom line: Getting quotes online can be more convenient for drivers who prefer using the internet, while calling up an agent offers a direct point of contact for your auto policy.

Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.