How to Get Free Car Insurance Quotes & What You Need to Know

Find the cheapest rates and choose the best coverage options by getting quotes from multiple companies of companies.

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Updated July 15, 2022

Why You Should Get Quotes from Multiple Companies

woman getting a car insurance quote

It’s Free to Get Quotes

That’s right — comparing auto insurance quotes doesn’t cost a thing. A reputable quote comparison site will never charge you or ask for your credit card information. Comparing quotes requires zero investment and can save you a lot of money.

No Insurance Company is the Best for Every Driver

All the time, drivers ask us “Which car insurance is the cheapest?” and “Which car insurance company is best?” We wish we had a great answer, but the truth is that there’s not one car insurer that’s the best for everyone. Every company measures risk differently, and so they all calculate rates differently as well.

Several insurance companies specialize in low rates for high-risk drivers (that means people who have had several accidents or a DUI, or have let their insurance lapse). Other insurers offer their best rates to people who have served in the military, or to drivers with great credit, or drivers who are older. You have to shop around to find the insurance company that’s the best match for you.

You Can Get Car Insurance That’s Customized for Your Needs

Maybe you need a special endorsement because you drive for Lyft or DoorDash. Maybe you have terrible luck with getting flat tires, and you really want roadside assistance with your policy. Or maybe you just want the cheapest car insurance policy that will let you drive legally. Whatever you want from a car insurance policy, you can find it. Select your coverage levels and options, then check the prices.

Car Insurance Companies Will Compete for Your Business

Know how you see a car insurance ad every time you watch TV? And every time you go online? And every time you click a video? You can tell that insurance companies are willing to spend a ton of cash to get you to become their customer.

The same goes for car insurance quotes. When you’re comparing car insurance rates, companies know you’re looking for the cheapest deal. They’ll do their best to compete with the other guys to offer you a lower rate.

You Can Save Some Serious Cash

Usually, people only shop around for quotes if they’re considering a big purchase. You compare quotes if you’re building a deck, or getting a new HVAC system. You don’t compare quotes if you’re buying bananas at the store.

Car insurance may not seem like a big purchase… but it is! Your monthly premium can be a pretty big expenditure once you add it all up.

  • If you pay $70 per month for car insurance… that’s $840 per year.
  • If you pay $119 per month… that’s $1,428 per year.
  • If you pay $265 per month… that’s $3,180 per year.

That’s a sizable difference – and we didn’t make up these numbers! These are real quotes for a Plus coverage policy for a 30-year-old female driver in Virginia. If she chooses the most expensive quote instead of the cheapest, she’ll pay an extra $2,340 in a year. Ouch.

You can see why it pays to compare quotes. But how do you begin?

Just Enter Your ZIP to Get Started!

What Do You Need to Get Free Online Car Insurance Quotes?

It’s way easier than you think! First, here’s what you don’t need when you’re comparing insurance quotes. You don’t need a credit card or payment info. Comparing quotes is always free on And you don’t need to enter sensitive info, like your social security number.

To get personalized, online car insurance quotes, you do need to provide some basic info, including:

  • Your name, birthdate, and address
  • The name and birthdate of anyone else who will be on the policy
  • The make, model, and year of your vehicle, as well as the trim level
  • The approximate mileage of your commute, or annual miles driven (we can help you estimate)
  • Any accidents, moving violations, or claims in the past five years (with month and year)
  • Your current car insurance company
  • Your current bodily injury liability limits
  • When your current policy expires

What Are Car Insurance Quotes?

A car insurance quote is an insurer’s best guess of how much you’ll pay for an auto insurance policy. Insurance companies can’t just set a fixed price for car insurance, because rates vary a lot depending on the state you live in, your age and gender, your driving record, and a whole lot of other cost factors. Instead, they calculate your risk of filing a claim, based on what they know about you, and then estimate your car insurance cost.

How to Get Multiple Car Insurance Quotes in 10 Minutes or Less

Long ago, there was only one way to compare car insurance quotes. You had to go to each insurer’s website (or call them on the phone), enter all your personal information, then see what they offered. And you had to do it again and again. It was exhausting. Many people didn’t have the time or energy to compare more than two or three quotes. Life’s better now! You can use’s powerful quote engine to get fast, accurate, personalized quotes from multiple companies in a matter of just a few minutes. These quotes are real, not just estimates. When you see them all on one page, it makes it easy to choose the best, most affordable option. That way, you can be confident you’re getting the best deal.

Just enter your ZIP below to get started!

What Factors Affect Your Car Insurance Quotes?

Your Driving Record

The cost of car insurance is based on how big a risk you are to insure. So, it makes sense that your driving record is usually the single most important factor in setting your rates.

If you have a history of crashes, smashes, and speeding, insurance companies will charge more. If you drive like your grandmother is holding a pot of hot gravy in the back seat, they’ll offer much lower rates.

Interestingly, our data shows that a ticket can raise your rates even more than an accident. Multiple tickets mean more expensive car insurance.

Infractions Average Quote
1 Accident $99/mo.
Multiple Accidents $134/mo.
1 Ticket $112/mo.
Multiple Tickets $142/mo.

Your Insurance History

When you’re searching for cheap insurance quotes, having an insurance lapse can really trip you up. Insurance companies believe (rightly or wrongly) that a gap in your car insurance coverage means you’ve had trouble paying your premiums and that you were driving uninsured. As a result, they’ll bump up your policy costs. On the other hand, if you’ve stayed insured for several years, that could reduce your rates.

Your Vehicle

If your ride is new and expensive, your car insurance quotes will go up. If it has certain safety and anti-theft features, your insurance costs may go down. And if you drive an old beater (looking at you, 2002 Honda Accord), you can skip collision/comprehensive coverage and save even more.

As you can see from our data, the type of vehicle you drive matters too. Cars and SUVs can be a little more expensive to insure, compared to trucks and vans.

Body Type Average Quote
Car $81/mo.
SUV $80/mo.
Truck/Van $69/mo.

How Much You Drive

In the quote comparison process, we’ll ask you about the primary use of your vehicle: personal, commuting to work, business, or farm use. We’ll also help you estimate how many miles you drive in an average year. This can make a big difference in your quote! Commuters usually drive more and drive during rush hour, which makes it more likely that they’ll get into an accident.

If you drive less than 10,000 miles per year (or 27 miles per day) you may be able to get cheaper car insurance quotes. Metromile is one company that offers pay-per-mile insurance: You pay a low monthly base rate, then a small fee for every mile driven.

Your Age

Age makes a big difference in your auto insurance quotes. Drivers under 18 will see the highest rates. Even if a teen driver doesn’t have any tickets or accident on their record, insurance companies still consider them high-risk because of their lack of experience. That’s why it’s so important to shop around, so you can find the best deal on insurance for teen drivers.

After the teen years, men under the age of 25 pay the highest auto insurance premiums on average. Then, premiums generally decrease until about age 65.

Age Average Quote
Under 18 $203/mo.
18-24 $120/mo.
25-34 $77/mo.
35-44 $71/mo.
45-54 $64/mo.
55-64 $58/mo.
65+ $62/mo.

Your Gender

On average, car insurance quotes are higher for men. That might seem unfair, but it’s based on statistics: according to the Insurance Institute for Highway Safety, men drive more miles than women, have riskier driving habits, and cause more severe and fatal crashes.

Averages don’t apply to everyone, though — a man with a perfect driving record will probably get lower rates than a woman with a few tickets or accidents. And in California, car insurance is now gender-neutral. You can find the cheapest car insurance for women and men by comparing quotes!

Gender Average Quote
Male $82/mo.
Female $77/mo.

Where You Live

The cost of car insurance depends a lot on your state of residence. Some states have regulations that keep car insurance rates low (hey, North Carolina). Some states are vulnerable to flooding, hurricanes and other severe weather (like Louisiana), and so insurance rates are higher. Some states are largely rural, without a lot of traffic or crime, such as Idaho, which means car insurance is cheap.

Here, we’ve listed the cheapest car insurance company in each state (according to our data).

Your Home

If you own your own home, you might see lower car insurance quotes. That’s because owning a house demonstrates financial responsibility. Also, you can save a lot by bundling your car and home insurance policies with a single insurer. People living with their parents don’t get those savings… but on the plus side, you’re saving a ton on rent.

Housing Status Average Quote
Own $70/mo.
Rent $82/mo.
Live with Parents $100/mo.

Your Marital Status

Did you know that you should shop around for car insurance after you get married? That’s because you can save a lot by sharing an auto insurance policy with your sweetie — and married people, in general, get lower quotes. Divorced and widowed people also see lower rates than single folks (although this may be related to age, as well).

Relationship Status Average Quote
Single (never married) $86/mo.
Married $66/mo.
Divorced $61/mo.
Widowed $60/mo.

Your Job

You may get cheaper car insurance quotes if you’re in a profession that insurers view as lower-risk. Examples include: educators, health care professionals, scientists and engineers, first responders, and lawyers. Remote workers, too, can save on insurance because they’re not commuting. If you’ve recently taken a new job, compare quotes to see if you can save!

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Your Credit Score (Sometimes)

Having good credit doesn’t necessarily mean you’re a good driver. And having bad credit doesn’t mean you’re a bad driver. Nevertheless, insurance companies consider credit as a factor when they’re calculating your driving risk, so a history of late payments or unpaid debt can result in much higher quotes for car insurance.

That being said, not all states allow the use of credit when setting car insurance rates. And here’s some good news: Comparing insurance quotes will not lower your credit score! When an insurer checks your credit, that’s called a “soft pull” (unlike the hard credit inquiry performed when you’re applying for a car loan or a mortgage).

What Should You Consider When Getting a Car Insurance Quote?

Man thinking about car insurance

Your Coverage Level

Ever wonder what those numbers — like 25/50/25 — mean when you’re looking at car insurance quotes? That’s shorthand for your coverage level, which is the maximum amount your insurance company will pay for specific types of claims. 25/50/25 means $25,000 in bodily injury liability for one person, $50,000 in bodily injury liability for all people in an accident, and $25,000 in property damage liability. That might sound like a lot… but in a major accident, those limits may not be enough.

State Minimum Coverage

The cheapest auto insurance will almost always be state minimum insurance. It makes sense: the less coverage you have, the less you should pay, right?

Just bear in mind that car insurance exists to protect you from financial losses in the event of an accident. State minimum insurance doesn’t include collision and comprehensive coverage for your own vehicle, and it varies quite a bit from state-to-state.

Full Coverage

Full coverage auto insurance means a policy that includes all the types of insurance allowed in your state, in addition to the required liability coverage. Depending on where you live, you may choose to get most of the coverage types listed below.

Comprehensive Coverage

Comprehensive coverage pays for damage to your vehicle that’s not caused by a crash or collision. Examples include fires, vandalism, tornado damage, flood damage, even earthquake damage.

Collision Coverage

Collision coverage pays to repair or replace your vehicle after it’s damaged in a collision.

Liability Coverage

Liability coverage pays for other people’s losses when they’re hurt in an accident and you’re at fault.

Property Damage Coverage

Property damage coverage pays for — you guessed it — damage to other people’s property in an accident when you’re at fault.

Uninsured and Underinsured Motorist Coverage

Uninsured motorist coverage pays for your losses when a driver without insurance injures you or damages your property in an accident. Underinsured motorist coverage is similar, and applies when the person who hit you has low coverage limits.

Medical Payments Coverage

Medical payments, or Med Pay, helps pay for medical bills for yourself or your passengers following an accident, no matter who’s at fault.

Personal Injury Protection

Personal injury protection, or PIP, can pay for medical bills, lost wages, childcare, housecleaning and other expenses after an accident.

Your Deductible

Your car insurance deductible is the amount you pay out of pocket toward a comprehensive or collision claim before your auto insurance policy covers the rest. You can choose the deductible you want. A higher deductible means a lower insurance quote (and rate).

Your Budget

You’ve probably heard the advice not to spend more than 30% of your income on housing. There’s no such rule for car insurance, probably because rates vary wildly from person to person and state to state. However, it’s always smart to consider your whole budget when you’re shopping for car insurance. Look for the cheapest quote that still gives you financial protection.

Your Unique Needs

Do you have special circumstances that require a customized car insurance policy? These situations may not be reflected in your auto insurance quote, so you’ll have to ask your insurer directly.

Additional Coverages

Optional coverages can cover towing and labor after an accident, a rental car while yours is in the shop, or even pet injury coverage.

Car Insurance Endorsements

A car insurance endorsement isn’t as cool as a celebrity endorsement, but it’s useful. An endorsement modifies your policy by changing, adding or deleting coverage or terms. One common example is gap insurance, which pays off your loan in case your car is totaled in an accident or stolen.

Car Insurance Exclusions

A car insurance exclusion is anything your policy specifically says is not covered. If you borrow someone’s car without permission and then crash it, for example, your policy might exclude coverage.

How Can You Get Cheaper Car Insurance Quotes?

Want to save some serious money? Try these tips and unlock your savings!

number 1

Take Advantage of Discounts

If you’re lucky, you can score not just one or two, but several car insurance discounts. Some of the biggest savings: multi-vehicle discounts, multi-policy discounts, pre-payment or automatic payment discounts, accident-free/good-driver discounts, and pay-per-mile discounts.

number 2

Bundle Your Policies

Bundling simply means using the same insurance company (or, two affiliated companies) to insure your house and your car. Bundling can mean big savings, although it can also make it more difficult to switch insurance companies later.

number 3

Practice Safe Driving

An American driver gets handed a speeding ticket about once every second. That’s 41 million tickets per year! So, you shouldn’t feel bad if you have one too — but you should slow down. Obeying speed limits and driving defensively could save you a ton on your auto insurance (and it could save your life, or someone else’s.)

number 4

Be Honest About Your Driving History

When you’re comparing auto insurance quotes, we’ll ask you, “Have you had any accidents, moving violations, or claims in the last 5 years?” You might be tempted to click “no,” even if you’ve had a few incidents. But that just means you’ll get inaccurate quotes. The insurance company you choose will check your motor vehicle report (MVR) before issuing you a policy, so being dishonest on your quote won’t save you any money, no matter how convincing you are.

number 5

Take Car Insurance Rates into Account When Buying a Car

You may have heard that red cars are more expensive to insure. That’s not true at all — color has nothing to do with insurance rates! Car make and model can affect your insurance quotes, however. If you buy an SUV or minivan, you may pay less. If you go for a luxury car, you’ll pay more.

Online Car Insurance Quotes FAQs

Are car insurance quotes free?

Yes! If you ever come across a site that charges you money for car insurance quotes, run far away. Comparing quotes on is 100% free, and that’s the way it should be.

How accurate are car insurance quotes?

You don’t want to invest time in comparing insurance quotes only to find that they’re way off. That’s why you should use to get the most accurate quotes! We ask a few more questions than other comparison sites do (but nothing invasive) so we can make sure we’re giving you the best and most accurate quotes. When you’re ready to buy, some car insurance companies may adjust your quote up or down based on factors we don’t ask about, such as credit history.

How can I get a low insurance quote?

A better question to ask: How do you actually know if an insurance quote is low? You have to compare. For instance, maybe you currently pay $115 per month. A different car insurance company quotes you $96. That sounds better. But if you compare quotes from several insurers at once, you may find that your lowest quote — for the same coverage level — is $72. Now that’s low.

Who has the cheapest car insurance?

If one single company offered everyone the cheapest car insurance, every other insurer would go out of business. The reality: Because car insurance rates are personalized, there’s no car insurance company that’s cheapest for everybody. That’s why comparing quotes is crucial! Here, we’ve listed the cheapest car insurance quotes (on average) for drivers in each state; for drivers with an accident or speeding ticket; for students, and more.

What is the best car insurance quote site?, of course! We believe that every driver deserves a fair chance to get affordable car insurance. Since 2013, we’ve worked nonstop to offer the best, most accurate car insurance quotes to our users. We review all of our car insurance partners so you can be sure that you’ll get great coverage at a good price. And we’re committed to protecting your personal data.

How much should I be paying for car insurance?

We wish we could give you an exact figure. However, the answer to this question depends 100% on the many, many factors insurance companies use to calculate quotes: where you live, your driving record, your age, your gender, etc.

Just want to get a sense of how much people like you are paying for car insurance? Take a look at the average premiums from different insurers for drivers by state, by driving record, by coverage limit, and more.

Can you negotiate car insurance?

Yes and no. Buying car insurance isn’t like buying a car — you can’t haggle over the price. However, you can ask for discounts, or try this method of negotiating car insurance: First, compare auto insurance quotes. Make sure you choose the same level of coverage you currently have. Then, call your current insurer and tell them you found quotes lower than what you’re paying. Tell them you’re going to switch insurance companies unless they can match that lower quote and see what happens!

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