Finding Free Car Insurance Quotes Online

Finding free car insurance quotes can help narrow your list of which companies to look into with further detail, and can help you find out what discounts you qualify for. You can enter your ZIP code in our comparison tool to receive free quotes.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: May 4, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's what you need to know

  • Shopping around for car insurance can potentially save you hundreds of dollars
  • Start with the free auto quote tool on this website to get estimates to help narrow your list of which companies to look into with further detail
  • Find out which car insurance discounts qualify you for yearly savings


When it comes to car insurance, you do not have to pay money to find savings on your premium.

With the possible exceptions of your monthly car payment and filling up your tank with gas, the cost of auto insurance is the highest driving-related expense you pay.

Many companies today promise to help you find savings on your auto insurance premium in exchange for a fee. However, you do not have to pay a dime to get an affordable online auto insurance quote.

How can you get an affordable car insurance quote? Enter your ZIP code in our comparison tool above and you will receive cheap car insurance quotes online from local and national insurers near you.

Insurance Companies Want to Hear From You

The fact is that insurance companies want to sell you a car insurance policy. The more auto insurance policies they sell, the greater their profits. Because of this, most auto insurance companies provide you with an online quote form right on their website.

The online quote forms on a company’s website are completely free, although they can take some time to use. The quote you receive from an auto insurance company’s website is a full quote, and it is based on the company’s analysis of such details as:

  • The vehicle(s) being insured
  • Driving history
  • Age, gender and marital status
  • Home address
  • If any drivers or vehicles qualify for special savings or discounts
  • Requested deductible and coverage levels
  • Credit score

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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It Pays to Shop Around

If you get a free online auto insurance quote from just one company’s website, you may get lucky and find savings from your single quote.

However, you may find additional savings if you shop with two or three more auto insurance companies. The online quotes on these websites, however, can take time to use.

While they allow you to conveniently get quotes any time of day or night that is best suited for your schedule, they may take fifteen minutes or longer to use.

Drivers who are serious about finding savings with their rate quotes do want to shop thoroughly for savings, and getting just one quote may not reveal the most significant level of savings possible. There are many more reasons why you should shop around for car insurance.

Get a Free Estimate First

Because it can take time to get a rate quote online from auto insurance companies, many drivers today are taking the step to get a free rate estimate before getting full quotes.

There are several free rate comparison websites that are designed to give you multiple rate estimates from well-known as well as lesser-known auto insurance companies.

Some of these sites are as easy to use as simply entering in your zip code. Others may request more specific information like your age and gender.

However, generally, the online request form on rate comparison sites is designed to be completed within under a minute. For that time and effort, you may receive numerous rate estimates.

While not firm quotes, they provide drivers with valuable information.

When getting an estimate, make sure it includes the types of insurance coverage you need, including:

  • Comprehensive coverage
  • Collision coverage
  • Underinsured motorist coverage/uninsured motorist coverage
  • Liability coverage
  • Special coverage for classic or custom vehicles

With a quick review of the rate estimates you receive, you can easily see which companies may offer you the cheapest car insurance on the coverage options you need. You will still have to contact those top companies for direct rate quotes.

Other Ways to Save

Shopping for free auto insurance rates online, whether by getting rate estimates or direct quotes online, can help you to find ways to save on your auto insurance premium. However, there may be other ways you can reduce the cost of your car coverage.

Regardless of which car insurance company you choose to purchase a policy from, you should be aware that the coverage you choose to buy and the deductible level you select all will play a role in the cost of your policy.

You can consider reducing coverage or dropping optional coverage that you may not need. Raising your deductible can also yield savings on your premium.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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Put Discounts to Use

In addition to shopping for low rate quotes online and making adjustments to the coverage and deductible, there may be additional ways you can also save money on auto insurance prices by applying discounts to your policy.

You may qualify for a range of different discounts including those for being a safe driver, for being a full-time student,  or more. By moving your homeowners’ policy or life insurance policy over to the insurance company you may also qualify for multi-policy discounts.

It can be both a blessing and a challenge to learn that different insurance companies offer different types of discounts. But the actual savings to policy costs make the research worthwhile.

It may take you time to review the different nuances and requirements of each company’s various discounts, but these nuances may allow you to find savings with one company that are not available through another company.

If you are thinking about paying a company to find you savings on your auto insurance premium, you should think again. It is possible and very easy to get free online rate quotes.

You can first use a free rate comparison site to determine which auto companies you should shop with for full rate quotes. Then you can get full quotes for free by visiting an auto insurance company’s direct website.

There is no need to pay a company to find savings on your auto insurance cost when it is so easy to do yourself. Enter your ZIP code below for affordable auto insurance quotes!

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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