How long does a car insurance quote last?

Car insurance quotes last for 60 days. Once you sign your car insurance policy, your rates will not change at all during your policy term.

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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: Sep 15, 2020

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Here's what you need to know...

  • A car insurance quote tells you the monthly rate that you can expect to pay for your car insurance policy
  • Every car insurance company will keep a quote active for a certain period of time, so if you need more time to shop around, be sure to ask how long the quote is valid for
  • When you get a quote for car insurance, that quote is typically for a term of either six months or a full year

When you are signing up for car insurance, it can be very tempting to simply go for the lowest possible rate that you are quoted.

Before you take the plunge, make sure that you get enough car insurance quotes to know that you truly are getting the best rate and that you are getting enough coverage so that you are sufficiently protected in an auto accident.

When you are quoted a price for a policy, ask the company – how long is an insurance quote good for? Usually car insurance quotes change every are 60 days, but how often car insurance quotes change depends on if they are updated in real-time.

Once you sign for a policy, your rate will not change in the middle of your policy term.

Start comparison shopping for auto insurance by entering your zip code above!

How to Get Car Insurance Quotes


Do not fall into the trap of only fixating on the price when you are considering a quote for a car insurance policy.

You need to look beyond the sticker price and think about whether you are being offered enough coverage to protect your assets in the event of a car accident.

In addition, you need to have insurance from a company that will honor the terms of your policy and has a good history of providing coverage to many other drivers in your state.

If you have lower policy limits and fewer supplemental coverages under your policy, you will pay a lower premium.

However, if you end up getting in an accident down the line, you may regret not having enough insurance coverage to take care of the damage you cause to another car or to your own vehicle.

In this instance, you would need to pay out of your own resources to take care of whatever damage is left over that your car insurance policy does not cover.

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Choosing the Right Car Insurance Quote for You

Even though you may feel time pressure to lock down a quote on your car insurance policy before it expires, it is crucial that you take the time in selecting the right auto insurance policy for you.

You want to make sure that you know what types of coverage are appropriate and the level of coverage that you should have.

If you have a much older car that has a very low current value, then you may not want to invest as much in protecting it against physical damage from an accident.

In this case, collision or comprehensive coverage would be much less important to you.

You would still want to have plenty of auto liability coverage so that you are able to take care of all damages through your insurance policy if you hit another car.

You can turn to the state requirements for car insurance to make sure that you are meeting the bare minimum for coverage.

When car accidents happen, they almost always involve more damage than what would be covered under a basic auto liability policy that only meets the state minimum coverage amounts.

Things That Could Change Your Car Insurance Quote

A clock with "Time to Change!" in orange lettering

When you do get a quote for a car insurance policy, there are some things that could change the price that you ultimately pay.

If you are involved in an accident after requesting a quote or have a traffic ticket issued against you, this could increase the price that you have to pay for your car insurance policy.

Also, if you need to add an additional car or another driver to your policy, this could also result in a higher price that you need to pay for your car insurance premium.

The Final Word on Car Insurance Quotes

It is certainly easy to get a quote for a car insurance policy. The more difficult part is in deciding which car insurance quote is right for you and your family.

When you are considering different quotes from different car insurance companies, be sure to ask them how long the particular quote will remain active so that you do not miss out on locking in a good rate.

As soon as you have officially accepted the quote and signed the car insurance policy, then that particular rate is locked in for the duration of your policy term.

A policy term is usually either a six month or one year period.

After that time, your premium could stay the same, increase or decrease, and this usually depends on whether you filed any claims during that period or received any tickets for moving violations.

Start comparison shopping for auto insurance quotes today by entering your zip code below!

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

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