Is it a bad idea to give a Social Security number when shopping for car insurance?

You don't need a social security number to get car insurance quotes. It's not always a bad idea to give a social security number when shopping for car insurance rates, but you shouldn't have to. Car insurance quotes may be more accurate if you provide your SSN, since most states allow credit to be used for insurance rates.

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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®

UPDATED: Dec 5, 2021

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Here's What You Need to Know

  • Your Social Security number is not a requirement to compare car insurance rates
  • A Social Security number is used to verify your identity, check your credit history, and verify your legal status in the U.S.
  • Avoid scams by checking the credibility of a site before entering your SSN

Applying for a loan for a car and then for car insurance may require that you provide Social Security number (SSN) to confirm your identity, and check your credit history. Your SSN or driver’s license number are also used to check your driving record since your driving history affects insurance rates.

Is it a bad idea to give a Social Security number when shopping for car insurance rates? 

Your Social Security number is confidential information and should be treated as such. You must always be cautious when inputting your Social Security number while searching for car insurance quotes online.

While your Social Security number is a requirement to purchase car insurance, it is not a requirement to search car insurance quotes.

Type your ZIP code in the free tool above and search car insurance quotes in your area without your Social Security number.

Is it a bad idea to give a Social Security number when shopping for affordable car insurance?

Your Social Security number is not needed to shop around for car insurance quotes.

However, including your Social Security number when applying for car insurance is typically a requirement. A tax ID number can sometimes be used in place of SSN.

Refusal to disclose your SSN, if you have one, when applying for car insurance can result in a higher rate or other consequences.

As it relates to car insurance, your Social Security number can be used to:

  • Verify your identity
  • Check your credit history and creditworthiness
  • Verify your legal status in the U.S.

An SSN is not a requirement to begin your search for car insurance quotes, but some sites may ask in an attempt to get you better quote results. In most states, your credit history can affect what you pay for car insurance.

Before entering personal information like your Social Security number, always check the credibility of a site. Scams may attempt to steal your information.

If you think your Social Security number may have been compromised or you’d like tips for prevention, you can contact the Social Security Administration for more information.

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What is required when shopping for car insurance?

Searching for car insurance without an SSN means using other personal information to estimate what a rate may look like. 

You can expect to see questions like:

  • What is your ZIP code?
  • What is the year, make, and model of your vehicle?
  • Have you had car insurance for the past 30 days?
  • Who is your current car insurance provider?
  • Have you had an accident or DUI in a specific timeframe?

You can also anticipate generic demographic questions such as:

  • Your first and last name
  • Your birthday
  • Your gender
  • You full address

These types of questions are asked to determine you level of risk. For example, females are generally labeled as low-risk in comparison to males.

The average car insurance rates by age and gender can further explain how demographic factors along with your credit and driving history provided by your SSN make up the car insurance quote you’re given.

Do you need a Social Security number to get car insurance?

No. You don’t need a Social Security number to get car insurance, but providing one can make the process easier.

Is it a bad idea to give a Social Security number when shopping for car insurance quotes? It can be. You have to be careful when you share your information.

When you’re shopping around for car insurance quotes, you most likely will not be asked for your SSN, but if you are, be sure to check the credibility of the site.

A credible site will only use your Social Security number to verify your information and ensure you receive more accurate car insurance rates.

Discover car insurance quotes in your area without your Social Security number by entering your ZIP code in the free tool below.

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