Free Instant Car Insurance Quotes

Getting a free instant car insurance quote online is easy with access to free quote tools. You can compare quotes online and save up to $859.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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: May 18, 2020

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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...

  • Getting a quick car insurance quote is a simple process with the technology available today
  • Gather all the information you need prior to trying to get an insurance quote
  • Using the internet can help you find several free car insurance quotes at the same time

In the past, obtaining an auto insurance quote could be a lengthy and frustrating task. You had to set up an appointment with an insurance agent in your area, drive to the agent’s office, and discuss your needed coverages and budget.

The agent would then typically submit a quote request to the insurance company, and then contact you with the quote amount. You would then have to travel to the agent’s office again to make your down payment and start your policy.

Fortunately, it is now possible to obtain instant auto insurance quotes online with no cost or obligation.

Enter your ZIP code above in our car insurance comparison tool and we will send you FREE car insurance quotes.

Can I get car insurance quotes online?

Before you start shopping for instant car insurance quotes online, you will need to gather several pieces of information. Typically, you will need the Social Security number of any person in your household who is of driving age. You must also obtain the vehicle identification number (VIN) for each vehicle you plan to insure.

The VIN is a 17-digit combination of letters and numbers found on your vehicle registration.

You will also need information about each accident or violation each driver has had in the past three years.

You should have the exact date of each accident or violation to prevent the insurance company from charging you twice if you decide to purchase a policy.

The motor vehicle department in your state can provide you with driving reports for each person if you are unsure of dates; however, you may have to pay a fee for these reports.

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How can I get car insurance instantly?

Once you have gathered the necessary information, you will need to find websites where you can obtain quotes. There are two primary ways to approach this task. One way is to visit the websites of insurance carriers licensed in your state.

If you are not sure if an insurance company is licensed in your state, you can visit your state’s insurance department website.

Another way is to look for quoting sites that provide rates from multiple carriers. The advantage of this method is that you only have to fill in information about your cars and covered drivers once to instantly pull rates from several licensed insurance carriers.

Free Car Insurance Comparison

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

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Choosing Insurance Coverage

When you fill out a quote request on an insurance company’s website or a quoting website, you will have to fill in your driver and vehicle information as well as choose the coverage and limits you want to be included in your quotes.

Nearly every state requires drivers to purchase certain coverage at specified minimum limits or greater.

In most states, you must purchase a certain amount of liability coverage. Liability coverage protects other motorists and pedestrians by paying for their medical expenses if you cause an automobile accident.

The minimum amount of liability coverage required by your state’s insurance laws is probably not enough to pay for all damages and injuries you cause. Even a seemingly minor accident can result in liabilities that exceed your state’s minimum limits.

Most insurance companies allow you to select higher liability limits for an additional premium cost. The additional coverage can help you avoid legal liability for damage and medical expenses incurred by others.

Additional Requirements

Some states also require drivers to purchase uninsured motorist coverage which pays for any medical expenses if an uninsured driver causes a motor vehicle accident. You can typically purchase uninsured motorist coverage limits equal to your liability limits.

In most states that do not consider uninsured motorist coverage mandatory, you must sign a form to reject this coverage.

Even if your state does not require this coverage, protecting yourself from large financial losses caused by an uninsured driver is essential.

Most insurance companies offer physical damage coverage, which pays for damage to your car caused by the following:

  • Weather
  • Traffic accidents
  • Hail
  • Wind
  • Falling objects
  • Fire
  • Vandalism
  • Theft

Some companies also offer limited medical payments coverage, which can help supplement your health insurance coverage if you are injured in an accident.

Free Car Insurance Comparison

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Comparing Free Car Insurance Quotes

After you have obtained several free quotes, you will need to compare the quotes to choose the best deal.

When reviewing quotes, make sure each one reflects the same coverage and limits. A low rate might save you money, but the financial consequences can be serious if you choose a policy that offers insufficient coverage.

Shopping for car insurance quotes is not a pleasant task for any driver. But free instant car insurance quotes online mean less time shopping for affordable coverage.

Enter your ZIP code below for FREE car insurance quotes.

References:

  1. https://www.ssa.gov
  2. https://www.naic.org/state_web_map.htm
  3. https://www.allstate.com/tools-and-resources/car-insurance/liability-car-insurance-cover.aspx
  4. https://www.esurance.com/info/car/uninsured-and-underinsured-coverage
  5. https://www.esurance.com/info/car/does-car-insurance-cover-hail-damage

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Average Monthly Car Insurance Rates by State