Get Free Car Insurance Quotes Online (April 2025)
Online quotes are the fastest way to compare rates from multiple companies. And you can save up to 12% by shopping online.
Get Free Auto Insurance Quotes In Your Area
Getting car insurance quotes online
Progressive is the easiest company for getting online car insurance quotes. State Farm has the cheapest rates.
Company | Quote process |
Online quote savings
|
Cost
|
|---|---|---|---|
| None | $134 | |
| 7% avg. | $173 | |
| Varies | $176 |
Find Cheap Auto Insurance Quotes in Your Area
Most insurance companies need the same information to give you a car insurance quote. But some companies make the process easier by looking up the information for you or having a good website.
Progressive, Geico, and Liberty Mutual will give you a discount on car insurance just for getting a quote online.
State Farm car insurance quotes
State Farm's quotes | Vs. avg. | |
|---|---|---|
| Minimum liability | $55 | 20% cheaper |
| Full coverage | $134 | 23% cheaper |
| After a ticket | $146 | 32% cheaper |
| After an accident | $154 | 41% cheaper |
| Poor credit | $540 | 58% more |
- Rates are cheap: State Farm is the cheapest car insurance company for most drivers. However, you don't get an extra discount for getting a quote online.
- Typical process to get an online quote: State Farm's online quote process is fairly standard. One downside is that the company asks you many questions if it can't find your driving details or if you recently moved. However, the form helps you understand the questions, which is useful when you're not familiar with car insurance.
- Sometimes need to use an agent: You can usually buy car insurance online after getting a quote. However, sometimes the website may connect you with an agent to complete the purchase. For example, if State Farm can't verify details about your car, you could need to talk to an agent to make sure your coverage is right.
Progressive car insurance quotes
Progressive's quotes | Vs. avg | |
|---|---|---|
| Minimum liability | $67 | 3% cheaper |
| Full coverage | $173 | 1% cheaper |
| After a ticket | $227 | 5% more |
| After an accident | $259 | 1% cheaper |
| Poor credit | $302 | 11% cheaper |
- Rates are about average, but there are lots of ways to save: Progressive's rates are slightly cheaper than average for most drivers. However, Progressive's dicsounts can help you lower your rates. You can save an average of 7% just for getting a car insurance quote online, and save 9% for signing your documents online.
- Easy online quote process: Progressive has one of the easiest online quotes processes. The form is relatively short and easy to fill out. There's also a tool that helps you adjust your policy's coverage to fit your budget. This makes it easy to figure out how much coverage you can afford.
Geico car insurance quotes
Geico's quotes | Vs. avg | |
|---|---|---|
| Minimum liability | $66 | 4% cheaper |
| Full coverage | $176 | 1% more |
| After a ticket | $230 | 6% more |
| Poor credit | $284 | 17% cheaper |
| After an accident | $303 | 16% more |
- Sometimes has low rates: Geico can be cheap if you're getting basic coverage or if you have poor credit. There are also many Geico auto insurance discounts which can help make Geico more affordable, and you could get a discount for getting a quote online.
- Can be frustrating when getting online quotes: If you use Geico's website to get a quote, the process can be time-consuming because you'll often have to answer lots of questions, and the form isn't easy to use.
-
Geico's app is a better way to get quotes: Geico's app is a much better tool for getting online car insurance quotes. The app is fast and more user-friendly than the website. Plus, it has at least 4.6 stars from millions of users. And if you buy a policy, the app is a helpful tool for managing your coverage and filing claims.
Liberty Mutual's car insurance quotes
- Can be expensive, but there are ways to save: Liberty Mutual tends to be expensive for car insurance. But you can save up to 12% for buying online. Plus, Liberty Mutual can have cheap home and renters insurance so it may be a good choice for bundling your car insurance with another policy.
- Typical process to get quotes: Liberty Mutual has a fairly standard online quotes process. It guides you through the questions. It also makes it easy to choose your by having three packages to choose from, as well an option for customized coverage.
Nationwide car insurance quotes
Nationwide's quotes | Vs. avg | |
|---|---|---|
| Minimum liability | $85 | 23% more |
| Full coverage | $200 | 14% more |
| After a ticket | $265 | 23% more |
| Poor credit | $295 | 13% less |
| After an accident | $321 | 23% more |
- Cheap if you have poor credit: Nationwide's quotes are a good deal if you have poor credit. But otherwise, Nationwide car insurance tends to be expensive. You won't get a discount for getting a quote online. But other Nationwide discounts are easy to get, such as signing up for automatic payments and paperless bills.
- Website can be slow when getting online quotes: You'll have to answer a standard set of questions when getting a Nationwide insurance quote. However, the website can sometimes be slow when it processes your information.
Get free car insurance quotes online
Most insurance companies offer free car insurance quotes.
- It's easy. Get online car insurance quotes in just a few minutes with no cost or hassle.
- Save money. Comparison shopping is the best way to find the cheapest quotes.
You can get quotes directly from each company. You can also use an agent or online marketplace like ValuePenguin to get multiple quotes at once.
ValuePenguin works with trusted national car insurance companies to help you find your best rate quickly, simply and easily — for free.
Find Cheap Auto Insurance Quotes in Your Area
- Find an insurance company you trust. We partner with the country's leading companies, so you'll have the protection you need when it counts.
- Get customized results. You get more accurate rates when your online quotes are personalized just for you.
- Shop with confidence. ValuePenguin respects your privacy, and we take extra precautions to ensure your info remains secure.
Average car insurance quotes
Car insurance rates are based on your personal details. Your quotes will change based on the company you choose, where you live, the amount of coverage, your driving history, and your credit score.
By driver details
By company
By location
By driver details
By company
Company | Full coverage | Min. coverage | |
|---|---|---|---|
|
| State Farm | $134 | $55 |
|
| Progressive | $173 | $67 |
|
| Geico | $176 | $66 |
| Nationwide | $200 | $85 |
| Allstate | $247 | $112 |
Average rates for drivers with no accidents and good credit. USAA is only available to military members, veterans and their families.
By location
Auto insurance quotes by state
Steps to get car insurance quotes
Step 1: Gather your your information
To get an online car insurance quote, you must enter info about yourself, your car and your driving record. That's because rates are based on your personal details.
What info do I need for online car insurance quotes?
- Name, address and birth date
- Driver's license info
- Current insurance company
- Vehicle info, including the VIN, make, model and year
- Info about your lender if you have a loan or lease
- Any claims, tickets or accidents in the past three to five years
- About how many miles you drive per year
If you'd rather not share your personal details, use ValuePenguin's car insurance caluclator to estimate your average rates by state and coverage level.
This can give you sample rates without entering many details. But personalized quotes will give you the most accurate rates.
Step 2: Decide how much coverage you need
Most drivers should get full coverage auto insurance quotes that includes comprehensive and collision coverage
A full coverage policy will pay for damage to your car, as well as any damage or injuries you cause to others. It's usually required if you have a car loan or lease. And it's worth it if your car is worth more than $5,000 or you don't have the savings to replace your car if it's totaled.
You can also add on special coverage options such as roadside assistance or rideshare insurance. This can help insurance pay for more of your costs or cover special situations.
Car insurance coverage in your quote
- Bodily injury liability helps pay for medical expenses, emergency services, lost income and even funeral expenses to another driver for accidents in which you are at fault.
- Property damage liability covers repair and replacement costs of damage to homes, storefronts, vehicles and other property for an accident you cause.
- Collision and comprehensive coverage pay for damage to your car in most situations — like a car crash, weather, vandalism or hitting a deer — even if it's your fault.
- Personal injury protection (PIP) helps pay for your own medical expenses, regardless of who was at fault in an accident.
- Uninsured/underinsured motorist offers reimbursement for your medical bills or property damage expenses for accidents caused by a driver that doesn't have any insurance or carry high enough limits.
The cheapest car insurance you can get is a liabilty-only car insurance policy. This gives you enough coverage to meet your state's rules. But typically, it isn't enough to cover the cost of a major accident. So you may have a big bill if you cause a serious crash.
Insurance companies won't sell you policies that don't meet the minimum car insurance required in your state. This means that any policy you buy will be enough insurance to drive legally.
Step 3: Decide where to shop for car insurance quotes
Getting free auto insurance quotes online is the best choice if you want rates quickly. But using an agent can give you personalized help and advice.
Online quotes from an insurance company
Online quotes from a marketplace
With an agent
Over the phone or in-person
It's a good idea to get quotes from at least three insurance companies. Each company uses a different formula for setting their rates so comparing quotes helps you find the best deal.
Online quote comparison tools are the fastest way to get auto insurance quotes from multiple companies.
Find Cheap Auto Insurance Quotes in Your Area
Step 4: Fill out quote forms and compare rates
Every quote tool is different. You'll usually start by entering basic info about your address and birthdate. Some quote forms will make the process easier by automatically filling in details about your car, driving history and current coverage.
Be as accurate as you can when you're asked about dates for prior policies or accidents. Insurance companies check your answers against records from the DMV and a database of previous insurance claims, called CLUE.
When getting an insurance quote online, entering your info usually takes around five minutes. Then, you'll see your quote instantly. After you get a quote, you can usually buy a policy that starts as soon as the same day.
- Use the same coverage details when comparing quotes. Even small changes such as how you'll pay can affect which company is cheapest.
- Write down the reference number of your quote so you can return to it later. This saves you from having to fill out the form again when you're ready to buy. It also lets you lock-in that rate because insurance prices change all the time.
- You may need to speak to an agent if you have a bad driving record or poor credit score. This can be inconvenient, but it helps you get the right coverage.
What to do if your quotes aren't affordable
Factors that affect how much car insurance costs
Insurance companies use your age, location, driving history, credit score, and other factors to predict how likely you are to file a claim.
Car insurance quotes differ by state, city and even ZIP code.
Insurance companies typically set quotes based on the average number of claims in an area. Urban areas with narrow roads and more cars typically have more car accidents and claims. That's why drivers in large cities often get higher quotes than people in rural communities.
Car insurance quotes may be higher if a state, city or neighborhood has more uninsured drivers or dangerous roads. Severe weather, like hurricanes or hail, can also affect your rates. That's because these factors can lead to more claims.
Quotes vary by state in part because state governments set minimum requirements for coverage. In addition, insurance companies must get their quotes approved by the state government.
Find the best cheap insurance quotes near you
More car insurance coverage typically means higher insurance quotes.
But you'll also get more protection after a crash.
People with tickets or accidents on their record usually have more expensive quotes.
Car insurance quotes go up by 23% or more after an accident, ticket or DUI. That's because insurance companies believe you're more likely to file a claim.
Auto insurance quotes are usually expensive for teens and new drivers. This is because they have less experience on the road. Quotes typically level off around 30 years old and increase slightly after age 65.
Cars that are newer, more expensive, faster and less safe typically have higher insurance quotes.
Among top-selling cars, the Honda CR-V and Ford F-150 have some of the cheapest full coverage insurance quotes.
Insurance companies believe drivers with bad credit are more likely to file claims.
So, a better credit score can mean cheaper quotes. Drivers with good credit pay about half as much for full coverage as those with poor credit.
Some states don't allow companies to use credit scores to set insurance quotes. This includes California, Michigan, Massachusetts and Hawaii. In these states, your credit score will not affect your auto quote.
Car insurance quotes are typically more expensive for men than women.
This is especially true for young drivers. That's because young men tend to be riskier drivers than young women. The cost of car insurance for men versus women is about the same starting around age 25.
However, some states don't allow companies to use gender to set your car insurance quotes. This includes California, Massachusetts and Michigan.
Frequently asked questions
What is a car insurance quote?
An insurance quote is an estimate of how much you'll pay for car insurance. Insurance companies base your quote on details like your address, car and driving history. You can get free quotes online or by phone.
How do I find car insurance quotes online?
The best way to find car insurance quotes online is through car insurance comparison sites, like ValuePenguin. That's because comparison tools let you shop for car insurance quotes from multiple companies at the same time.
You can also get car insurance quotes using insurance company websites. However, this typically takes a lot longer because you must enter your info into each company's website.
Can you get auto insurance quotes online without sharing your personal info?
You need to give an insurance company your personal info to get a car insurance quotation online. That's because companies base your quote on your car, driving history, where you live and sometimes even your credit score.
What is the cheapest car insurance I can get online?
State Farm, Geico and USAA typically have the best rates, and they all offer online quotes. But everyone will pay different rates based on where they live, what car they own and their driving history.
Is buying auto insurance online cheaper?
Purchasing auto insurance online can be cheaper, depending on the company you choose. That's because some companies give you a discount for shopping for car insurance online. For example, Liberty Mutual offers a discount of up to 12% if you buy your car insurance online.
Methodology
ValuePenguin collected millions of car insurance quotes from 39 companies across the U.S. to find auto insurance quotes for the cheapest companies, states and drivers with issues on their records.
Average car insurance prices are based on quotes from all available ZIP codes in the U.S. Quotes are for a 30-year-old man who owns a 2015 Honda Civic EX. He has good credit and a clean driving record.
Full coverage quotes include comprehensive and collision coverage, along with liability coverage:
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
- Personal injury protection: Minimum when required by state
Rate data was provided to ValuePenguin by Quadrant Information Services. Insurer filings were used to publicly source rate information. These quotes are intended for comparative purposes only. Your rates could differ.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.