If you visit a typical insurance company’s website and request a quote, you’ll likely get all kinds of questions back on some very personal topics.

Not only will the quoting questionnaire ask you for your name, phone number, and email address, it’ll likely also ask you things like where you live and what kind of car you drive. Some will even ask for extremely sensitive information like your driver’s license and social security number. Putting this kind of personal information on the Internet can be a little unsettling.

Do insurance companies need all that sensitive information to give you a quote on an auto insurance policy? No, but they do need some of those details to estimate your insurance costs accurately. The trick to getting an anonymous car insurance quote is providing just enough information for an accurate quote while leaving off all the rest.

How to compare free car insurance quotes

Insurify can help you begin (and maybe end!) your car insurance comparison shopping journey. Just take two minutes to answer a few relevant questions related to your driving profile, and you can have up to 10+ accurate quotes in seconds…100% free, no SSN required, no risk or obligation to you. Quotes are available from Liberty Mutual, MetLife, The General, Travelers, and more. You can even choose how to pay: online or over the phone! Oh, and we won’t call you unless you explicitly ask us to.


Cheap car insurance is within reach! You just have to know where to look. 


Check out Insurify’s car insurance calculator for a quick snapshot of how much you could save.

Here’s how to find no credit check car insurance for drivers with poor credit.

Our official guide to finding very cheap car insurance with no deposit required is here.

What personal information do insurance companies really need?

Insurance quotes generally come in two different “flavors.”

First, there are nonguaranteed quotes, which are usually based on the average premium paid by drivers in similar circumstances. This type of quote doesn’t require any personal information from you at all, but it also tends to be way off base. Plus, the insurance provider doesn’t have to follow through on a nonguaranteed quote, so if you proceed to get an auto policy from them, your actual premiums will probably be very different from the original quote.

Guaranteed quotes, on the other hand, are actual insurance rates with which the insurance provider is willing to follow through on a policy. If you’re shopping around for the best insurance premium, guaranteed quotes are what you want to get because they’ll give you a realistic way to compare insurance companies. However, because guaranteed quotes are custom-built for you, the quoting tool will need to get certain bits of personal information to produce an accurate quote.

Some of the personal details that auto insurance companies request are pretty obvious. For example, nearly every quoting tool will ask if you’ve been in an accident in the last two or three years. Insurance companies use your driving record to determine how risky a driver you are, which is a pretty important detail when setting your car insurance rates. Many insurance providers will ask for your driver’s license number, which lets them pull up your driving history rather than relying on your self-reported information.

On the other hand, some personal details that are vitally important for car insurance quotes can be less obvious to shoppers. For example, quoting tools will generally ask you for your physical address or at least your ZIP code. That may seem intrusive, but in reality, physical location is one of the most critical factors car insurance companies used to set rates. That’s because driving risk varies quite a bit depending on what ZIP code you live in. Certain neighborhoods are more prone to problems like vandalism, theft, or reckless driving. Car insurance companies really do need your physical location to estimate your insurance costs and give you an accurate quote.

Other personal details that insurance companies need for an accurate quote include:

  • Your age
  • Your gender
  • Your auto insurance history (e.g., whether you’ve had any gaps in your coverage)
  • Your approximate credit score (in states that permit insurance companies to use credit history)
  • The type of car you drive

What personal details don’t insurance companies need?

Insurance companies will almost certainly ask you for an email address when you request a quote, and they’ll probably ask you for your phone number as well. These bits of personal information have nothing to do with your car insurance rates; they’re simply a way for the insurance company to get in touch with you both to get your policy activated and to sell you insurance products later.

If you’d rather not be fielding sales calls from insurance agents, it’s perfectly okay to give a “burner” email address when shopping for rates. It’s best to use a valid email address that you have access to because many quotes will come only by email. A temporary email address ensures that you won’t be bothered by further contact attempts from those insurance companies.

How to get a reliable anonymous quote

Wondering how you can still find an accurate car insurance estimate without personal information getting too involved? Here’s how: While you can’t get a genuinely anonymous quote, you can conceal personal details that won’t affect your insurance rates (such as your email address). If you choose to go this route, you’ll want to use a car insurance comparison tool like Insurify to collect quotes.

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This way, you’ll only need to provide a burner email address once and can collect all your quotes at once to quickly spot the best rate. (You might even find that the deals are so great that you’ll want to buy a new policy on the spot! If that’s the case, be sure to enter your relevant contact information so that you can save money in mere minutes.)

Finding the right car insurance comparison site

When choosing a car insurance quote comparison website, you’ll want one that provides real quotes, not ones based on average driver information. One quick way to tell is by how many questions the quoting tool asks you. If all it asks is your ZIP code, you’ll be getting a bunch of semi-bogus quotes and mere car insurance estimates…not real or accurate rates for your driver profile. Insurance companies really do need more information than that to provide a reasonable quote.

It’s also essential to make sure that the quote comparison website is collecting quotes based on identical policies across various car insurance companies. In most cases, you’ll want to use your existing car insurance policy as a template for collecting quotes.

Insurify will let you tweak the policy information it uses to collect free quotes, and also adjust coverage levels and deductible limits, so it’s easy to compare auto insurance quotes that are truly a match for your existing policy.

Remember that if you do go the fake contact information route, you’ll need to make sure you provide your correct contact information to the insurance company you decide to purchase from. Otherwise, your policy documents, statements, and other important legal documents may be lost forever.

Browse, Compare, Discover with Insurify today! 

​Anonymous Car Insurance Quote FAQs

Can I calculate my car insurance rate without revealing personal information? 

If you don't have time to call or visit an insurance agency, you'll be happy to know that you can get accurate car insurance rate estimates entirely online. If you just want an idea of how you could save on your policy, use a backup email address on a comparison site—but don't give out your SSN or any other sensitive information to a site you can't trust. Only using a verified  auto insurance quotes comparison site like Insurify can guarantee that you'll be looking at real, bindable quotes—no too-personal info required.

How do I get an anonymous car insurance quote?

The trick to getting an anonymous car insurance quote is providing just enough information for an accurate quote while leaving off all the rest. The most accurate quote will be the one that takes into account information like your ZIP code, driving record, and vehicle information, among other items. But if you're not planning on buying today, that means you don't have to reveal your real name or contact information just yet. That shouldn't affect your final quote!

How does Insurify compare car insurance quotes?

Insurify users save an average of $489 a year on their car insurance, thanks to Insurify's AI and predictive analytics technology. Insurify analyzes your driver profile to generate up to 10+ real, bindable car insurance quotes that are tailor-fit to your preferences and needs.

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Updated January 27, 2020

Wendy Connick is the founder and owner of Connick Financial Solutions, a provider of tax and bookkeeping services and a QuickBooks Online Certified ProAdvisor. A long-time freelance writer, she specializes in business and finance articles on subjects including taxes, investing, and retirement. Wendy is an Enrolled Agent (EA), the only federally licensed tax practitioners who specialize in taxation and have unlimited rights to represent taxpayers before the IRS. She is a member of the National Association of Enrolled Agents and a certified volunteer for VITA (Volunteer Income Tax Assistance), an IRS-sponsored program to provide free tax help for low-income individuals and families.