120+ more*Quotes generated for Insurify users within the last 10 days. Last updated on July 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on July 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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NPN: 20461358
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Insurify, Compare.com, The Zebra, and NerdWallet offer ballpark car insurance estimates using only a ZIP code.
Anonymous estimates are generally not as accurate as personalized car insurance quotes that use your true information.
Insurers need your actual personal data, like your driving record, where you live, and the make and model of your vehicle, as all those factors affect the cost to cover you.
Yes, you can get a car insurance estimate without giving your personal information. But the quote you receive won’t be as accurate when it’s anonymous. Your actual quotes can vary once you provide your personal information.
Category | Price |
|---|---|
| $78 | 3.8% |
| $96 | 5.6% |
| $115 | 6.7% |
| $134 | 7.9% |
| $152 | 8.4% |
| $171 | 8.0% |
| $190 | 8.0% |
| $208 | 7.1% |
| $227 | 6.8% |
| $246 | 6.1% |
| $264 | 5.2% |
| $283 | 4.8% |
| $301 | 4.2% |
| $320 | 3.5% |
| $339 | 3.3% |
| $357 | 2.7% |
| $376 | 2.4% |
| $395 | 2.1% |
| $413 | 1.8% |
| $432 | 1.6% |
Actual car insurance quotes require you to share real information about your vehicle, who drives the vehicle, their driving records, and who else lives with you that might have access to your vehicle.[1] Because estimates don’t ask for all that information, they aren’t accurate, real-time quotes.
To preserve your privacy, use trusted comparison sites that offer ZIP-code-only or limited-info estimates, such as Insurify, Compare.com, and The Zebra. This step-by-step process will help you get a car insurance quote while staying anonymous:
Enter ZIP code. Insurers use ZIP codes to understand risk factors such as auto theft rates, weather damage risk, and local claims history.
Select vehicle type. Insurers use your vehicle’s make, model, trim, year, and body style to calculate potential claim costs.
Choose coverage level. Your selections (liability-only versus full-coverage options, coverage limits, and deductibles) affect your rate.
Compare estimates. You’ll see a trend of how much you might pay based on your selected insurance coverage.
Avoid entering contact info. If a site asks for an email address to provide an estimate, you can create a dummy email account.
Anonymous estimates won’t be as accurate as quotes with real information, so it’s best to use them only for initial budgeting of the cost of car insurance. Providing your true date of birth, gender, address, and other details will give you a figure that’s much closer to the rates you’ll actually pay.
The best tools for comparing auto insurance quotes anonymously include Insurify, Compare.com, The Zebra, and NerdWallet. Each tool offers ballpark rate information for at least three (NerdWallet) and as many as 12 (Compare.com) car insurance companies without requiring personal information.
Though each company asks for an email address, you can either provide an alternative or skip that step altogether (NerdWallet).
For our evaluation, we used a sample driver profile: A 50-year-old woman with a clean driving record, a paid-off 2019 Hyundai Elantra, and a suburban address. She rents her home, commutes 10 miles per day for work, received her driver’s license at age 17, and has a high school diploma and a current active policy.
Tool  | Number of Quotes Received | Requires Email? | Requires Phone Number? | Sells Customer Information? |
|---|---|---|---|---|
| Insurify | 9 | Yes | Yes | No |
| Compare.com | 12 | Yes | Yes | No |
| The Zebra | 9 | Yes | Yes | No |
| NerdWallet | 3 | No | No | No |
An anonymous quote will typically be less accurate than a personalized quote. That’s because it’s missing relevant information that could affect your rates, including your credit history, driving record, and vehicle data.
Although your ZIP code provides a good starting point for researching car insurance costs, it’s not the only factor behind your rate. Two drivers in the same ZIP code could pay vastly different rates.
For example, suppose Driver A has an excellent credit score and a clean motor vehicle record, while Driver B has a poor credit score and was recently involved in an accident. They’re the same age and gender and live in the same ZIP code. They might receive the same car insurance estimate based on their shared limited information. But since driving record and credit are important rating factors, their actual car insurance costs will likely be much different.
Ballpark estimates typically gather information such as:
ZIP code
Vehicle information
Vehicle purpose
Average mileage
Whether you own, finance, or lease your vehicle
Whether you’re a homeowner or renter
Your birth date
Your gender
Driver’s license status
Credit score range
Educational attainment
Military or veteran status
Coverage history
Driving history
Liability limits
Even a simple ZIP code alone can give you a state-level average cost. You could also use a car insurance calculator to get a ballpark figure.
But to get a real, binding quote, such as one you request directly from the insurer, often requires the above information plus more personal details. It may seem like a lot of private information, but insurers use these details in their rating factors, which each state regulates.
These rating factors can vary by state, but may include:
Driver’s license number
Driving record
Vehicle identification number (VIN)
Claims history
Average annual mileage
Address
Age, gender, and marital status
Credit score
Occupation
Vehicle replacement cost
Insurify partners with 120+ top insurers to show the most accurate quotes
Getting a car insurance estimate can be helpful, but it’s not the best way to determine what you’ll really pay for car insurance. It’s important to weigh the advantages and shortcomings of estimates before you seek one.
Doesn’t require detailed personal data for a ballpark estimate
Reduce unwanted spam calls and junk mail
Useful for early budget planning
Not as accurate without details like age, driving history, or credit score
Actual rate could be higher based on your rating factors
Must provide your true information to an insurance company or an insurance agent to purchase coverage
Insurers price your car insurance based on their anticipated cost to insure you. They weigh how likely you might be to file a claim that they’ll have to pay. To determine that risk, they collect some important data from you:
Credit history: Most states allow auto insurers to use your credit history to generate a credit-based insurance score that they then use as a rating factor. You may be more likely to pay a lower rate if you have good credit.[2]
Driving record: Drivers with a clean record tend to pay lower rates. If you have an at-fault accident, speeding ticket, or driving under the influence (DUI) conviction in your recent history, it could cost more.[3]
Vehicle history: Cars with better safety records or lower repair costs tend to have lower rates.
State laws govern the data insurers are allowed to collect. For example, it’s illegal to price car insurance based on credit in California, Hawaii, Massachusetts, and Michigan. And North Carolina is among a handful of states that don’t allow insurers to use gender as a rating factor for car insurance.
Car insurance privacy regulations vary by state and insurer. Compare each insurer’s data privacy policies for your state, including how they use your information, who they share it with, how to see what information they have about you, and how to opt out of sharing.
Limit the information you hand over to insurers while shopping for a new policy by:
Using a secondary email or phone number: Create a new email address to use just for comparison shopping so your regular inbox stays clean. Sign up for a Google Voice number to limit calls to your regular phone number.
Noting opt-out rights: Look for the option to opt out of marketing communications. California residents have the right by law to restrict the sharing of their personal information, but you can request to opt out regardless of where you live.
Comparing privacy policies: Before continuing with a quote, look at the insurer’s fine print to see what information they collect and how they use it.
You could also get a rough estimate of your potential car insurance rate by reviewing the average rate in your state. Insurance premiums at the city level, and even ZIP code level, can vary significantly within a single state depending on weather risks, auto theft rates, claims history, and other factors.
The following table shows average monthly rates in every U.S. state, according to Insurify data. To see city-level data, click through to each state’s average rates page.
State | Full Coverage | Liability Only |
|---|---|---|
| Alabama | $142 | $67 |
| Arizona | $163 | $89 |
| Arkansas | $152 | $75 |
| California | $200 | $96 |
| Colorado | $217 | $97 |
| Connecticut | $221 | $161 |
| Delaware | $258 | $164 |
| Florida | $236 | $139 |
| Georgia | $259 | $156 |
| Hawaii | $127 | $62 |
| Idaho | $109 | $64 |
| Illinois | $161 | $82 |
| Indiana | $129 | $65 |
| Iowa | $111 | $56 |
| Kansas | $153 | $78 |
| Kentucky | $192 | $120 |
| Louisiana | $209 | $106 |
| Maine | $138 | $75 |
| Maryland | $304 | $193 |
| Massachusetts | $141 | $107 |
| Michigan | $224 | $129 |
| Minnesota | $184 | $93 |
| Mississippi | $184 | $90 |
| Missouri | $180 | $92 |
| Montana | $137 | $61 |
| Nebraska | $131 | $67 |
| Nevada | $253 | $160 |
| New Hampshire | $83 | $52 |
| New Jersey | $254 | $182 |
| New Mexico | $136 | $65 |
| New York | $237 | $152 |
| North Carolina | $114 | $69 |
| North Dakota | $114 | $65 |
| Ohio | $117 | $64 |
| Oklahoma | $169 | $83 |
| Oregon | $156 | $91 |
| Pennsylvania | $161 | $90 |
| Rhode Island | $301 | $176 |
| South Carolina | $256 | $160 |
| South Dakota | $153 | $63 |
| Tennessee | $132 | $60 |
| Texas | $205 | $110 |
| Utah | $148 | $93 |
| Vermont | $152 | $57 |
| Virginia | $204 | $116 |
| Washington | $183 | $95 |
| Washington, D.C. | $278 | $165 |
| West Virginia | $153 | $81 |
| Wisconsin | $126 | $57 |
| Wyoming | $93 | $50 |
Below are some of the most frequently asked questions about getting a car insurance ballpark rate without providing your personal info.
Anonymous car insurance estimates can give you a general idea of costs in your ZIP code. But they won’t be as accurate as quotes that use your true personal information, because they aren’t based on your real rating factors.
Insurers often run a soft credit check using your Social Security number to gather information about your credit history, which they use as part of their ratings when setting a price for insurance.
Keep in mind, though, that California, Hawaii, and Massachusetts ban the use of credit information in auto insurance ratings. And Maryland, Michigan, Utah, and Oregon restrict how insurers can use credit when deciding premiums.
Yes. You can get an estimate by providing your ZIP code, because car insurance companies use it to calculate the risk of severe weather damage, theft, and accidents.
The insurance company could check your credit, but the check is a soft one, not a hard one. Soft credit checks don’t affect your credit score; only hard credit checks do.
Insurify, Compare.com, The Zebra, and NerdWallet each offer anonymous car insurance quotes. You can use these sites to get an idea of how much your car insurance rate might be without providing personal info.
Yes. You can use Insurify and stay anonymous. Insurify offers ballpark car insurance estimates using your ZIP code and a few other non-identifying details, such as vehicle type.
Yes. If you want to protect your phone number from unsolicited calls and spam, you can get an anonymous estimate from sites like Insurify or use a Google Voice number instead of your regular phone number.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
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