Free Car Insurance Quotes Online From Top-Rated Companies
Getting multiple quotes from Insurify for top insurance companies could help you save up to $1,100 per year.
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Written byCassie Sheets
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Cassie SheetsData Journalist, Personal Finance Writer
9 years writing data-driven content
Lifestyle contributor to 30+ local news sites
Cassie Sheets has a background in home and garden and real estate content. At Insurify, she translates industry jargon into insights that empower insurance buyers.
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Edited byAshley Cox
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Ashley CoxSenior Managing Editor
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Reviewed byMark Friedlander
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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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.
Table of contents
Checking and comparing car insurance quotes regularly is the easiest way to save on car insurance.
A car insurance quote-comparison site like Insurify allows you to see multiple real-time quotes from top auto insurers. Insurify uses a few pieces of personal information, like your driving record, vehicle type, and current insurer, to pull quotes from multiple car insurance companies in minutes.
The comparison-shopping guide below can help you find your best car insurance quotes.
Quick Facts
Insurify offers free car insurance quotes and has a team of knowledgeable insurance agents who can guide you through the insurance-shopping process.
With zero spam risk, you can compare car insurance quotes from 120+ top insurers with Insurify in less than five minutes.
Insurance quote comparison is the best way to save money on car insurance.
Average quotes from top car insurance companies
These five car insurance companies are the largest insurers in the U.S. by market share. See how they compare in the table below.
 |  |  |  |  |
|---|---|---|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $81/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $128/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $114/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $109/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $77/mo* |
Overall rating 4.0 | Overall rating 3.2 | Overall rating 4.0 | Overall rating 3.8 | Overall rating 4.9 |
Value for money 3.7/5 | Value for money 3.0/5 | Value for money 3.8/5 | Value for money 3.3/5 | Value for money 4.9/5 |
Customer service 4.2/5 | Customer service 3.3/5 | Customer service 4.1/5 | Customer service 3.8/5 | Customer service 4.8/5 |
Claims handling 4.1/5 | Claims handling 3.3/5 | Claims handling 4.1/5 | Claims handling 3.8/5 | Claims handling 4.9/5 |
Special highlight Customer serviceAI-generated from 7164 user reviews | Special highlight Competitive ratesAI-generated from 8117 user reviews | Special highlight Teen driversAI-generated from 7412 user reviews | Special highlight Accident forgivenessAI-generated from 4262 user reviews | Special highlight Members of the military communityAI-generated from 1476 user reviews |
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
How to get free car insurance quotes
Getting free car insurance quotes is easy. Once you’ve decided what kind of policy you’re looking for, Insurify will show you the best coverage options for your needs.
Here’s all you need to do to start getting your free quotes.
1. Gather information
First, gather your personal information. To get quotes from Insurify, you’ll need your:
Driver’s license
Driving record
Credit score
Current insurer
Make, model, and year of your vehicle
Insurify uses this information to provide you with the most accurate car insurance quotes possible. You’ll also need to provide the amount of coverage you’re looking for and other vehicle information, such as the vehicle identification number (VIN).
2. Determine how much coverage you need
Liability-only car insurance meets the state-minimum requirements for bodily injury and property damage coverage. Liability-only insurance may be the right policy if you rarely drive or have an older vehicle.
A full-coverage car insurance policy offers more protection. Full coverage includes liability insurance as well as collision and comprehensive coverage. Collision insurance covers damage to your car if you cause an accident. Comprehensive insurance pays for damage from non-collision incidents, like theft and extreme weather. Insurers also offer add-on coverages like gap insurance.
Liability coverage
Liability-only car insurance includes state minimums in bodily injury and property damage liability coverage. It may be adequate coverage for drivers who don’t drive much, have an older car, or can pay for damages out of pocket.
Liability coverage is cheaper than full coverage, but it leaves you more financially exposed in the event of an incident. You’ll also have to cover your vehicle damages and medical expenses in any accident you cause.
Full coverage
Full-coverage car insurance provides more thorough protection. It includes the minimum liability coverage mandated by state laws as well as collision and comprehensive coverage. It’s good for people who drive frequently, often have passengers, or couldn’t afford to pay for damages out of pocket.
Collision coverage
Collision coverage pays for damages to your car if you hit another vehicle, or a stationary object, such as a car, tree, fence, sign, or pole. It also covers rollover accidents and pothole damage.
Comprehensive coverage
Comprehensive coverage pays for any damages your vehicle suffers that aren’t related to a collision. This provides protection against theft, vandalism, fire, severe weather, falling objects, and cracked windshields.
Other optional coverages
Other coverages you may consider include personal injury protection (PIP), medical payments, uninsured motorist, roadside assistance, and gap insurance. These additional coverages can ensure you have thorough protection and that your policy limits are high enough that you won’t struggle to pay in the event of a covered accident.
Depending on where you live, PIP, MedPay, or uninsured/underinsured motorist coverage may be part of your state’s minimum requirements.
3. Review your free car insurance quotes
Once you know what kind of policy you need, you can input your information and compare car insurance quotes with Insurify. Shopping for car insurance online allows you to quickly compare real-time quotes from multiple insurers so you can find the best policy for your budget.
4. Buy a car insurance policy
Once you’ve selected a policy, you can purchase it online, through the Insurify app, or over the phone with one of Insurify’s fully licensed agents. Your Insurify agent will help you through the entire process, answer any questions you have, and secure your policy in just minutes.
Recent car insurance quotes from Insurify customers
See how much other Insurify customers paid for car insurance from different insurers. Then, compare rates to find savings for yourself.
*Quotes generated for Insurify users within the last 10 days. Last updated on March 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 4, 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 March 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Why Insurify is the top-rated quote-comparison platform
Insurify has helped insurance shoppers save a combined $44 million on car insurance premiums. The real-time quote-comparison platform unlocks customers’ best rates from 120+ partner insurance companies in minutes.
Insurify’s user-friendly platform also makes it easy to compare quotes and buy a car insurance policy online. Licensed insurance agents are a call or email away if you need assistance.
And remember, Insurify doesn’t sell your customer information like many other quote-comparison sites, so you won’t face a barrage of third-party cold calls.
Satisfied customers have given Insurify an average of 4.8 stars on Trustpilot and Shopper Approved.
No. 1
insurance comparison platform
According to Trustpilot, Shopper Approved, and the BBB
130M+
quotes offered
Our customers have compared 130 million+ car insurance quotes to unlock their best rates
$44M
in savings
Insurify shoppers lowered their annual premiums by up to $1,025† for a combined $44 million in savings
Tips for getting cheaper car insurance quotes
Here are five things you can do to get cheap car insurance:
Maintain a clean driving record. A blemish-free driving history is one of the best ways to keep your car insurance rates low. Insurers view drivers with incidents on their record as risky to insure because of the likelihood of repeated driving infractions. Maintaining a clean driving record makes you a safer bet in the eyes of insurers.
Compare quotes. Comparing auto insurance quotes is another great way to get cheaper insurance because you can see what multiple companies offer all at once. Review quotes from at least three insurers every six months to one year to ensure you keep your rates low.
Ask about discounts. Most insurance companies offer a wide range of car insurance discounts, including safe driver, auto and home insurance bundling, defensive driver, good student, and many others. Ask an agent about any additional discounts, products, or services you may qualify for.
Increase your deductible. Setting a higher deductible will often lower your premium. Just be sure you can afford the deductible out of pocket if you need to file a claim.
Improve your credit. In most states, insurers are allowed to consider your credit history when determining premiums. This means drivers with excellent credit typically pay less than drivers with poor credit.
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Why it’s important to compare car insurance quotes
Car insurance rates have skyrocketed in recent years, fueled by inflation. Rapidly rising rates have led to increased insurance comparison shopping, with Insurify customers saving up to $1,100† on their annual premiums.
Every insurance company rates risk differently, so comparing car insurance quotes with multiple companies can help you find a better rate. The table below shows average car insurance costs for the same driver profile from different auto insurers.
The below national rates are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company  | Average Monthly Quote: Full Coverage |
|---|---|
| Auto-Owners | $83 |
| COUNTRY Financial | $85 |
| NJM | $93 |
| USAA | $100 |
| State Farm | $107 |
| Mile Auto | $119 |
| Erie | $122 |
| Safeco | $139 |
| GEICO | $142 |
| Allstate | $143 |
| Direct Auto | $146 |
| Root | $151 |
| American Family | $153 |
| Mercury | $160 |
| Progressive | $160 |
| Elephant | $169 |
| National General | $170 |
| Anchor | $179 |
| The General | $180 |
| Nationwide | $183 |
| Travelers | $187 |
| Commonwealth Casualty | $188 |
| CSAA | $195 |
| Clearcover | $197 |
| Bristol West | $203 |
| Liberty Mutual | $207 |
| Plymouth Rock | $211 |
| Farmers | $211 |
| GAINSCO | $214 |
| Chubb | $216 |
| AssuranceAmerica | $221 |
| Dairyland | $226 |
| Shelter | $231 |
| 21st Century | $242 |
| The Hartford | $243 |
| State Auto | $273 |
| Amica | $432 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance quotes FAQs
Finding good, affordable car insurance doesn’t have to be a challenge. Here are answers to some of the most common questions about getting online car insurance quotes.
What information do you need to get a car insurance quote?
To get an accurate car insurance quote, you’ll need to share basic personal, vehicle, and coverage details. This includes your date of birth, address, vehicle year, make, and model, vehicle mileage, and coverage preferences.
How long are car insurance quotes good for?
Car insurance quotes are generally good for seven to 30 days. But quotes can change based on timing, underwriting, and your personal information.
Does getting a car insurance quote affect your credit score?
Not usually. Insurers typically use a soft credit inquiry instead of a hard inquiry, which doesn’t affect your credit.
What is the cheapest car insurance?
The cheapest car insurance for you depends on a variety of factors, and no single insurer will be the cheapest for everyone. But COUNTRY Financial, Auto-Owners, and USAA have the cheapest average car insurance rates, according to Insurify data. This makes them a great place to start your search for a new insurer. Keep in mind that regional insurers are typically cheaper than nationwide companies.
How much does car insurance cost?
The national average cost of car insurance is $136 per month. Drivers pay an average of $99 per month for liability insurance and $173 per month for full coverage.
Your rates will differ based on your individual driving characteristics.
What is the best way to get car insurance quotes?
Comparing quotes using a price-comparison platform is the best way to get car insurance quotes. Insurify’s system allows you to get accurate, custom quotes in less than five minutes without any spam risk. You also have the option to purchase a policy through Insurify’s website, mobile app, or one of its many licensed insurance agents.
How are car insurance quotes calculated?
Car insurance companies consider multiple risk factors when pricing premiums. Drivers with clean records have more affordable car insurance quotes than drivers with citations. Likewise, senior drivers have lower average premiums than young drivers since they’re less likely to get into an accident. Your gender, credit history, location, and vehicle also affect your rates.
How accurate are car insurance quotes?
Car insurance quotes are typically as accurate as the information you provide. If you give an insurer additional information after receiving your initial quote, like adding a household member to your policy, your rate may increase. Some insurers also offer discounts, which can bring down the price of your original quote.
Methodology
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:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
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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Cassie SheetsData Journalist, Personal Finance Writer
9 years writing data-driven content
Lifestyle contributor to 30+ local news sites
Cassie Sheets has a background in home and garden and real estate content. At Insurify, she translates industry jargon into insights that empower insurance buyers.
Featured in
Cassie Sheets has a background in home and garden and real estate content. At Insurify, she translates industry jargon into insights that empower insurance buyers.
Ashley CoxSenior Managing Editor
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.