Free Car Insurance Quotes Online From Top-Rated Companies
Comparing free car insurance quotes with Insurify saved drivers up to $1,025† on annual premiums, without the spam calls or junk emails.
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Written byCassie Sheets
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9 years writing data-driven content
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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 byChris Schafer
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Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
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As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Table of contents
Drivers often wait until their premiums surge to compare car insurance quotes. But shopping around regularly can save you hundreds of dollars annually.
Every insurer rates risk factors, like driving history, age, and gender, differently. So comparing quotes at least once a year can help you find a similar policy at a lower price.
A car insurance quote-comparison site like Insurify allows drivers to see real-time quotes from auto insurers. Insurify uses a few pieces of personal information, like your driving record, vehicle type, and current insurer, to pull quotes from multiple companies in minutes. Use the comparison-shopping guide below to 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 your insurance process.
With zero spam risk, you can compare car insurance quotes from more than 120 top insurers with Insurify in less than five minutes.
Insurance quote comparison is the best way to save money on car insurance.
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 July 3, 2025. 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 July 3, 2025. 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 3, 2025. 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 July 3, 2025. 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 more than 100 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
5 ways to get cheaper car insurance quotes
Here are five things you can do to secure 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 $1,025† 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 rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT.
Insurance Company  | Average Monthly Quote: Full Coverage |
|---|---|
| COUNTRY Financial | $45 |
| Auto-Owners | $70 |
| NJM | $85 |
| USAA | $99 |
| Mile Auto | $99 |
| State Farm | $116 |
| Erie | $117 |
| CSAA | $133 |
| Allstate | $133 |
| GEICO | $144 |
| Root | $145 |
| Safeco | $147 |
| American Family | $149 |
| Anchor | $159 |
| Mercury | $166 |
| Progressive | $170 |
| Direct Auto | $179 |
| Nationwide | $181 |
| Elephant | $186 |
| National General | $186 |
| Travelers | $190 |
| Clearcover | $198 |
| The General | $198 |
| State Auto | $224 |
| Chubb | $226 |
| Farmers | $227 |
| Bristol West | $227 |
| 21st Century | $229 |
| The Hartford | $229 |
| Shelter | $231 |
| Liberty Mutual | $246 |
| Commonwealth Casualty | $248 |
| AssuranceAmerica | $253 |
| GAINSCO | $257 |
| Dairyland | $289 |
| Amica | $401 |
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.
Auto 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.
Does it affect your credit to get a car insurance quote from Insurify?
No. Getting a car insurance quote from Insurify won’t affect your credit score.
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 $150 per month. Drivers pay an average of $107 per month for liability insurance and $193 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 90 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
Cassie Sheets has more than nine years of experience creating compelling content for clients, brands, and local news sites. She started her career at Movoto Real Estate, where she transformed dry data into interesting insights for potential homebuyers. She’s since covered a wide range of topics, from pop culture news to home and garden trends.
Before joining Insurify, Cassie wrote engaging landing pages and blog posts for medical practices at MyAdvice. Now, she uses her knack for diving into the latest data and pulling out key details to empower insurance buyers.
Cassie holds a BFA in Creative Writing from Columbia College Chicago. In her free time, you can find her exploring the city with her dog, trying not to fall over in yoga classes, and petting cats at the shelter.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.