Get Free Car Insurance Quotes Online (August 2025)
Online quotes are the fastest way to compare car insurance rates from multiple companies. See your personalized results from 80+ companies that are competing to insure your car.
Get Free Auto Insurance Quotes In Your Area
Easiest way to get free car insurance quotes
Agents or online marketplaces like ValuePenguin let you get multiple quotes at once. This means you won't have to fill out a quote form for each insurance company.
ValuePenguin works with trusted national car insurance companies to help you find your best rate quickly, simply and easily — for free.
Find InsurersYes, if you'd rather not share your phone number when checking your car insurance rates, use ValuePenguin's car insurance calculator 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.
- 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 for you.
- 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.
Best companies for online car insurance quotes
If you want to deal directly with insurance companies, the five best companies to get online auto insurance quotes are State Farm, Progressive, Geico, Liberty Mutual and Nationwide.
Company |
Quote process
|
Online discount
| |
|---|---|---|---|
| Progressive | About 7% | |
| State Farm | No | |
| Liberty Mutual | Up to 12% | |
| Nationwide | No | |
| Geico | Yes | |
Find Cheap Auto Insurance Quotes in Your Area
Insurance companies usually need the same information to give you a car insurance quote. But some companies make the quote process easier by looking up the information for you or having a good website.
- Progressive is the easiest company for getting an online car insurance quote.
- State Farm has the cheapest rates overall, even though you don't get a discount for shopping online.
- Liberty Mutual has the highest potential discount for getting a car insurance quote online — up to 12% savings.
- Nationwide stands out for its coverage add-ons like accident forgiveness and vanishing deductible , even though its quote process is fairly typical.
- Geico has a frustrating and old-fashioned website for getting quotes. Instead, use Geico's app for easier online quotes.
Progressive auto insurance quotes
Progressive monthly quotes | Is it cheap? | |
|---|---|---|
| Minimum liability | $67 | |
| Full coverage | $173 | |
| After a ticket | $227 | |
| Poor credit | $302 | |
- Use the easy online quote process: Progressive has one of the easiest processes for getting online quotes. The form is relatively short and simple to fill out. There's also a tool that helps you adjust your policy's coverage to fit your budget. This lets you scale how much coverage you get to fit in your budget.
- Rates are close to average, but there are lots of ways to save: Progressive's quotes are slightly cheaper than average for most drivers, and rates may be very cheap after Progressive's discounts. You can save an average of 7% just for getting a car insurance quote online and save 9% for signing your documents online.
- Mediocre customer service: Progressive only has a 3-star rating from ValuePenguin editors because of its longer claims process and poor customer satisfaction. So even though getting quotes is easy, Progressive may be more stressful if you're in a car accident.
State Farm car insurance quotes
State Farm's monthly quotes | Is it cheap? | |
|---|---|---|
| Minimum liability | $55 | |
| Full coverage | $134 | |
| After a ticket | $146 | |
| Poor credit | $540 | |
- Getting an online quote is a typical process: State Farm's online quote process is fairly standard, asking for basic info about your car and where you live. One downside is that there can be many questions if you recently moved or if it can't find your driving details. However, the online form helps you understand the questions, which is useful when you're not familiar with car insurance.
- Quotes are cheap: State Farm has the cheapest car insurance quotes for most drivers. However, you don't get an extra discount for shopping online. And if you have poor credit, Geico is a better deal than State Farm.
- Sometimes you'll need to talk to an agent: You can usually buy car insurance online from State Farm after getting a quote on its website. However, sometimes the form will connect you with an agent to complete the purchase. For example, if State Farm can't verify details about your car, you may need to talk to an agent to make sure your coverage is right.
Liberty Mutual car insurance quotes
- Can be expensive, but there are ways to save: Liberty Mutual tends to have expensive car insurance rates. But you can save up to 12% by 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 coverage with three package levels and options for customization.
Nationwide car insurance quotes
Nationwide's monthly quotes | Is it cheap? | |
|---|---|---|
| Minimum liability | $85 | |
| Full coverage | $200 | |
| After a ticket | $265 | |
| Poor credit | $295 | |
- Cheap quotes if you have poor credit: Nationwide's quotes are a good deal if you have a poor credit score. But otherwise, Nationwide car insurance tends to be expensive. You won't get a discount for getting a quote online. But there are other Nationwide discounts, 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, sometimes there will be a delay while the website processes your information.
- Coverage add-ons can be worth it: Nationwide's many coverage options let you get online car insurance with lots of extras.
Geico car insurance quotes
Geico's monthly quotes | Is it cheap? | |
|---|---|---|
| Minimum liability | $66 | |
| Full coverage | $176 | |
| After a ticket | $230 | |
| Poor credit | $284 | |
- Can be frustrating to get online quotes: It can be time-consuming to get car insurance quotes through Geico's website because you'll often have to answer lots of questions, and the form isn't easy to use.
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Geico's app is an easier way to get quotes: When getting online quotes, Geico's app is faster and more user-friendly than its website. Plus, it has at least 4.6 stars from millions of users. And if you buy the policy, the app is a helpful tool for managing your coverage and filing claims.
- Sometimes has cheap rates: Geico can be cheap if you're getting basic coverage or if you have poor credit. Plus, you could get a discount for getting a quote online.
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 state
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 state
Auto insurance quotes by state
How to get car insurance quotes
Step 1: Choose where to get car insurance quotes
Getting free auto insurance quotes online is the best choice if you want rates quickly. However, using an agent can give you personalized help and advice.
Online quotes from a marketplace
Online quotes from an insurance company
Quotes from an agent
Quotes 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 2: Decide how much coverage you need
Most drivers should get full coverage auto insurance quotes that include comprehensive and collision coverage.
There are three levels of coverage.
- A liability-only insurance policy is the cheapest car insurance you can get. This gives you enough coverage to meet your state's rules, but typically, it isn't enough insurance to pay for a major accident.
- 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 has a value of at least $5,000 or you don't have the savings to replace your car if it's totaled.
- Special coverage options such as roadside assistance or rideshare insurance can be added on to your insurance policy. 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 and even funeral expenses to another driver for accidents you caused.
- 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 pays for expenses when another driver doesn't have any insurance or doesn't have enough insurance to cover all the bills.
Step 3: Fill out the quote forms
To get an online car insurance quote, you'll enter basic info about yourself, your car and your driving record. This gives you personal rates based on your details.
Some quote forms will make the process easier by using records from your state's DMV to automatically fill in details about your car model, driving history and current coverage.
What info do I need for online car insurance quotes?
About your car
About each driver
- Year, make and model
- Trim level
- Annual mileagex
- If the car is used for commuting, pleasure, or business
- If the car is owned, leased or financed
- Security and safety features
About your car
- Year, make and model
- Trim level
- Annual mileagex
- If the car is used for commuting, pleasure, or business
- If the car is owned, leased or financed
- Security and safety features
About each driver
- Full name and address
- Birth date, gender and marital status
- How long you've had your driver's license
- How long you've been with your current insurance company
- Driving incidents in the past five years
- Insurance claim history for the last five years
Be as accurate as you can when you're asked about dates for prior policies or accidents. Insurance companies check your answers against a database of previous insurance claims, called CLUE.
Not all car insurance quotes give you final rates. You may get a preliminary quote if the insurance company can't find your driving records. Before buying the policy, you could need to enter more information like your Social Security number and VIN (vehicle identification number). Preliminary quotes could change after the insurance company has your driving records and your credit score.
- It usually takes about five minutes to fill out an online quote form.
- You'll get your car insurance quote instantly.
- Then you can usually start your policy as soon as the same day.
- Getting car insurance quotes won't hurt your credit score.
Step 4: Compare quotes from multiple companies
Compare car insurance quotes from about three companies to find the best deal for your situation. Each company sets rates in a different way and will charge different amounts for the same level of coverage.
- 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. Quotes are usually binding so saving the reference number 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.
If you get an extremely high car insurance quote, shop around to get quotes from more companies.
When a company's quote is much higher than the average cost of car insurance for your area and driving history, it usually means the companies don't want to give you insurance. They'll give you a very high quote instead of saying "no" outright.
For example, if a company wants to stop issuing policies near the coast, they may give auto insurance quotes of $1,000 per month as a way to avoid getting new customers.
Step 5: Find the best deal on car insurance
- Get as many car insurance discounts as you can. Be sure your details are right when filling out your quote form so you can find all the discounts you're eligible for. Even the model of your car could mean you have security features that help you save.
- Bundle your insurance or get on a family plan. Usually the more insurance you have on the account, the bigger your total savings.
- Check your credit report, and correct any errors. You could be paying more for car insurance because of errors in your credit report. That's because having a poor credit score can double your car insurance rates. You can check your credit for free once per year, and it usually takes about a month for credit reports to get fixed.
- Raise your comprehensive and collision deductible. A higher deductible makes your insurance cheaper because your insurance will pay out less after an accident. However, be sure to choose a deductible you can easily afford in an emergency.
-
Take a defensive driving course. Defensive driving courses are a good deal because you'll usually save more in insurance than you pay to take the course. Plus, most people can take a class online without needing a driving test.
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Consider storing your car in a secure garage. If you are getting high quotes because auto thefts are common in your area or your car model is easy to steal, you may be able to save by securing your car. Look for cheap garages near where you can park your car, and work with an agent to see how much the extra security can lower your insurance quotes.
- Sign up for a program that lets insurance companies track your driving. Usage-based car insurance can help you prove to insurance companies that you're a good driver, and save you as much as 40%. Programs through State Farm and Nationwide are the best because bad driving habits won't cause your rates to go up.
- Consider trading in your car to get an older model that you can own outright. With this car insurance hack, you can cut your rates in half by getting liability-only car insurance instead of the more expensive full-coverage policy that's required when you have a car loan or lease. This is a great way to get cheaper quotes for teens or commuters who need a basic way to get around. But make sure you have the savings to pay to repair or replace the car yourself after an accident, because insurance won't help cover your costs.
- Get quotes from non-standard insurance companies or through a state program. If you're not able to get insurance from major insurance companies, try getting quotes from companies that specialize in hard-to-insure situations. You may also be able to find insurance through a state program called an "assigned-risk pool" that can help you get coverage when you can't get a policy elsewhere.
- Ask yourself if you can get by without your own car. If you live in a city or don't drive often, you may get a better deal by using a combination of public transportation, car rentals and ridesharing services. For example, a young driver with high quotes could put off buying car insurance until after school when they can afford the high monthly bill. Another option is to borrow a car from a friend or family member, and get a non-owner insurance policy which can be as low as $18 per month.
Factors that affect car insurance quotes
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 areas.
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 can go up by about 50% 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 the Jeep Wrangler 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.
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?
You can sometimes get a discount for buying car insurance online, but it varies by company. The best online discount is from Liberty Mutual where you can save up to 12% for getting an online quote. But cheap car insurance companies like State Farm may be a better deal, even though there isn't a discount for buying 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.
The car insurance quotes process was rated by using a sample shopper to request an online quote on each company's website. We considered how long the process took, how easy the form was to use, and the results after completing the form.
Expert insights to help you make smarter financial decisions
ValuePenguin has assembled an exclusive panel of professionals across various areas of expertise to help you understand complex topics and empower you to make smarter financial decisions.
- Mandatory financial products, like car insurance, allow socioeconomic status and geotargeting by ZIP code to influence the price one consumer gets compared to another. Do you believe these non-driving characteristics should play a role? Why or why not?
- A study conducted by ValuePenguin highlighted that 92% of policyholders who recently switched auto insurance companies saved money. Despite this, most policyholders (65%) don't get outside quotes for comparison. Why might these drivers be hesitant to seek additional quotes from other insurers?
- According to a ValuePenguin analysis, quotes for teenagers are three times as expensive as quotes for drivers in their mid-30s and closer to four times the rate for drivers in their mid-50s. Do you believe these prices appropriately reflect their increased risk? Why or why not?
- Electric vehicles are becoming more and more popular by the day. With the rise of EVs comes new risks for insurers to consider, such as battery fires and cyber security. How do you think the increasing use of electric vehicles will affect the auto insurance industry and pricing going forward?
- Lars Powell, Ph.D.
- Executive Director of the Alabama Center for Insurance Information and Research
- Read answer
- Lynne McChristian
- Director of the Office of Risk Management and Insurance Research
- Read answer
- Lars Powell, Ph.D.
- Executive Director of the Alabama Center for Insurance Information and Research
- Read answer
- Lynne McChristian
- Director of the Office of Risk Management and Insurance Research
- Read answer
Lars Powell, Ph.D.
Executive Director of the Alabama Center for Insurance Information and Research, University of Alabama
Mandatory financial products, like car insurance, allow socioeconomic status and geotargeting by ZIP code to influence the price one consumer gets compared to another. Do you believe these non-driving characteristics should play a role? Why or why not?
Very few of the variables used to rate and underwrite auto insurance would be considered "driving factors," but all of them are highly correlated with crashing and claims. In fact, because they are all used based on their correlation with claims, they could all reasonably be considered driving factors. I believe they should be used to set insurance rates because they are accurate predictors of claims.
A study conducted by ValuePenguin highlighted that 92% of policyholders who recently switched auto insurance companies saved money. Despite this, most policyholders (65%) don't get outside quotes for comparison. Why might these drivers be hesitant to seek additional quotes from other insurers?
People do a lot of things that seem to go against their financial interests. Some people lack knowledge of the insurance market; some people don't think shopping is worth the trouble, and other people like or trust their insurance agent and don't want to find a new one. I expect this behavior to become less frequent as more people buy insurance online.
According to a ValuePenguin analysis, quotes for teenagers are three times as expensive as quotes for drivers in their mid-30s and closer to four times the rate for drivers in their mid-50s. Do you believe these prices appropriately reflect their increased risk? Why or why not?
These prices are still too low in most cases. The average 15-year-old male driver has a 1-in-5 chance of crashing in the first year that they drive. The average 50-year-old driver might have a 1-in-35 chance of crashing. Insurers subsidize youthful driver premiums so that they do not lose the rest of the family as customers.
Electric vehicles are becoming more and more popular by the day. With the rise of EVs comes new risks for insurers to consider such as battery fires and cyber security. How do you think the increasing use of electric vehicles will affect the auto insurance industry and pricing going forward?
Electric vehicles can only increase the cost of insurance. Battery fires could increase homeowners insurance risk, and the cost of repairing EVs increases auto insurance risk.
Lynne McChristian
Director of the Office of Risk Management and Insurance Research at Gies College of Business, University of Illinois Urbana-Champaign
Mandatory financial products, like car insurance, allow socioeconomic status and geotargeting by ZIP code to influence the price one consumer gets compared to another. Do you believe these non-driving characteristics should play a role? Why or why not?
The saying in real estate is that location matters. It matters with driving, too. If one lives in a rural area absent the daily annoyance of rush hour traffic, there are typically fewer car crashes and related injuries.
If a ZIP code is in a big city with considerable traffic congestion and a high population, then accidents are more likely. Big city drivers pay more.
It's what happens in that ZIP code that provides a data point that makes insurance pricing reflect the risk. Absent using data that has been consistently proven to correlate to increased insurance claims, those rural drivers would pay more than what is fair based on their risks.
A study conducted by ValuePenguin highlighted that 92% of policyholders who recently switched auto insurance companies saved money. Despite this, most policyholders (65%) don't get outside quotes for comparison. Why might these drivers be hesitant to seek additional quotes from other insurers?
I think many policyholders do not shop for coverage because they are satisfied with their current insurance carrier. In fact, auto insurance claims satisfaction is high, and that means people want to stick with the companies they know that have delivered good customer service.
Another issue is that many people really don't take the time to shop around. It could pay off and be educational at the same time. When you shop, however, you want to make sure the insurance protection remains consistent with what you need. Buying what is cheaper could shortchange your protection level.
According to a ValuePenguin analysis, quotes for teenagers are three times as expensive as quotes for drivers in their mid-30s and closer to four times the rate for drivers in their mid-50s. Do you believe these prices appropriately reflect their increased risk? Why or why not?
The cost of insurance reflects the risks. Automobile insurance for teen drivers is three times the cost of mid-aged drivers because teen drivers are three times more likely to be involved in a fatal crash, according to data from the Insurance Institute for Highway Safety. The number of crashes and fatalities is disproportionally higher for drivers between the ages of 16 and 19.
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.
