How to Compare Car Insurance Quotes 2024
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How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

How to Get Free Car Insurance Quotes 2024

Updated on:
Content was accurate at the time of publication.

A car insurance quote is more than the estimated cost of a policy you’re thinking of buying. It’s also a free tool you can use to get cheap car insurance.

Find the Cheapest Car Insurance Quotes in Your Area

The key is to compare car insurance quotes from several different companies. This makes it easy to see which company is offering you the cheapest premium for the types and amounts of car insurance coverage you need.

To get an instant car insurance quote, all you need to do is:

  • Go to an insurance company’s website.
  • Look for a button or field that says something like, “Get a quote.” You might need to go to the car or auto insurance section of some sites to find this.
  • After you click on that button, you’ll be asked to share certain details about yourself, your vehicle and the policy you want.
  • That’s it for most insurers. Now you get your quote.

You can also get car insurance quotes from insurance comparison sites. On these sites, you share your info once and then receive quotes from multiple companies.

Although getting auto insurance quotes online is fast and easy, you can get them by calling or talking with an agent in person, too.

To compare car insurance quotes:

  • Get quotes from several car insurance companies.
  • Look at the quotes you receive side by side. Make sure they all provide the same coverage types and amounts. If they don’t, correct any that are different.
  • Consider the premiums of each quote. Keep in mind that some quotes may show a monthly rate, while others will show an annual rate.
  • Do all of the quotes include one or more discounts? If not, they could make a big difference.
  • If all else is the same, the quote with the lowest premium is probably the best one for you.

Most drivers get the cheapest car insurance quotes from State Farm. State Farm charges $50 a month for liability car insurance and $124 a month for full-coverage car insurance, on average.

Drivers with ties to the military may get even cheaper car insurance rates from USAA.

Cheapest car insurance companies for full coverage

CompanyAverage rate
State Farm$1,487
Travelers$1,919
American Family$1,920
Geico$1,937
Progressive$2,032
Nationwide$2,226
Allstate$2,609
Farmers$3,091
USAA*$1,203

Find the Cheapest Car Insurance Quotes in Your Area

Cheapest car insurance companies for liability coverage

CompanyAverage rate
State Farm$597
Geico$727
American Family$728
Progressive$791
Travelers$835
Nationwide$963
Allstate$1,158
Farmers$1,188
USAA*$412

The average cost of car insurance is $165 a month, or $1,976 a year, for full-coverage car insurance. For liability car insurance, the average cost is $64 a month, or $773 a year.

Car insurance companies ask for certain pieces of personal information before they send you a quote:

  • Your name
  • Address
  • Date of birth
  • Marital status
  • Driver’s license number
  • Vehicle identification number of any car you want your policy to cover

They’ll also want to know the names and dates of birth of anyone else in your household.

If you’ve been in any accidents or cited for any driving violations, you’ll have to share those details with an insurance company, too.

You may be able to get a quote without some of this info, but the estimate you receive won’t be accurate until the insurer has all of it.

Companies consider many factors when coming up with your car insurance quote, such as your:

  • Driving record
  • Insurance claim history
  • Car make and model
  • ZIP code
  • Age
  • Gender
  • Marital status

You’ll likely get a cheaper quote with a clean driving record than you will if you’ve been in multiple accidents, for example. And if you’re a teen who has just started driving, you’ll get a higher quote than you would if you were 35 and you’ve been driving for years.

Are car insurance quotes free?

Yes, car insurance quotes are free. A reputable company will not charge you for a car insurance quote.

You also aren’t obligated to buy a car insurance policy from a company that sends you a quote.

You get a car insurance quote when you contact an insurance company about buying a policy from them.

The quote itself is an estimate of what you will pay for a car insurance policy from that company. It’s based on information you share about yourself and the types and amounts of car insurance coverage you want the policy to include.

You should get car insurance quotes because they let you review what a company might charge you for a car insurance policy before you agree to buy it. They can also help you save money by letting you see which insurer will offer you the lowest price.

You should compare quotes because doing so is one of the best ways to get the cheapest car insurance rate for your needs and situation. The best way to compare car insurance quotes is to get and compare quotes from multiple companies — three, at least. By comparing quotes from several companies side by side, you can easily figure out which quote has the most coverage for the most affordable rate.

It shouldn’t take you more than a few minutes to get a car insurance quote online. How long it takes depends on how much information the company asks you to share. Some ask for more than others. Getting a quote may take longer if you start the process over the phone or in person with an agent.

You can get car insurance quotes as often as you like. To make the most of your time, though, you should wait to get and compare car insurance quotes every six to 12 months. This makes it most likely you’ll save money with one of the companies you include in your comparison.

A car insurance quote shouldn’t cost anything. Car insurance quotes are free unless they come from an untrustworthy company.

You can, but it will also change the price of your quote. And if you only change parts of one policy or quote, it will no longer be comparable to any other quotes you receive. For the most accurate comparison possible, use the same information for all of your quotes.

It’s up to you if you get car insurance quotes online, over the phone or in person from an agent. Over the phone and in person let you ask questions and clear up any issues that may pop up, but they also usually take longer. Getting quotes online is fast, but it can also be tough if you hit any snags.

A car insurance quote is an estimate of what you’ll pay for a policy if you go ahead and buy it. A quote isn’t a policy. You get a quote from a company so you can review the cost and other aspects of a policy before buying it.

Methodology

LendingTree obtains rates from insurance company filings reported to Quadrant Information Services. Rates are based on an analysis of car insurance quotes for sample drivers.

Unless stated otherwise, we used thousands of car insurance quotes from across the U.S. for a 30-year-old man with good credit and no tickets, accidents or DUI convictions, driving a 2015 Honda Civic EX.

For full-coverage policies, the following coverage limits were used:

  • Bodily injury liability: $50,000 per person, $100,000 per accident
  • Property damage liability: $25,000
  • Uninsured motorist: $50,000 per person, $100,000 per accident, where required by law
  • Personal injury protection: Minimum limits, where required by law
  • Collision: $500 deductible
  • Comprehensive: $500 deductible

Prices are shown for comparative purposes only. Your rates may vary.

*USAA is only available to current and former members of the military and their families.