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Anonymous car insurance quotes

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Anonymous car insurance quotes may seem appealing in the sense of protecting your personal information, but doing so is likely to result in highly-inaccurate rate information. Trying to compile a car insurance estimate without personal information is difficult for insurers to do, and will result in a rate that does not likely align with what you would actually pay for car insurance. However, some quote tools do request less information than others. If you’re looking for car insurance and want to keep your personal information private, there are a few tips and tricks to keep in mind. Just remember that quotes are estimates based on information provided and final numbers are likely to vary by provider and your specific life circumstances.

What information do insurance companies generally require to get a quote?

In most situations, auto insurers require a handful of personalized details when providing rates for recommended coverage. Looking at these variables helps the insurance company to estimate the financial risk associated with insuring any given customer and vehicle.

  • Age — Different age demographics have associated statistical probability of getting into an auto accident, committing a traffic violation, or receiving a ticket. In general, the youngest and oldest drivers have higher average chances of these incidents and are more expensive to insure. Hawaii is the only state that bans age as a rating factor.
  • Driving record — Driving history is one of the top indicators for how a driver will perform on the road. The more tickets or accidents a person has had, the greater the chances the trend will continue. This can impact how expensive a person is to insure and serves as a significant factor in determining rates as it directly affects the likelihood an insurer will have to pay out on a costly claim.
  • Drivers license — Your driver’s license is used both as proof of identity and proof that you are legally permitted to drive. While this won’t necessarily impact your quote, it is often necessary in order to obtain a quote.
  • Address — Where you live can have a notable impact on the likelihood of vehicle theft and the chances of having an auto accident. These factors can contribute to higher or lower premiums based on the risk that correlates to your ZIP code. There are five states that ban the use of zip codes as a rating factor: CA, HI, MA, MI, & WA
  • Vehicle information — The make and model of your car, as well as its VIN, are generally required. Different vehicles have different safety ratings and repair and replacement costs. All of these variables factor into how expensive a car is to insure.
  • Coverage limits and types — Before getting a quote, the company needs to know what level of protection you desire. The type of coverage — collision, liability, comprehensive, or others—and the limits on those coverages are needed to calculate a quote.

Can you get an anonymous car insurance quote?

While you could attempt to submit a quote with some omitted details, it’s challenging to get car insurance quotes without giving personal information, let alone a quote that is accurate. When premiums are calculated, the formula is based chiefly on your personal information and background. Details like your driving record, age, address, insurance score, vehicle, and others contribute to these calculations. From an insurance company’s perspective, it would be considered inaccurate to offer anonymous car insurance quotes, knowing that your actual policy cost is based on your undisclosed factors.

This inaccurate quote could mislead people into thinking their rate would be higher or lower than it really would be, once all details relevant to the quote are actually disclosed. Imagine receiving an anonymous quote for a relatively low price and then applying for the policy and ending up with a higher price tag. Because “anonymous quotes,” or quotes lacking in personal details, would inevitably be less accurate, most quote tools require a basic level of information to be able to submit online. This helps level-set expectations for everyone involved.

How do you get an anonymous insurance quote?

There are two ways you might be able to obtain an anonymous auto insurance quote. You may be able to find a company that allows it, or your second option would be to use a website comparison tool that will find these companies for you.

Find a company that allows it

Some auto insurance companies will allow you to get quotes using minimal information. Even so, there are some essential details that are still commonly required. Items such as age, ZIP code and driving record are generally required — even for drivers intending to be as anonymous as possible. With these variables, some companies can provide reasonably accurate quotes.

Use a comparison website

Comparison websites and tools can use minimal information to gather quotes quickly from multiple insurance providers. These websites often use the same basic information as individual companies do, meaning that you’ll still have to provide your ZIP code, age and basic driving history. Then, the comparison website will query numerous companies with that information to provide you with a list of competing quotes.

What do you do after you get an anonymous car insurance quote?

Once you’ve selected a quote and the company offering it, keep a copy on hand for reference when you apply for your policy. It serves more as a guide for what types and limits of coverage you selected.

Without having all details at hand, your quote will likely differ from the final cost. Quotes are not binding agreements but estimates of expected cost based on the information available at the time. When you sit down with the company, you will have to provide them with any needed information that wasn’t already obtained. While quotes can sometimes be gained with some level of anonymity, getting actual policies and rates requires specifics.

Frequently asked questions

Should I get an anonymous car insurance quote?

If revealing your personal information while hunting for auto insurance makes you uncomfortable, then looking for an anonymous insurance quote option would be understandable. In general, however, if you are considering a policy and want to know what the expected cost is, being more detailed in the information you provide will result in a more accurate quote.

Who has the best car insurance?

Depending on your needs and your circumstances, different car insurance companies may be best. Policies and rates can vary strongly between individuals, based on personalized factors and information you provide, which means the best way to find the right car insurance for you is to compare quotes from multiple car insurance companies.

How much does car insurance usually cost?

Costs vary between locations, companies, and drivers. The national average in the U.S. for a full coverage policy is $1,674 per year, based on Bankrate’s 2021 study of quoted annual premiums from Quadrant Information Services.

Written by
Joshua Cox-Steib
Insurance Contributor
Joshua Cox-Steib has two years of experience in writing for insurance domains such as Bankrate,, The Simple Dollar,, and more. His work has also been featured on such sites as MSN and BBB (Better Business Bureau). His insurance writing career has spanned across multiple product lines, with a primary focus on auto insurance, life insurance, and home insurance.
Edited by
Insurance Editor