Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Online car insurance quotes
Bankrate’s team of insurance professionals uses real-world industry experience to help you find the best free online car insurance quotes for your needs and budget. Unlock cheap rates from the top companies with this guide.
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict , this post may contain references to products from our partners. Here’s an explanation of . Our content is backed by Coverage.com LLC, a licensed entity (NPN: 19966249). For more information, please see our
What To Know First
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How do I get a car insurance quote?
1. Determine your priorities
2. Consider how much you want to spend
3. Build your desired coverage package
4. Gather your documents
- Driver information: You will need to provide basic information for all the drivers you'd like included on your quote (names and birthdays, for example). While you probably won't need their driver's license numbers during the quoting process, you will need them to purchase the policy — you may want to gather this information now to make it easier to purchase the policy later. Additionally, the company may ask for your Social Security Number so it can run your insurance-based credit score.
- Vehicle information: Providing your vehicle identification number (or VIN) when requesting a quote can help ensure that you receive all the vehicle safety discounts you may be eligible for.
- Driving history: It's vital to give a detailed account of the accidents, tickets and suspensions you and any other drivers have received over the last three to 10 years. This is because most companies don't run driving records until you decide to purchase the policy. Failure to provide this information during the process could result in a quoted premium that is artificially low.
5. Request free car insurance quotes
- Shop for auto insurance online: Many companies now allow customers to quote a car insurance policy online through their websites. After providing some personal information, you can then select the coverage types and limits that you want. Some companies may let you start the policy immediately with a payment, while others may finish the process by having one of their representatives call you over the phone.
- Contact a captive insurance agent: A captive insurance agent, sometimes also called an “exclusive” or “dedicated” insurance agent, is an insurance agent that works on behalf of only one insurance company. Many major car insurance companies, such as State Farm, Allstate and Farmers, operate through captive insurance agents. This type of agent only sells the insurance products their company offers, but has knowledge of the company’s underwriting guidelines and claims process.
- Work with an independent insurance agent: In contrast to a captive agent, an independent insurance agent represents multiple carriers. An independent agent will shop for your coverage selections with different carriers they represent to provide you with comparable quotes. Some shoppers find independent insurance agents convenient since the agent does the legwork by collecting the quotes for you. Insurance brokers are very similar to independent agents, but some may charge a fee to provide their shopping service.
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What can affect my car insurance quotes?
Car insurance is like a fingerprint — car insurance companies may use almost a dozen different rating factors to determine your premium. Although these factors can vary depending on your state, some may include your age, gender, location, driving history and credit score. Additionally, the type of vehicle you drive and the level of coverage you select will impact the cost of your car insurance. With this in mind, the best car insurance quote will be different for everyone. The best way to find the cheapest policy that suits your individualized needs is to request free quotes and shop around.
Age and gender
Driving history
Clean record | Speeding ticket | At-fault accident | DUI conviction | |
---|---|---|---|---|
National Average | $2,014 | $2,427 | $2,854 | $3,091 |
AAA | $2,562 | $3,131 | $3,717 | $5,569 |
Geico | $1,353 | $1,658 | $1,988 | $3,351 |
Progressive | $1,642 | $2,140 | $2,638 | $2,156 |
State Farm | $1,480 | $1,704 | $1,876 | $2,431 |
Travelers | $1,551 | $2,019 | $2,149 | $3,038 |
USAA | $1,361 | $1,652 | $1,971 | $2,620 |
*based on full coverage
Location
Credit score
Credit tier | Average annual rate* |
---|---|
Excellent | $1,764 |
Good | $2,014 |
Average | $2,176 |
Poor | $3,479 |
*based on full coverage
Vehicle
The type of car you drive also plays an important role in your car insurance premium. Luxury vehicles tend to have higher premiums, due in part to expensive repair costs for labor and parts. Technology-based safety sensors can make your car safer, for instance, but may actually drive your premium up because they are so expensive to repair or replace. Contrary to popular belief, economy models aren’t always the cheapest cars to insure, either. Because so many of them are on the road, it’s more likely that they will be involved in an accident or be targeted for vandalism and theft.
How do I get the right car insurance quote for me?
Frequently asked questions about car insurance quotes
Methodology
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible