Auto Insurance Quotes Using a VIN

Auto insurance quotes using a VIN are more accurate because the VIN provides details about the car that affect rates. Toyota Camry LE rates are $17/month less than a Toyota Camry Hybrid, and getting auto insurance quotes with your VIN will ensure it's for the correct model and trim. You can also conduct a VIN lookup to make sure your car has never been stolen or salvaged.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Aug 30, 2021

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Things to Know:

  • The Vehicle Identification Number (VIN) is a vehicle’s unique identification code.
  • A VIN describes the vehicle’s trim, size, and features
  • You don’t need to get auto insurance quotes with a VIN, but it makes the quote more accurate

Requesting auto insurance quotes using a VIN allows the insurance company to give you the most accurate quote for your vehicle. If you have ever gotten cheap auto insurance quotes that suddenly went up when you provided more information, you know why accuracy matters. But why does VIN matter?

All of the details that go into an insurance quote can be confusing, but we’ll explain. Below you will find all of the information on what a VIN is and why getting a car insurance quote with the VIN makes a difference, particularly full coverage auto insurance quotes.

You don’t have to use your VIN to get rates – we can help. Enter your ZIP code in our free comparison tool for quick auto insurance quotes, whether or not you know your VIN.

What is a VIN?

A Vehicle Identification Number (VIN) is a vehicle’s unique signature. It’s a specific code used to identify the vehicle. VINs have 17 characters made up of digits and capital letters. that act as a unique identifier for the vehicle.

VINs will show the vehicle’s unique features, specifications, and manufacturer. The VIN can be used to track recalls, registrations, warranty claims, thefts, and insurance coverage.

Do you need to give a VIN for an auto insurance quote?

A common question we’re asked, “When asking for an auto insurance quote, do I need the car’s VIN?” You don’t need a VIN to get an auto insurance quote.

As you shop for auto insurance, you’ll have the option to enter your vehicle information manually. Getting an auto insurance quote with the VIN is a faster way to get to the cheapest auto insurance rates.

How?

The insurance rate is different for each type of car, and for each trim level. When you use your VIN, it’ll describe the vehicle’s trim, size, and features. These are all factors that determine auto insurance. Let’s look at Toyota Camry insurance rates and how different trims of the same vehicle have different auto insurance rates.

Average Toyota Camry Auto Insurance Rates by Model and Trim
Toyota Camry Model and TrimAnnual RatesMonthly Rates
Toyota Camry LE$1,342$112
Toyota Camry SE$1,386$116
Toyota Camry XLE$1,432$119
Toyota Camry Hybrid$1,548$129
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Of course, you can insert the model and trim into an online form or tell an auto insurance agent over the phone about your vehicle. However, the VIN goes into specifics about the vehicle.

See how the auto insurance rates vary by model and trim. Auto insurance quotes comparison can be just as easy when you use your VIN with different auto insurance companies.

Car insurance quotes by VIN are always more accurate.

Can you get an auto insurance quote on a car you don’t own?

Yes. You can tell the auto insurance agent or online form about the vehicle you want to insure. You’ll need to know the name, model, and trim of the vehicle. Also, you can get an auto insurance quote using the VIN if you have it.

This method is common if you’re a parent whose insuring a vehicle for a teen driver. Primary policyholders will also need VINs of other vehicles that are added to an auto insurance policy.

How can I get an auto insurance quote without a car?

If you don’t own a car, you won’t be able to provide a VIN until you own or lease a vehicle. However, you can still get a quote. In an online form, in person, or over the phone, tell the auto insurance company the model, trim, and year of the vehicle you want to insure.

You should receive an estimate of how much auto insurance will cost. The process may require some other personal information to accurately estimate how much you’ll pay for auto insurance.

What is a VIN insurance check?

Auto insurance companies will eventually run a VIN insurance check. One of the most popular VIN insurance tracking tools is VINCheck®.

According to the National Insurance Crime Bureau (NICB), VINCheck® is a free service. The NICB VIN check allows the public to check whether a vehicle has been reported as stolen, but not recovered, or has been reported as a salvage vehicle by participating auto insurance companies. It is very easy to do a VIN lookup and find information about your vehicle.

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What information do you need to get auto insurance quotes?

There are many factors that affect car insurance rates, such as age, driving history, type of auto insurance coverage, and the type of car you drive. The information that the car insurance company will need reflects these factors, so be sure to have your information ready when filing out an online form.

Here is the information you need to have on hand to start comparing auto insurance quotes:

  • Personal information – Name, age, date of birth, driving history, and driver’s license number will all be needed to get an accurate quote.
  • Vehicle information – If you don’t have your VIN, you will need to know your car’s information, such as year, make, model, and mileage.
  • Be honest about your driving history – You can’t hide those accidents or tickets in your past, so be upfront about your driving record.
  • Know the type of coverage you are interested in – Car insurance isn’t one size fits all so think about the coverage you need before you start getting quotes.

Some things that affect your car insurance rates are out of your control, like your age. However, there some things like your driving record that you can use to improve your auto insurance rates.

Improve your driving record and credit history, as well as asking for all insurance discounts that you are eligible to bring down your rates.

Compare auto insurance quotes from different companies to find the best coverage at the cheapest price. You can do that by calling around or using an online tool to find the best deals.

Which comparison site is best for auto insurance?

The best comparison site is up to the consumers. Customer reviews help comparison sites with their reputation, but our comparison site is among the best comparison sites on the web.

Get the most accurate auto insurance quotes using a VIN with our free comparison tool. Enter your ZIP code to get started.

Who has the cheapest auto insurance?

USAA auto insurance quotes happen to be the cheapest on average, but for the general public, getting a GEICO auto insurance quote with the VIN will often get you the cheapest rates. USAA is only available to members of the U.S. Armed Forces and their immediate families.

Different auto insurance companies in your local area may be cheaper than GEICO and USAA. The best place to get your answer is to use our free comparison tool. Enter your ZIP code to start comparing auto insurance using a VIN.

References:

  1. https://www.nicb.org/vincheck

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