Are Auto Insurance Quotes Free?

Free auto insurance quotes can be obtained from a variety of places, but the easiest is to use our free quote tool to get the best insurance quotes. Auto insurance quote comparisons can save you 20% or more on your rates. Full coverage insurance quotes for cheap auto insurance are free right here. Get free insurance quotes now.

Compare Quotes Now

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Nov 10, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Summary Stats
Things to KnowSource
When shopping for coverage, get at least three different quotes so you can compare ratesInsurance Information Institute
It's important to ensure the company you're considering purchasing a policy from is reputable; J.D. Power and A.M. Best reviews are one way to help determine thisInsurance Information Institute
Look for discounts that you may qualify for in order to further lower your ratesInsurance Information Institute
Get Your Rates Quote Now

Compare RatesStart Now →

You know you need auto insurance in order to legally drive in the United States, but you may be wondering how to buy auto insurance. If you listen to the variety of car insurance commercials you’ll see and hear on a nearly daily basis, every insurance company is the best and cheapest. But how do you filter through the noise and get started?

We recommend starting by getting auto insurance quotes from multiple companies in order to compare rates. So are insurance quotes free? The answer is yes. Read this article to learn everything you need to know about getting free auto insurance quotes so you can shop the best coverage and rates for your needs.

Ready to get started? Use your ZIP code to get your first free quote on auto insurance today.

Auto Insurance Quotes

Are car insurance quotes free? How can you get the best coverage for the most affordable price? Who offers the cheapest car insurance? Where can you get USAA car insurance quotes and quotes from other companies?

Keep reading to learn the answers to these questions and more.


What is an auto insurance quote?

An auto insurance quote is the estimate of how much you’ll pay for the coverage you’re looking to purchase. However, it’s just an estimate, not a contract or offer, so you’ll still need to take a few more steps to purchase coverage once you decide on the company and coverage you need.

Are auto insurance quotes free?

The answer, as we noted above, is yes. They should always be free, regardless of where you get them. However, getting more than one (ideally at least three) so you can conduct auto insurance quotes comparisons will help you find the best coverage for the most affordable price.

This works regardless of the coverage type you’re looking to purchase. So if you’re looking for full coverage insurance quotes, for example, all you have to do is start comparing rates today.

How do I get the best insurance quote?

As we’ve already discussed, one of the best ways to get cheap auto insurance is to compare multiple auto insurance quotes. Comparing quotes can also help you to calculate your rates from the perspective of what you should be paying, so you can determine if you’re currently paying too much for your coverage.

You should get at least three car insurance quotes when you’re shopping. Comparison shopping can save you 20 percent or more when you make your coverage purchase.

So where do you find these quotes? You can get quotes individually from insurance companies, or you can use our free quote tool to compare rates from multiple insurance companies in one convenient location.

Beyond just getting quotes, it’s also important to look into the auto insurance companies you’re considering purchasing coverage from, to ensure they’re reputable and will be there when you need them. There are a number of ways you can do this, including looking at various kinds of data from resources like:

  • J.D. Power – Looks at customer satisfaction ratings of companies in various industries, including auto insurance
  • National Association of Insurance Commissioners (NAIC) – Collects complaint data, which can be searched so you can see how many complaints are filed against a particular company
  • A.M. Best – Compares financial ratings for companies in the insurance industry

You can watch this video to learn a bit more about A.M. Best and the information they collect and provide.

You should also look at available discounts when you’re shopping for auto insurance, to ensure you’re getting the most affordable coverage for your needs and unique situation.


Who offers the cheapest auto insurance?

There are a number of factors that affect your rates (age, gender, credit score, where you live, etc.) and will help determine who offers the cheapest coverage for you and your needs. However, we’ve collected average rates by state and insurance company in this table so you can get an idea of which of the major companies likely offer the cheapest coverage.

Annual Average Auto Insurance Rates by State and Company
StatesAverage Annual Rates by StateAnnual Average Allstate RatesAnnual Average American Family RatesAnnual Average Farmers RatesAnnual Average Geico RatesAnnual Average Liberty Mutual RatesAnnual Average Nationwide RatesAnnual Average Progressive RatesAnnual Average State Farm RatesAnnual Average Travelers RatesAnnual Average USAA Rates
Alabama$3,566.96$3,311.52Data Not Available$4,185.80$2,866.60$4,005.48$2,662.66$4,450.52$4,798.15$3,697.80$2,124.09
Alaska$3,421.51$3,145.31$4,153.07Data Not Available$2,879.96$5,295.55Data Not Available$3,062.85$2,228.12Data Not Available$2,454.21
Arizona$3,770.97$4,904.10Data Not Available$5,000.08$2,264.71Data Not Available$3,496.08$3,577.50$4,756.25$3,084.74$3,084.29
Arkansas$4,124.98$5,150.03Data Not Available$4,257.87$3,484.63Data Not Available$3,861.79$5,312.09$2,789.03$5,973.33$2,171.06
California$3,688.93$4,532.96Data Not Available$4,998.78$2,885.65$3,034.42$4,653.19$2,849.67$4,202.28$3,349.54$2,693.87
Colorado$3,876.39$5,537.17$3,733.02$5,290.24$3,091.69$2,797.74$3,739.47$4,231.92$3,270.77Data Not Available$3,338.87
Connecticut$4,618.92$5,831.60Data Not AvailableData Not Available$3,073.66$7,282.87$3,672.34$4,920.35$2,976.24$6,004.29$3,190.00
Delaware$5,986.32$6,316.06Data Not AvailableData Not Available$3,727.29$18,360.02$4,330.21$4,181.83$4,466.85$4,182.36$2,325.98
District of Columbia$4,439.24$6,468.92Data Not AvailableData Not Available$3,692.81Data Not Available$4,848.98$4,970.26$4,074.05Data Not Available$2,580.44
Florida$4,680.46$7,440.46Data Not AvailableData Not Available$3,783.63$5,368.15$4,339.60$5,583.30$3,397.67Data Not Available$2,850.41
Georgia$4,966.83$4,210.70Data Not AvailableData Not Available$2,977.20$10,053.44$6,484.90$4,499.22$3,384.88Data Not Available$3,157.46
Hawaii$2,555.64$2,173.49Data Not Available$4,763.82$3,358.86$3,189.55$2,551.83$2,177.93$1,040.28Data Not Available$1,189.35
Idaho$2,979.09$4,088.76$3,728.79$3,168.28$2,770.68$2,301.51$3,032.19Data Not Available$1,867.96$3,226.29$1,877.61
Indiana$3,414.97$3,978.81$3,679.68$3,437.55$2,261.07$5,781.35Data Not Available$3,898.00$2,408.94$3,393.75$1,630.86
Kentucky$5,195.40$7,143.92Data Not AvailableData Not Available$4,633.59$5,930.97$5,503.23$5,547.63$3,354.32$6,551.68$2,897.89
Louisiana$5,711.34$5,998.79Data Not AvailableData Not Available$6,154.60Data Not AvailableData Not Available$7,471.10$4,579.12Data Not Available$4,353.12
Maine$2,953.28$3,675.59Data Not Available$2,770.15$2,823.05$4,331.39Data Not Available$3,643.59$2,198.68$2,252.97$1,930.79
Maryland$4,582.70$5,233.17Data Not AvailableData Not Available$3,832.63$9,297.55$2,915.69$4,094.86$3,960.87Data Not Available$2,744.14
Massachusetts$2,678.85$2,708.53Data Not AvailableData Not Available$1,510.17$4,339.35Data Not Available$3,835.11$1,361.86$3,537.94$1,458.99
Michigan$10,498.64$22,902.59Data Not Available$8,503.60$6,430.11$20,000.04$6,327.38$5,364.55$12,565.52$8,773.97$3,620.00
Minnesota$4,403.25$4,532.01$3,521.29$3,137.45$3,498.54$13,563.61$2,926.49Data Not Available$2,066.99Data Not Available$2,861.60
Mississippi$3,664.57$4,942.11Data Not AvailableData Not Available$4,087.21$4,455.94$2,756.53$4,308.85$2,980.48$3,729.32$2,056.13
Missouri$3,328.93$4,096.15$3,286.90$4,312.19$2,885.33$4,518.67$2,265.35$3,419.14$2,692.91Data Not Available$2,525.78
Montana$3,220.84$4,672.10Data Not Available$3,907.55$3,602.35$1,326.11$3,478.26$4,330.76$2,417.74Data Not Available$2,031.89
Nebraska$3,283.68$3,198.83$2,215.13$3,997.29$3,837.49$6,241.52$2,603.94$3,758.01$2,438.71Data Not Available$2,330.78
New Hampshire$3,151.77$2,725.01Data Not AvailableData Not Available$1,615.02$8,444.41$2,491.10$2,694.45$2,185.46Data Not Available$1,906.96
New Jersey$5,515.21$5,713.58Data Not Available$7,617.00$2,754.94$6,766.62Data Not Available$3,972.72$7,527.16$4,254.49Data Not Available
New Mexico$3,463.64$4,200.65Data Not Available$4,315.53$4,458.30Data Not Available$3,514.38$3,119.18$2,340.66Data Not Available$2,296.77
New York$4,289.88$4,740.97Data Not AvailableData Not Available$2,428.24$6,540.73$4,012.93$3,771.15$4,484.58$4,578.79$3,761.69
North Carolina$3,393.11$7,190.43Data Not AvailableData Not Available$2,936.69$2,182.71$2,848.03$2,382.61$3,078.65$3,132.66Data Not Available
North Dakota$4,165.84$4,669.31$3,812.40$3,092.49$2,668.24$12,852.83$2,560.35$3,623.06$2,560.53Data Not Available$2,006.80
Oklahoma$4,142.33$3,718.62Data Not Available$4,142.40$3,437.34$6,874.62Data Not Available$4,832.35$2,816.80Data Not Available$3,174.15
Pennsylvania$4,034.50$3,984.12Data Not AvailableData Not Available$2,605.22$6,055.20$2,800.37$4,451.00$2,744.23$7,842.47$1,793.37
Rhode Island$5,003.36$4,959.45Data Not AvailableData Not Available$5,602.63$6,184.12$4,409.63$5,231.09$2,406.51$6,909.45$4,323.98
South Carolina$3,781.14$3,903.43Data Not Available$4,691.85$3,178.01Data Not Available$3,625.49$4,573.08$3,071.34Data Not Available$3,424.77
South Dakota$3,982.27$4,723.72$4,047.47$3,768.80$2,940.29$7,515.99$2,737.66$3,752.81$2,306.23Data Not AvailableData Not Available
Tennessee$3,660.89$4,828.85Data Not Available$3,430.07$3,283.42$6,206.69$3,424.96$3,656.91$2,639.30$2,738.52$2,739.28
Texas$4,043.28$5,485.44$4,848.72Data Not Available$3,263.28Data Not Available$3,867.55$4,664.69$2,879.94Data Not Available$2,487.89
Utah$3,611.89$3,566.42$3,698.77$3,907.99$2,965.57$4,327.76$2,986.57$3,830.10$4,645.83Data Not Available$2,491.10
Vermont$3,234.13$3,190.38Data Not AvailableData Not Available$2,195.71$3,621.08$2,128.21$5,217.14$4,382.84Data Not Available$1,903.55
Virginia$2,357.87$3,386.80Data Not AvailableData Not Available$2,061.53Data Not Available$2,073.00$2,498.58$2,268.95Data Not Available$1,858.38
Washington$3,059.32$3,540.52$3,713.02$2,962.00$2,568.65$3,994.73$2,129.84$3,209.52$2,499.78Data Not Available$2,262.16
West Virginia$2,595.36$3,820.68Data Not AvailableData Not Available$2,120.80$2,924.39Data Not AvailableData Not Available$2,126.32Data Not Available$1,984.62
Wisconsin$3,606.06$4,854.41$1,513.27$3,777.49$3,926.20$6,758.85$5,224.99$3,128.91$2,387.53Data Not Available$2,975.74
Wyoming$3,200.08$4,373.93Data Not Available$3,069.35$3,496.56$1,989.36$3,187.20$4,401.17$2,303.55Data Not Available$2,779.53
Get Your Rates Quote Now

Compare RatesStart Now →

USAA typically offers the most affordable rates, but their coverage is not available for all drivers. For more broadly available coverage, Geico and State Farm auto insurance are both good options that offer affordable rates. In fact, both companies are typically offering coverage at prices lower than the average rate for the state.

This table also indicates availability of coverage. For example, Progressive insurance can be purchased in all but three states.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

The Bottom Line for Getting Free Auto Insurance Quotes

Free auto insurance quotes can be obtained directly from insurance companies, but using a free comparison tool like the one on this page allows you to compare multiple quotes at once. Comparing rates can save you a significant amount on your policy (20 percent or more).

In addition to comparing rates, it’s a good idea to find out what discounts you may qualify for to ensure you’re getting the lowest rates possible. You should also look at customer reviews and company finances to make sure the companies you’re considering will be there when you need them.

Frequently Asked Questions: Free Auto Insurance Quotes

Still have questions about cheap or free car insurance quotes? Read these frequently asked questions to learn more.


Does getting insurance quotes affect credit?

No. While car insurance companies do check your credit as one way to help them adjust your rates, they don’t conduct a “hard pull,” which can affect your score. Instead, they do what’s considered a “soft pull” that has no effect on your credit score.

Where can I get SR22 auto insurance quotes?

SR22 insurance isn’t actually insurance, it’s a certification from your car insurance company that you have the coverage necessary to meet state requirements.

Typically you’re only required to have this certification if you’re a high-risk driver (often it’s a condition of reinstatement of your driving privileges).

The process for getting auto insurance quotes is the same regardless of your status as a high-risk driver.

However, you’ll need to contact an auto insurance company you’re considering purchasing coverage from, to make sure they offer the SR22 certification, should you be required to carry it on your coverage.

One option, which actually advertises specifically for high-risk drivers, is The General insurance.

Is it safe to get insurance quotes online?

You should be able to safely obtain quotes online. However, the more complex your insurance coverage needs, the more likely you’ll need to speak with a licensed agent as well. In addition, you’ll only get accurate quotes if you provide accurate information when you fill out the quote tool.

Before you go, use your ZIP code to get a free quote on auto insurance right now.



Compare Quotes Now

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption