Auto Insurance Quotes Without Personal Information

Getting car insurance quotes without personal information is possible but not very accurate. For example, one accident on your driving record can cost you about $341 a month. Getting a quick car insurance quote without personal information won’t take your driving record into account. That makes it hard to find accurate cheap car insurance quotes. Give your personal information for an accurate car insurance quotes comparison.

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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: Mar 24, 2021

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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.

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A Concise Overview

  • Auto insurance companies use specific information about you to give you an accurate quote.
  • Factors like where you live, your driving history, and age all play a part in determining your car insurance rates.
  • If you don’t want to give up your personal information, you will get a very generic quote based on your general area.
  • You will still have to enter some basic information like your ZIP code and the make and model of the vehicle you drive.

You may be asking yourself, “What info do I need for an insurance quote?” While it’s possible to get auto insurance quotes without personal information, the quoted price probably won’t be very close to what you will actually pay.

Auto insurance coverages are based on a lot of personal information, like your age and your driving history. When your auto insurance company doesn’t have that information, they can’t offer you an accurate rate. The best they can do is give you an idea of what car insurance costs in your general area.

Car insurance companies all look at factors affecting your rate differently. One company might overlook that speeding ticket from last year, but another company will charge you a higher rate because of it.

Since each company charges different rates, shopping around is very important. Enter your ZIP code now to compare cheap car insurance quotes.

Anonymous Auto Insurance Quotes

“How can I get an anonymous car insurance quote?”

It might seem easier to get quick auto insurance quotes without personal information, but it can cost you time in the long run. You will still need to provide information such as your ZIP and the type of car you drive. If you don’t provide your car insurance company with information such as your age and driving history, any quote they give you will be very generic.

A generic quote can be useful if you are just starting your research and want to know a ballpark of car insurance rates in your area. If you are looking for an actual quote, though, you will need to provide personal information like your driver’s license number and social security number.

Auto insurance companies use your information to determine how much of a risk you are. For example, if you have a lot of tickets or accidents on your record, you will be charged a much higher rate. Some companies might even offer you high-risk auto insurance instead of a standard policy.

Let’s look at how your driving record may affect your auto insurance quote.

Average Annual Auto Insurance Rates by Driving History
CompaniesAverage Annual Rates with a Clean RecordAverage Annual Rates with One AccidentAverage Annual Rates with One DUIAverage Annual Rates with One Speeding Violation
USAA$1,933.68$2,516.24$3,506.03$2,193.25
GEICO$2,145.96$3,192.77$4,875.87$2,645.43
American Family$2,693.61$3,722.75$4,330.24$3,025.74
Nationwide$2,746.18$3,396.95$4,543.20$3,113.68
State Farm$2,821.18$3,396.01$3,636.80$3,186.01
Progressive$3,393.09$4,777.04$3,969.65$4,002.28
Travelers$3,447.69$4,289.74$5,741.40$4,260.80
Farmers$3,460.60$4,518.73$4,718.75$4,079.01
Allstate$3,819.90$4,987.68$6,260.73$4,483.51
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
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A clean driving record will keep your rates around $260 a month, but one accident may increase that rate to about $341 a month.

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Factors that Affect Auto Insurance Rates

Your auto insurance rates are affected by many different factors. Those factors all go into determining who the cheapest car insurance company is for your situation.

You’re probably aware of some factors that determine your car insurance rates, such as your age and driving record. If you have been in a lot of accidents or not spent much time behind the wheel, an insurance company may feel that you are a greater risk than an older driver with a clean record.

Some companies also look at your credit history, gender, and how far your drive to work is to figure out how much to charge you. For example, if you have a poor credit score, companies believe you are more likely to file an insurance claim instead of paying for damages out of pocket. Males are usually considered riskier drivers than females, so their rates are generally higher.

This video further details the factors your car insurance company may use to determine your rates.

When you’re looking for cheap auto insurance, it might be tempting to give inaccurate information to try and get a cheaper rate. Not reporting your traffic tickets or giving a different address to get a lower rate are just some of the things the Insurance Information Institute lists as insurance fraud.

No matter how much information you give to an auto insurance company, make sure you are giving the most accurate information possible.

Shop around for coverage and rates to get the best deal. Comparing quotes will help you find the company that works best for your situation. Start your car insurance comparison today by entering your ZIP code to find the cheapest car insurance.

References:

  1. https://www.iii.org/article/background-on-insurance-fraud

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