How can I get some auto insurance company free online quotes?

Need instant auto insurance company quotes? Save now by comparing multiple quotes online now. The national average cost of auto insurance is $79.58/mo.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Oct 21, 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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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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Here's what you need to know...

  • Most states require liability insurance
  • Liability auto insurance pays for repairs if you cause an accident
  • Personal injury protection insurance is also known as “no fault” insurance or PIP

Keeping your auto insurance premium rates down can be the difference between being able to afford a car or having to ride the bus. Car insurance is mandatory in 47 states if you want to register your car and drive legally.

Auto insurance may seem like a pain, but if you find affordable rates that give you good coverage, your auto insurance may help you out in an accident when you need it most.

You can find free online auto insurance quotes if you know where to look and what you are looking for. Use our FREE online comparison tool to find you great rate quotes now!

Liability Car Insurance


Cheap liability auto insurance is what most states require in order to drive legally. Liability auto insurance pays for repairs if you cause an accident. This includes repairs to not only another car but also to buildings or other structures that might be damaged in an accident.

Liability insurance also pays for injuries if you cause the accident.

However, it does not pay for repairs to your car or for injuries your passenger or you receive in an accident if you are responsible for it.

Minimum liability insurance is an extremely low level of coverage and leaves you open to a lawsuit if damages are higher than your policy limits.

As a result, it is a good idea to purchase liability car insurance beyond the minimum levels if at all possible, especially since this type of insurance is typically relatively inexpensive.

Comparing rates can make finding liability insurance even easier.


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Collision Car Insurance

Collision auto insurance covers repairs to your car and other property if you are involved in an accident. It covers damage to buildings, fences, guard rails and other structures.

If you have an older car, keep in mind that collision coverage will only pay for repairs that are cost effective or less expensive than the car is worth.

For older cars, even minor to moderate accident damage can result in the car being declared a total loss.

If this occurs, you will only be paid for the value of the car at the time of the loss, which is often significantly less than Blue Books.

As a result, it is often recommended that car owners forego collision car insurance coverage if they own an older car in order to save money.

Comprehensive Car Insurance


Comprehensive car insurance covers damages to your car that occur as a result of anything not an accident.

In other words, you do not need to be in the car if the damage occurs and it does not need to involve another car.

Comprehensive insurance pays for repairs that are the result of storms, floods, theft or vandalism.

Personal Injury Protection

Personal injury protection insurance is also known as “no fault” insurance or “PIP.”

It is mandatory car insurance in 15 states. It pays for injuries regardless of who is at fault for an accident.

It pays for medical expenses, including doctors’ visits and hospital charges. It can also pay for legal expenses, lost wages, and rehabilitation expenses.

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Finding Free Auto Insurance Quotes


Whether you find it online or in person from an insurance agent, you should not need to pay anything for an auto insurance quote. Auto insurance rates are based on numerous factors.

These factors include whether or not you currently have auto insurance, your driving history, your credit rate and what type of car you are insuring.

A car insurance quote does not require you to make a commitment to purchase the insurance. It is only an estimate of what your auto insurance premium rate would be if you were to purchase insurance, based on the information you provide.

Often, you are given an estimated quote for auto insurance and are required to pay an initial down payment to start your insurance policy.

When your application is submitted to the insurance company’s underwriting department, your premium rate may change if they discover accidents on your driving report or your credit rate is poor.

Insurance Company Websites

Another place to find free online car insurance quotes is by going directly to insurance company websites.

Insurance websites allow you to gather information regarding the insurance company, including other insurance products they may sell.

Before you buy car insurance online, make sure that you compare rates between at least three auto insurance companies to make sure you are getting the best premium rates possible.

Be sure to ask about discounts to lower your rates and keep your premiums as affordable as possible.Buying auto insurance online can be one of the easiest and most convenient ways to buy insurance.

However, before you make any purchasing decision, make sure you fully understand what kind of auto insurance you need and how much insurance you need to provide you with as much financial protection as possible.

Enter your zip code into our FREE auto insurance comparison tool below to get free rate quotes now.



Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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