How do I get free auto insurance company quotes?

You can get auto insurance quotes, (1) through third-party comparison tools, (2) through independent brokers, or (3) directly from auto insurance companies.

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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: Nov 9, 2021

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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 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.

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.

Things to Remember...

  • Car insurance is to provide you with financial protection if you are ever involved in an accident
  • There are different types of auto insurance that can provide you with different financial protection
  • You can find auto insurance quotes directly through a company’s website or through a comparison website

Getting an auto insurance quote should never cost you a dime, and you can get free car insurance quotes from a number of different places.

However, it is a good idea to know what you are looking for before you begin asking for quotes.

Once you know what you’re looking for, enter your ZIP code into our FREE car insurance comparison tool to get quotes right away!

Distinguishing Between Forms of Insurance

Auto insurance is not a matter of just grabbing the first policy quote you are offered.

Each of the types of auto insurance serves a different purpose and provides you with a different type of financial protection.

Some forms of car insurance are mandatory, and you are legally required to purchase them in order to drive legally.

Other forms of insurance are voluntary but provide you with additional protection.

– Liability Insurance

General liability insurance is the most basic form of car insurance and is required in 47 states.

Liability provides you with a minimum amount of financial protection if you only buy the amount of coverage required by law.

Liability car insurance pays for repairs and medical expenses related to an accident you cause but does not pay for damage to your car or for medical injuries.

Since property damage can be expensive and medical injuries can run be in excess of $100,000 per accident, it is recommended that you purchase additional liability insurance if at all possible.

If you only have cheap auto insurance policies that do not have enough coverage to cover expenses that are the result of an accident you cause, you may be sued for the balance.

– Collision Insurance

Collision insurance is required if your car is leased or financed but is not required by law.

Collision insurance pays for damages to your car or property if your car hits a building, another vehicle, a fence or a guard rail.

Collision insurance pays for damages regardless of whether you or someone you give permission to is driving your car.

– Comprehensive Insurance

Comprehensive insurance is mandatory if your car is financed or leased but is not otherwise required by law.

Comprehensive insurance pays for damages that are caused by hitting someone else’s property such as if your car is stolen or vandalized or damaged by hail storms or fire damage.

Collision auto insurance also pays for repairs if you hit an animal, such as a deer or a cow.

– Personal Injury Protection/Medical Expenses

Personal injury protection is mandatory car insurance coverage in 14 states. In many states, it is required insurance in addition to liability insurance.

Personal injury protection is also commonly referred to as “no fault” or PIP insurance. PIP coverage pays for medical expenses regardless of who is at fault for an auto accident.

Personal injury protection insurance also pays for expenses related to lost wages, rehabilitation costs, and legal expenses.


Free Auto Insurance Comparison

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

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Getting Auto Insurance Quotes

You can get free car insurance quotes from a number of sources.

Take advantage of the companies and comparison sites willing to give you instant information and quotes to help you choose the best auto insurance company.

– Insurance Comparison Website

One of the easiest places to look is from an insurance comparison website.

Insurance comparison websites contract with insurance agents and insurance companies for the ability to provide quotes for auto insurance to individuals.

You enter your information one time and receive quotes from several different sources within a matter of a few hours.

– Independent Insurance Broker

Another source for free car insurance quotes is independent insurance brokers.

Insurance brokers usually represent several different insurance companies, which allows them to provide you with insurance quotes from several different companies for comparison.

One of the advantages to talking with an independent insurance broker is they can make recommendations about what kind of coverage and what amount of coverage you need for the best protection for your needs.

– Insurance Company Website

You can also go directly to insurance company websites for free auto insurance quotes. Almost all insurance companies now have corporate websites that outline their company products and what insurance options they have available.

In most instances, you can request an online auto insurance premium quote as well as other types of insurance, such as homeowners, rental and life insurance.

You can get free auto insurance quotes from multiple sources, but you should also compare the same kind of insurance, the same level of coverage and same deductible amounts to ensure that you are comparing comparable products.

Our FREE auto insurance comparison tool helps you compare quotes from several companies. Click here to use it now!



Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption