Is it possible to find free cheap auto insurance quotes?

You can compare auto insurance quotes online without any obligation. Comparison shopping is the best way to reduce your rates by up to 20%.

Free Auto Insurance Comparison

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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 3, 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 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...

  • With Americans spending over $800 per year on auto insurance, finding the least expensive rates is a priority
  • Getting a free auto insurance quote is as simple as filling out a short application online
  • Make sure to shop around to make sure that you are getting the best rate for the coverage you need
  • Research and see if there are any discounts available such as good driver, good student, military, paperless-statements, defensive driver training, etc

With Americans spending over $800 per year on auto insurance, finding the least expensive rates is a priority.

Using our comparison tool lets you get free cheap auto insurance quotes without the hassle of contacting companies individually. Enter your ZIP and save!

Get Free Quotes Online

Getting a free auto insurance quote is as simple as filling out a short application. You will be matched with brick-and-mortar and online auto insurance companies operating in your area.

These companies are actively seeking to earn your business. Many have agreed to work with you despite minor traffic violations, tickets, or past credit problems.

Application questions vary by insurer, but the most common details you must provide are:

  • Year, make, and model of the car, truck, SUV, or motorcycle being insured
  • Address where the vehicle will be parked
  • List of collisions and traffic violations within the past three to five years
  • Approximate number of miles driven each year
  • Requested liability limits for personal injury and property damage
  • Requested deductibles for the comprehensive and collision portions of the insurance policy
  • Social security number for credit checks
  • Date of birth, gender, and marital status to determine eligibility for auto insurance discounts
  • Minimal details for each person who will drive the vehicle
  • Full name and contact information of the policy owner

This information is sent to participating insurers, who then send back their lowest prices. Many companies offer instant auto insurance quotes, which saves you even more time when shopping for a new policy.

If an insurer needs more information to complete your quote request, an agent will contact you.

As always, this auto insurance comparison process is offered at no cost to you. Enter your ZIP and save on car insurance quotes by entering your ZIP!

Free Auto Insurance Comparison

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

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Insure New and Used Vehicles

You can obtain free insurance estimates whether you are trying to cut down the premiums for your existing automobile or judging the cost to insure a new model.

Here are some factors to consider when preparing to shop for auto insurance:

  • Used vehicles often carry the lowest insurance rates, but you may miss out on discounts for the newest safety innovations and anti-theft protections
  • Vehicles that are frequently stolen cost more to insure. In 2010 this list had included the 1994-95 Honda Accord and Civic, 1994 Acura Integra, 1991 Toyota Camry, 1999 Chevy Pickup, 2004 Dodge Ram, 2000 Dodge Caravan, 1997 Ford F-150, 1999 Ford Taurus, and 2002 Ford Explorer. This data is provided by the National Insurance Crime Bureau
  • Vehicles with high safety/crash rankings cause insurance rates to drop. In most cases, medium-sized automobiles carry cheaper insurance premiums than very small vehicles or very large vehicles
  • Traditional gas engines typically cost less to insure than hybrid or electric vehicles, although this fact may change with advances in energy-saving technology
  • Family-oriented minivans and sedans often carry lower premiums than flashy sports cars and luxury brands

How to Get the Cheapest Auto Insurance Quotes

You can save a substantial amount of money by getting a free online quote and by shopping around for the best offers.

Because we work with national and local auto insurance companies, you can let competition reduce the prices while our comprehensive auto insurance comparison process saves you time.

Use the following tips to lower your insurance premiums:

  • Review your auto insurance needs regularly. The National Association of Insurance Commissioners recommends looking at free quotes at least once per year. This group regulates insurance operations in each state and ensures that consumers receive fair service.
  • Increase deductibles, the amount of money paid out of pocket after a claim. Raising comprehensive and collision deductibles from $500 to $1000 can reduce insurance bills by hundreds of dollars per year. At the same time, you should never ask for a deductible that is higher than you can afford.
  • Lower coverage limits. Each state sets the minimum amount of liability coverage and uninsured/underinsured motorist protection required to operate a motor vehicle. Keep in mind, however, that you will be forced to pay for any damage over the limits you choose.

For instance, the average claim cost in Michigan is $20,229, as determined by the RAND Institute for Civil Justice.

If you were involved in an accident and had only the state’s minimum property damage coverage of $10,000, you could be liable for $10,229 or more.

Apply for Discounts

Auto insurance companies offer auto insurance discounted rates for a number of reasons. Some of the most popular cost-cutting behaviors and their estimated savings are:

  • Good driving behavior: Save 45 percent
  • Combined auto and home insurance policies: Save 10 percent
  • Good student under 25: Save 20 percent
  • Membership in the military or certain professional associations: Save 10 percent
  • Paperless statements: Save 10 percent
  • Pay one year in full instead of making monthly payments: Save 10 percent
  • Anti-theft and safety devices: Save 10 percent
  • Defensive driver training: Save 10 percent
  • Shop for the best price

The simplest way to get cheap auto insurance quotes is to use a free comparison website.

Instead of filling out the same information over and over again for different insurance companies, you can complete an application once and receive an apples-to-apples price comparison.

Free Auto Insurance Comparison

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

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Reduce Your Insurance Rates Today

Take a few minutes to enter a free, no-obligation request. By using our comparison service, you will be taking advantage of the easiest way to find free cheap auto insurance quotes online.

Compare the best car insurance rates by entering your ZIP code into our FREE comparison tool!



Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption