Online Auto Insurance Quotes Without Personal Information [Comprehensive Guide]

Finding online auto insurance quotes without personal information doesn't have to be difficult. Our FREE online tool below can be an easy place to get started. Companies can offer anonymous quotes as long as you give honest information. The average monthly car insurance rate in the U.S. is $79.58/month.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates...

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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...

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Reviewed byDaniel Walker
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UPDATED: Jun 23, 2020

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Things to remember...

  • Auto insurance quotes without personal information are possible
  • Use the Internet to compare online auto insurance quotes without personal information
  • Provide accurate information to obtain the most precise quotes

There are plenty of instances as a consumer when you just want to shop anonymously. You may be curious about how your current auto insurance compares to what’s out there.

You hop online and start the process of doing this research, only to find that you have to give up sensitive information to be able to get that rate dollar amount.

Even though you may be on the site of one insurance company asking you for all sorts of personal information, there will be ten others that do not require it.

It is easy to find out who has the cheapest online auto insurance, and even find very cheap car insurance, no deposit required. Just enter your ZIP code into our free rate comparison tool to start getting anonymous car insurance quotes online.

Every Carrier Varies

Since, as AAA.com notes, most states require auto insurance, it’s just a fact of life. But how you go about getting that coverage is up to you. Whether it’s in person or online, you can control how your information is given out.

Do you have to provide the following information to get insurance online?

  • name
  • address
  • driver’s license number
  • social security number

The answer is it will depend on where you go to get the quote and which company is providing it.

As a consumer, you are in the power position when shopping for auto insurance plans. You have the ability to shop the market and choose from the hundreds of different auto insurance providers that operate within it.

There is an immense amount of competition in the motor insurance industry, and it is up to you to use that to your advantage.

Can you get an auto insurance quote without giving personal information?

Auto insurance carriers are going to vary a lot regarding what they are going to require when it comes to policy and quoting it.

Some of them are going to be sophisticated enough in their risk analysis that they are going to be able to provide you with a quote with minimal information being given.

With just some estimates, such as the car you drive, miles, the town that you live in, your age, you will be able to get an auto insurance quote in a flash.

Other auto insurance companies that do not have this type of risk analysis and modeling built up already in their infrastructure are going to have to hone in on you more as an individual risk.

These companies are going to want to get things such as your address and driver’s license number.

This video tells you some of the factors auto insurance companies look at to determine your rates.

Not all states look at all of these factors. Some states like California do not allow gender to be considered when figuring rates. Check with your insurance company to see what factors they look at.

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Is it safe to get insurance quotes online?

Yes, it is safe to get quotes online, but you don’t have to give out any personal information if you don’t want to. USA.gov knows that protecting your privacy online is a huge concern.

Sensitive information ensures accuracy. There is a reason why auto insurance companies want to get confidential information from you.

Sure, one of those reasons is that they can get you in their system as a prospect so that they can do a follow-up with you on the quoting experience and have a better chance of closing the sale.

The other reason, though, is because they want to be able to provide you with as accurate a quote as possible. Auto insurance companies look at a lot of specific factors about you to determine your rates.

For example, your driving record, whether or not you have had an accident lately, speeding tickets, etc. are also going to have an impact on your auto insurance rate quote. The more information the company can get, the better of an estimated quote they will provide.

Let’s look at how your driving record can affect your auto insurance rates. This table shows you the average annual rates based on your driving record.

Average Annual Auto Insurance Rates Based on Driving History
CompaniesAverage Rates with a Clean RecordAverage Rates with 1 AccidentAverage Rates with 1 DUIAverage Rates with 1 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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Risky driving behavior will cost you a lot of money in fines and higher insurance rates.

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Anonymous Quote Technology

There has been a boom as of late regarding auto insurance companies being able to provide you with an anonymous quote. This is a significant advancement and puts more power in your hands as the consumer.

You are, with this technology, able to hop on and put in some rough information and get a quote without giving away anything sensitive at all.

The anonymous quote technology is what consumers are gravitating towards more than ever because of how quick it is and non-binding.

When you just go on and get a quote, without giving your address or any sensitive information, you can compare without having to deal with the nagging sales calls that usually follow.

How do comparative rating systems work?

It is also important to use these anonymous quoting platforms that will also enable you to compare the rate prices that you are being quoted at across multiple companies. These are called comparative rating systems.

The comparative rating systems are going to link up to a slew of auto insurance companies all across the country.

When you enter the necessary information, the comparative rating system will call out to the quoting platform of each company and give you back a series of results on your screen so that you can compare prices across the board.

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How does the quote generation process work?

Does an auto insurance company need sensitive information to provide you with a quote? The answer is no; all an auto insurance company needs is accurate information.

If you are going to be able to provide the company with an accurate representation of yourself as a risk, it makes no difference to their rating system if the information is coming from you or a motor vehicle record report, for example.

It all comes down to accuracy and honesty.

The necessary information needed for an auto insurance rate quote is:

  • the car that you drive
  • your driving attributes and history
  • your driver profile
  • where the car is going to be parked

All of this information is going to be able to be shared by you just providing the information, short of having to put anything sensitive in there at all. The auto insurance companies that realize this are those that are getting a lot more quoting activity in the online space.

What is the best way to compare quotes?

You always want to remember that it is vital to not just focus on rates when you are shopping for an auto insurance policy. It may be great that you do not have to provide any sensitive information to get a quote, but be sure that they are at least offering what you want for coverage limits.

If not, pay attention to the coverage limits that the quote is giving back to you.

You may think that you have received a great deal on an auto insurance policy, only to find that the coverage you have just purchased is a fraction of what you used to have with your old auto insurance company.

It is a great practice to get into to start with the coverage that you know that you need. Make sure the coverage requirements that you have are entered and level across the board when you are comparing quotes.

Auto insurance company “A” and “B” providing you with $100,000 in comprehensive coverage can now be compared to that rate amount alone, and you know you are ending up with the same level of coverage required.

As a consumer, you have the ability to get auto insurance quotes online anonymously, with no private or sensitive information having to be provided.

It is all up to you to find these sources online. Hop on a search engine and search for anonymous auto insurance quotes and see the results roll in.

You will likely be amazed at the number of auto insurance companies you can compare, completely anonymously, right online in an instant. Make a move now and enter your ZIP code below to get multiple quick car insurance quotes without personal information.

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

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