Free Car Insurance Quotes Online (2022) – Bankrate.com

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We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free – so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Car insurance quotes estimate the cost for a policy with your selected coverage. Rates vary based on several factors, including your vehicle type, driving history, coverage and the insurance company.
Carol Pope is an insurance writer for Bankrate and prior to joining the team, she spent 12 years as an auto insurance agent. During this time, she sold, serviced and underwrote auto insurance for people across the country. She also has experience selling supplement coverage such as umbrella insurance.
Angelica Leicht is an insurance editor on the Bankrate team. She is truly passionate about helping readers make well-informed decisions for their wallets, whether the goal is to find the right comprehensive auto policy or the best life insurance policy for their needs.
Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict , this post may contain references to products from our partners. Here’s an explanation of . Our content is backed by Coverage.com LLC, a licensed entity (NPN: 19966249). For more information, please see our 
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Here is a list of our banking partners.
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Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.
Bankrate follows a strict editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Bankrate’s insurance editorial team includes four licensed property and casualty agents with almost 50 years of combined experience. During our time in the industry, we’ve tailored thousands of coverage packages that provided vital financial protection and fit within budgets, both big and small. We understand the delicate balance between sufficient coverage and affordability, and we’re here to guide you through the process of requesting online car insurance quotes. 
Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next.
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. All of our content is authored by highly qualified professionals and edited by subject matter experts, who ensure everything we publish is objective, accurate and trustworthy.
Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which provider is right for you.
All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we’re putting accuracy first.
A car insurance quote is an estimate of your insurance premium with a specific carrier based on your chosen coverage and driver profile. When shopping for car insurance, every carrier will prepare one for you as a proposal of coverage and cost, and it will be personalized to your individual characteristics, like years of driving experience, location, annual mileage and more. Having a quote in hand makes it easy to compare rates across more than one carrier, and allows you to see the difference in optional coverage, discounts and price offered by each company.
Getting a car insurance quote doesn’t mean you’re obligated to buy insurance from that company. Instead, it’s a chance to consider the coverage and compare quotes to find the best car insurance for you. Keep in mind that the quoted premium is typically not the actual final policy cost and it could still change when you purchase the policy after the insurer’s underwriting process is complete. This may happen if additional personal, driving record or claims history information is found. It’s best to provide as much information as you can up front when requesting quotes to ensure a more accurate price.
A wide range of car insurance rating factors are used by insurers to calculate your insurance quote. Some of these include:
*based on full coverage
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. The above quoted average annual premiums for full coverage are calculated by evaluating our 2022 base profile with the following incidents applied: clean driving record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
*based on full coverage
The type of car you drive also plays an important role in your car insurance premium. Luxury vehicles tend to have high premiums, due in part to expensive repair costs for labor and parts. Technology-based safety sensors can make your car safer, for instance, but may actually drive your premium up because they are so expensive to repair or replace. Contrary to popular belief, economy cars may not always result in the cheapest premium either. Because so many of them are on the road, it’s more likely that they will be involved in an accident or be targeted for vandalism and theft.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
In addition to gathering personal and vehicle information, it can help to have a few other documents on hand, such as:
An important part of shopping for car insurance is knowing how much coverage you need. Some things to consider are how much you can comfortably pay for your deductibles if you want comprehensive and collision coverage, as well as your overall financial situation to figure out your liability amounts. Once you know this, it may be beneficial to try to make sure all chosen coverage and limits, as well as deductibles, are identical in all your quotes. This will ensure that you can compare carriers fairly and that you’re not accidentally choosing a cheaper option with less coverage.
Additionally, it’s important to be accurate when providing information for your car insurance quote. Providing anonymous information could give you a highly inaccurate premium estimate, and you will need to provide detailed information to receive a final quote and bind the policy.
As a trusted name in the financial services sector since 1976, Bankrate began as a print publication geared towards bankers and those in the banking industry. Since our inception, we’ve expanded our expertise, and today, Bankrate’s insurance editorial team includes four licensed agents with real-world experience across multiple property and casualty products. We use a mix of proprietary rate data and third-party scoring to bring you accurate, helpful and easy-to-understand information that you can use to find the best car insurance company to fit your needs. 
The cheapest car insurance company at any time is constantly changing, partially due to ongoing rate filings, but also because it still largely depends on a driver’s individual rating factors. Every car insurance company weighs these factors differently and has its own algorithm for determining rates. Because of this, it may benefit you to reach out to more than one company when looking for the cheapest car insurance. This may help you get an idea of how much car insurance will cost for you and which carriers may be cheaper than the rest.
Comparing auto insurance rates starts during the quoting process. As you gather quotes, it may be helpful to request quotes for the same levels of coverage and deductibles from each carrier. This allows you to accurately compare the quotes and make sure that the cheaper options aren’t giving you less coverage, and vice versa. By getting a range of quotes for the same coverage and deductible limits, you’ll also be able to judge how impactful the discount opportunities are on the premium. 
The age of a vehicle is factored in when companies are calculating car insurance rates, but a newer car won’t always be more expensive than an old car (and vice versa). For example, a newer car may have a better safety rating, lowering its risk of accidents, but may also have expensive repair costs and a higher value compared to an older car. This would mean that the insurance company would likely pay out more for claims on the newer vehicle.
On the other hand, an older car might have a lower value, but have less safety features and may have parts that are difficult and costly to source. In the end, the cost of insurance for a new car versus old car will still depend heavily on its make and model. When purchasing a car, be sure to request multiple auto insurance quotes so you get an understanding of how much insurance will cost. You may even want to do a little research on estimated insurance and repair costs for different makes and models before you buy a car.
There are a number of strategies when trying to lower your car insurance premium. One way is to start with your current policy. Are there any discounts missing and is your annual mileage accurate? Are you bundling your home and auto insurance
In terms of coverage, you could also adjust your deductible for collision and comprehensive coverage to a higher amount, although you may only want to consider this option if you’re able to comfortably pay a higher deductible out of pocket. Some companies also offer car insurance telematics programs that offer rewards and discounts based on safe driving habits.
A car insurance quote can be obtained almost instantly, especially if you have all of your personal and coverage information ready to go. Calling or visiting a local agent may allow you to quote and bind a policy immediately. If you prefer to get an online quote, keep in mind that some carrier websites will generate an estimated premium, but you may still need to speak to a representative over the phone to finalize the policy. 
It is free to get an online car insurance quote. Some companies may allow you to pay and bind the policy immediately by making a payment, while others may require you to speak with a customer representative first.
Compare rates and save on auto insurance today!
Carol Pope is an insurance writer for Bankrate and prior to joining the team, she spent 12 years as an auto insurance agent. During this time, she sold, serviced and underwrote auto insurance for people across the country. She also has experience selling supplement coverage such as umbrella insurance.
Angelica Leicht is an insurance editor on the Bankrate team. She is truly passionate about helping readers make well-informed decisions for their wallets, whether the goal is to find the right comprehensive auto policy or the best life insurance policy for their needs.
Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.
Bankrate.com is an independent, advertising-supported publisher and comparison service. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. This compensation may impact how, where and in what order products appear. Bankrate.com does not include all companies or all available products.
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