Get Free Car Insurance Quotes Online (March 2024)

Comparing car insurance quotes is the best way to find the right rate on the auto coverage you need.
Written by R.E. Fulton
Edited by Kathleen Flear
Before you purchase car insurance, it’s important to get multiple quotes. Using a
car insurance comparison app
saves significant time and effort by providing quotes from multiple insurers in one place, allowing you to easily compare and choose the best policy that fits your needs. 
  • To get free car insurance quotes, figure out your coverage needs and your budget before requesting quotes from an insurance company or through a broker. 
  • Anyone can get quotes directly from insurance company websites or service lines, but you’re more likely to overpay.
  • Free quotes from an independent broker like
    Jerry
    are transparent, accurate, and the best way to compare insurance costs. 
  • Factors from your coverage selections and vehicle type to your ZIP code and gender can affect your insurance quotes. 

Compare free car insurance quotes in under a minute

Need quotes right now? We’ve got you covered. 
Jerry is one of the nation’s largest insurance agencies, with a team of 100+ licensed independent agents and a user-friendly mobile app that helps drivers manage all the costs of car ownership—starting with affordable car insurance quotes. 
Download the app, enter your information, and you can review all your insurance options from the
best car insurance companies
like Nationwide, Allstate, and Progressive. Input your zip code below to get a quote today!
Are you overpaying for your car insurance?
Compare quotes and find out in 45 seconds.
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No spam or unwanted phone calls · No long forms · No fees
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The right way to find free auto insurance quotes

First step: Determine how much coverage you need. In most states, bodily injury and property damage liability insurance are
the bare minimum required by law
For most drivers,
state minimum coverage
isn’t enough—consider buying collision and comprehensive coverage along with a higher liability limit (e.g. 100/300/100). 
Expert Tip Check your state’s laws to see what’s required by law. Many states only require liability coverage; others require uninsured motorist coverage. No-fault states require all drivers to carry personal injury protection (PIP). 
Second step: Evaluate your budget. The cheapest car insurance isn’t always the best. In fact, it’s often worth paying a little extra for auto insurance coverage from a company with low customer complaints, high financial stability, or a buttery-smooth claims process. 
Third step: Find your quotes. 
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Insurance company website: The easiest way to overpay

The upside: You can visit any car insurance company’s website or call a customer service line to get quotes directly from the source. It’s quick and allows you to adjust your coverage options.
The downside: Comparing multiple quotes through this method is a lot of work, so it’s easy to end up overpaying without realizing it.
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Local insurance agent: Friendly service and hidden costs

The upside: A local insurance agent understands the insurance market in your area and can help you find the best rates. 
The downside: Captive agents—i.e., agents who work for a single company—often upsell to get a bigger commission. Even independent agents may steer you towards pricier policies to improve their earnings. 
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Quote comparison websites: Proceed at your own risk

The upside: Comparison sites are an easy way to find quotes from hundreds of insurance companies because financial advice websites now include an auto insurance comparison tool. 
The downside: Unfortunately, most sites either partner with insurance companies—sending you to the provider’s website to fill out extra forms before getting your final quote—or simply capture and sell your information to marketing companies. 
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Jerry: the AllCar™ app

Jerry is an independent car insurance broker partnered with over 55 top-rated insurance companies. You can compare multiple personalized quotes in under two minutes for free! 
And thanks to Jerry’s DataLock Guarantee™, all your information is protected by bank-level security measures. 

Build your ultimate car insurance quote

Car insurance rates are based on a wide range of factors—some of which you can control during the quoting process. Let’s break down what goes into your quotes. 

Easiest to control: Coverage selections, deductibles, and discounts

  • Coverage amounts: A
    full coverage auto insurance policy
    with high liability limits and add-ons like roadside assistance costs more than a cheap state minimum policy. But don’t shave your policy down to the bone just to shrink your premium—you’ll also shrink your protection and sacrifice peace of mind. 
  • Deductibles: Choosing a higher deductible will lower your car insurance costs. Select the highest deductible you could afford to pay out of pocket in the event of a claim. 
  • Discounts: Take advantage of any
    auto insurance discounts
    you may be eligible for—such as a
    car and home insurance bundle
    , a safe driver discount for staying accident-free, or a telematics discount for tracking your driving. 
Expert Tip If your vehicle is financed, your lender likely requires you to carry both collision coverage and comprehensive insurance, which cover physical damage to your car. 

The big picture: Driving record, insurance history, and vehicle type

  • Driving history: Any at-fault accidents or violations in the last three to five years will likely affect your auto insurance rates. Usage-based insurance programs can help you lower your rate with discounts for real-time safe driving habits. 
  • Insurance history: If you don’t have a current insurance policy—or if your prior provider reports claims on your policy—you’ll see higher quotes. Make sure your new policy starts before your old coverage ends to avoid a costly insurance lapse. 
  • Credit-based insurance score: Missed payments or nonpayment of your previous insurance bills can affect the cost of coverage. So can your overall credit score, which influences the
    credit-based insurance scores
    that insurance companies use in underwriting. 
  • Vehicle safety and security: Safer vehicles with better anti-theft features tend to have lower rates for full coverage car insurance. If your car insurance policy includes collision and comprehensive coverage, installing a security system or driver assistance tech could improve your quotes. 
Expert Tip Raising your credit score to a higher tier could have an outsized impact on your quotes. If you’re close to a higher tier, consider waiting to shop until you’ve leveled up. 

The non-negotiables: Demographics, location, and marital status

  • Age: Young drivers pay more—especially teen drivers. If you’re looking for cheap car insurance with a new driver under 25 years old on your policy, expect higher quotes. 
  • Gender: Male drivers pay more than female drivers for the same coverage—and the difference is greater at younger ages. 
  • Location: Insurers look at crash statistics, crime rates, and population density in your ZIP code when calculating your insurance premiums. 
  • State laws: Minimum coverage in New York costs considerably more than minimum coverage in California. 
  • Marital status: Yes, married people pay less for car insurance. Providers see married people as more financially stable and responsible. 
Expert Tip If you live in an expensive ZIP code, parking in a secure location or adding security upgrades to your vehicle could lower the cost of full coverage. 

What you need to get quotes

When shopping for car insurance quotes, have the following information and documents ready: 
  • Driver’s license: Your driver’s license contains essential identifying information, from your name and address to your driver’s license number. 
  • Vehicle information: You should know the make, model, and year of your vehicle, along with the vehicle identification number (VIN) and trim level. 
  • Usage information: Do you use your vehicle mainly for pleasure, commuting, or business? How many miles do you drive a year? Be ready to provide realistic estimates. 
  • Insurance information: Are you currently uninsured? How long have you been with your current insurer? Have you made any insurance claims in the past five years? 
  • Accidents and violations: If you’ve been at fault in a car accident or convicted of a violation like a DUI in the past five years, be ready to provide dates and other information about the incident. 
Why it matters: The more detailed information you provide about your insurance and driving history, your vehicle, and your habits, the more accurate your quotes will be. 
What if my quotes are still too high? If you’ve provided accurate information and can’t find any quotes you can afford—or if you’ve been turned down for coverage—you may need to seek out a
non-standard auto insurance company
that specializes in
high-risk insurance
Are you overpaying for your car insurance?
Compare quotes and find out in 45 seconds.
No spam or unwanted phone calls · No long forms
No spam or unwanted phone calls · No long forms · No fees
icon4.717k Ratings
5M+Drivers Joined
7M+Cars Garaged

FAQs

$500 per year is fairly cheap for car insurance; $500 per month is an astronomically high rate. 
If you’re shopping for minimum coverage policies, look for annual rates in the neighborhood of $600 to $700 or less. For full coverage, the average cost to most drivers is closer to $1,500 to $2,500. 
Experts recommend spending no more than 10 to 15% of your budget on transportation costs. That includes your car insurance, your auto loan payments, and costs for fuel, maintenance, and repairs.
In the insurance industry, liability limits are written as XX/YY/ZZ, referring to the amounts of bodily injury liability insurance per person and per accident and the amount of property damage liability per accident. 
In California, the legal minimum for liability insurance is 15/30/5—that is, $15,000 of bodily injury per person, $30,000 of bodily injury per accident, and $5,000 of property damage per accident. However, Jerry’s agents recommend raising liability limits to 100/300/100 if possible—or at least 50/100/50.
Liability insurance covers other drivers’ medical bills and repair costs if you’re fully or partially at fault in a car accident. It’s required by law in every state except New Hampshire and Virginia, and it’s the best way to protect yourself against personal injury lawsuits that could devastate your finances.
Are you overpaying for car insurance?
Compare quotes and find out in 45 seconds.
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