Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

Full Bio →

Written by Shuman Roy
Content Writer & Entrepreneur Shuman Roy

Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

Full Bio →

Reviewed by Joel Ohman
Founder, CFP® Joel Ohman

UPDATED: Aug 25, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider. Our insurance industry 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 life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.

It’s common for insurance-related advertisements to end with, “Call today for a free quote!”

Are insurance quotes free? That seemingly magical offer might lead the average consumer to believe getting quotes from another auto insurance company would cost them some of their hard-earned money.

Contrary to what you may believe, free insurance quotes are available. Insurance companies want your business, and they’re open to giving you a price for an insurance policy for free. Continue reading to learn how to get a free car insurance quote from the top insurance companies in the U.S. and more

You get a free auto insurance quote right now by entering your ZIP code in the free comparison tool above.

The Reality About Free Insurance Quotes

According to the Commonwealth of Massachusetts, you should ask family, friends, co-workers, and use online reviews to learn about the cost of insurance. Here are a few things you’ll learn from us:

  • We’ll cut straight to the chase here.
  • No legitimate insurance company charges for an insurance quote
  • If someone is charging you for a quote, it’s probably a scam.
  • Or at least a company you probably don’t want to do business with

Insurance quotes are free anywhere you go. That’s right, no charge.

We aren’t aware of any insurance company or insurance agent out there who is charging for an insurance quote. That’d be counterintuitive, don’t you think? They know a quote could lead to a new policy, which in turn will make them money. Not very smart to put up any roadblocks there, right?

It’s just like a test drive at a car dealership. They want you to jump into the car, take it for a spin, and hopefully get the urge to buy or lease it.

It’s the same deal with an auto insurance quote, minus pretty much all of the excitement. Furthermore, it’s pretty easy for a company to generate an insurance quote for you. It’s YOU that’s doing most of the work!

Speaking of auto insurance rates, why don’t we take a look at the average cost of annual rates based on the best auto insurance policies and companies in the nation.

Average Annual Rates of Top Auto Insurance Companies
CompanyAnnual Rates
State Farm$3,268
American Family$3,443
Liberty Mutual$6,096
Get Your Rates Quote Now

Compare RatesStart Now →

Almost all personal lines insurers in the United States use computer software to provide customers with insurance quotes.

It shouldn’t take more than a few minutes to generate an insurance rate. For example, cheap auto insurance rates are attractive to customers who are searching for a cost-efficient auto policy. Therefore, the insurance company stands to make a buck. Some insurance companies reward customers with lower rates if they renew their auto insurance coverage.

Back in the day, quoting insurance was a time-consuming chore. So charging for car insurance quotes back then may have at least been reasonable. It was justified because an insurance agent could quote several policies per day and didn’t sell anything.

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Insurance Quoting on the Internet

It’s now even easier to generate insurance quotes in no time at all, thanks to technology like the Internet and comparison websites. You can get multiple insurance quotes (recommended) in one search only by providing some necessary information about yourself and your vehicle (or another line of insurance) With the advent of the Internet, multiple affordable rates can now be obtained in less than 5 minutes by simply providing some necessary information one time.

With the advent of the Internet, multiple insurance quotes can now be obtained in less than 5 minutes by simply providing some necessary information one time.

Not only that, but policies can be purchased without ever meeting an agent face-to-face or visiting an insurance company’s office to sign the paperwork.

But the competition is fierce now. Consumers are no longer limited to purchasing a policy from one of the 3-5 local agents in their area. If you live in California, you can buy a policy from an agent in New York (if the NY agent is licensed in CA) if that’s the best deal around.

Try getting auto insurance quotes right now through our FREE comparison tool. Just enter your ZIP code to start.

Free Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Your Insurance Quote Should Be Free, and Hopefully Save You Money Too

Here’s what you’ll learn in this section:

  • Insurance quotes are FREE.
  • Insurance companies and agents want your business.
  • So they’ll put in the time and money to try to earn it.
  • If someone is attempting to charge you, it’s best to look elsewhere.

To summarize, any insurer or agent who would charge you for this readily available, free service would likely be asking to go out of business.

Suppose someone tries to charge you for an insurance quote, RUN! Simply hang up the phone and call someone else. Block their number to prevent them from contacting you again. They’ll attempt to tack on a broker fee to your policy.

Broker fees aren’t illegal. According to the California Department of Insurance, broker fees are regulated in the state. It could be different in another state.

As always, it is recommended that you shop for insurance, both online and offline. Gathering insurance quotes from websites like ours and elsewhere will help you feel more comfortable when you purchase an insurance policy.

How Free Insurance Quotes Save You Money

Generally speaking, the more quotes you obtain, the better your chances of saving money. Some studies prove shopping around can result in big savings. One or two independent insurance agents can buy your rate and provide you with multiple insurance quotes all at once, all for free!

Your personal information can narrow down specific factors to help you save money.

For instance, your credit score and the driving record could save you hundreds on auto insurance per year. Also, bundling your home or renter’s insurance with auto insurance can save you even more money.

Watch this short video on additional tips that will help you save money on auto insurance.

Note that a captive insurance agent can only provide you with quotes from the one company they represent, which certainly doesn’t count as shopping around. If you only deal with captive agents, you’ll need to call each one individually to get a single quote.

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Frequently Asked Questions: Free Insurance Quotes

Let’s go over a few questions that are frequently asked on search engines across the internet. For more information, visit our main page and explore other articles, guides, and reviews on insurance.

If you want a free insurance quote, enter your ZIP in the FREE comparison tool below.

#1 – Who offers the cheapest car insurance?

USAA offers the cheapest car insurance quotes and annual rates in the United States.

#2 – What are the worst auto insurance companies?

Customer reviews are the best judge of which company is the worst auto insurance companies. Visit the Better Business Bureau website to learn more details about customer reviews on insurance companies.

#3 – How do I get insurance quotes?

The best place to get an insurance quote are sites that offer free quotes. Start with our website. Enter your ZIP code in the FREE comparison tool below to see the cost of insurance in your local area.

#4 – What is the cheapest online insurance?

State Farm, Erie, Travelers, and Auto-Owners insurance companies are the cheapest online insurance.

#5 – What are quotes for car insurance?

Quotes give you an estimate of how much you’ll spend on car insurance for the year, half-year, or per month. All of them are different. For example, a Geico insurance quote may be cheaper or more expensive than Progressive insurance quotes or The General insurance quotes.