Updated: March 22, 2025
Advertising & Editorial Disclosure
MoneyGeek analyzed thousands of quotes nationwide to show how different factors affect auto insurance costs. You can get free, anonymous quotes without sharing personal information, signing up or making any commitments. While the rates provided aren't guaranteed, they can help you find the right insurance company for your needs.
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Mar 25, 2025
| Insurance Carrier | MoneyGeek Score | Average Monthly Payment | ||
|---|---|---|---|---|
| 1 |  Capital Insurance Group | 94 /of 100 | $87 | |
| 2 |  GEICO | 82 /of 100 | $109 | |
| 3 | 83 /of 100 | $118 | ||
| 4 | 83 /of 100 | $129 | ||
| 5 | 79 /of 100 | $133 | ||
| 6 | 77 /of 100 | $151 |
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Our calculator gives you a range of expected costs from different auto insurance companies. In just a couple of minutes and with a few basic details about your driving habits, you'll get multiple quotes within seconds.
To get the best rate from a reputable company, use the estimator tool to narrow your options. Then, get quotes from at least three auto insurance companies. Compare the quotes to find the one that best fits your needs and budget.
Car insurance quotes need personal details for accuracy, but anonymous estimates provide a quick, rough cost comparison without any obligation.
Using generic car insurance quotes helps you narrow down the best companies for your needs, reducing the number of companies that collect your personal information.
The General, Progressive and GEICO require the least personal information for car insurance quotes.
When shopping for car insurance, focus on your coverage needs and priorities. MoneyGeek makes it easier by providing multiple online quotes without requiring personal information. Below are some of our cost comparison pages to help you get started.
Finding the most affordable auto insurance is easiest when you have multiple quotes to compare. Quotes vary by company based on individual and household factors, coverage needs and discount eligibility.
The best car insurance company meets your insurance needs at a price that fits your budget. Find the right company without filling out multiple quote forms with your personal information.
Insuring a teen driver can be costly, as insurers consider this group the highest risk. Find the cheapest car insurance companies in your state that offer the best coverage for new, inexperienced drivers.
Whether you’re on active duty or a veteran, insurance companies offer perks to those who serve our country and their immediate family members. These perks can include discounts on cheap car insurance without sacrificing the best coverage options.
If your car is a few years old or has a high book value, it's worth finding the cheapest full coverage car insurance. While full coverage may cost more than minimum coverage, it meets the requirements set by a lienholder or leaseholder.
If you have an older car, you might not need to pay extra for comprehensive and collision coverage. But you’ll still want the cheapest minimum coverage from the best car insurance company.
Car insurance costs vary depending on whether you pay by the month or for a longer period, like six months or a year. Find the average costs per month and year to help you find coverage that meets your needs.
We tested and compared various car insurance companies to find the simplest quoting process, so you don't have to provide your name or sign up for preliminary research. Discover which companies have the most straightforward or complicated quote processes and which ones ask for the most or least personal information.
The General claims its online quote process takes about two minutes, and we found this to be true. It has the quickest and easiest quoting process, requiring the least amount of personal information.
Getting an online quote with State Farm took 3.5 minutes. To receive a quote through its website, you must provide your state and driver’s license number or your Social Security number, along with an email address.
The online quoting process with GEICO took about 3.5 minutes. With GEICO, you don’t have to enter your Social Security number, but it requires an email address to get the auto insurance quote.
We received an online car insurance quote from Progressive in under four minutes. To continue, you must provide your email address and Social Security number.
The online quoting process with Allstate was the longest at over five minutes. The system also wanted the most detail before finalizing the quote.
You can get an anonymous, no-obligation estimate for auto insurance, but it's difficult to get an exact quote without sharing personal information. However, using generic car insurance quotes can help you narrow down your list of companies before providing your details.
Each company may ask for different information, but there are common details they usually require. When you're ready for a personalized quote, be prepared to provide these.
Personal Information You'll Likely Need:
This page explains how to get an anonymous car insurance quote and compare rates without sharing personal details. While exact quotes require personal information, online tools like MoneyGeek’s estimator provide rough cost estimates to help you find affordable providers before committing.
Some insurers, like The General, ask for minimal details, while others, like State Farm, request more information. If you want the simplest way to estimate car insurance costs without providing personal data, using a comparison tool is your best option before getting a final quote.
We gathered the most frequently asked questions about anonymous quotes to simplify your car insurance shopping experience.
You can get a quote anonymously, but a mock car insurance quote without personal information won’t be accurate and is merely a rough estimate.
The best way to get a no-obligation car insurance estimate is to enter minimal but accurate personal information. Auto insurance companies may ask for your ZIP code, driving history and vehicle details. Some may also require an email address.
Car insurance companies use security features to protect your personal information online. When entering your Social Security number or email address, look for security notices that explain how your information is protected and whether your email address will be sold.
Some auto insurance companies require your Social Security number (SSN) because they can use your credit history to determine rates in most states. Some make providing your SSN optional. But in those cases, the rate provided may merely be an estimate and not an accurate quote.
Car insurance rates are typically based on factors such as age, gender, ZIP code, driving record, claims history, credit history and vehicle make and model. To provide a quote, companies need basic personal information.
Why Trust MoneyGeek?
We gathered data from state insurance departments and Quadrant Information Services to study prices for various driver profiles and locations. Insurance costs vary based on both internal and external factors. The best way to find the lowest rates is to shop around and compare offers.
Study Overview
MoneyGeek analyzed car insurance quotes for a sample driver profile to determine national and state averages. We focused on the cost of minimum insurance, the price difference between liability and full coverage, and how rates change for drivers with at-fault accidents and speeding tickets.
Data Sources and Depth
Our team collected information from state insurance departments and Quadrant Information Services. We reviewed 83,056 quotes from 46 companies across 473 ZIP codes.
Driver Profile
To calculate the average annual cost of car insurance, MoneyGeek used a sample driver persona with the following characteristics:
We adjusted the profile based on location, coverage type and coverage amount to determine average insurance costs across the U.S. for different coverage needs.
Coverage Levels and Deductibles Explained
Minimum coverage has no deductible, so for a liability-only policy, a deductible doesn't apply. Full coverage, which includes comprehensive and collision insurance, requires a deductible for each. The deductible can be the same or different for both types. It's the amount you pay out of pocket before your insurer covers the costs of a covered claim. Full coverage offers the best financial protection since it covers both injuries and damage to others, as well as damage to your vehicle.
Liability limits are typically expressed as 100/300/100 or 50/100/50:
For national averages, we used a full coverage policy with 100/300/100 liability limits and a $1,000 deductible for both comprehensive and collision insurance. For state-specific quotes, we used a full coverage policy with 50/100/50 liability limits and a $1,000 deductible for both types.
Learn more about MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
