Anonymous Car Insurance Quotes (No Personal Information)

You can get anonymous auto insurance quotes but giving your personal information will make the quotes much more accurate. For example, a speeding ticket will increase your rates by about $45 a month. If you choose to get car insurance quotes online without personal info, you won’t know your rates will be higher. More accurate quotes will help you determine who has the cheapest online car insurance.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Dec 1, 2020

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The Highlights

  • An auto insurance quote with no personal information will be a rough estimate.
  • You will still need to give basic information like your ZIP and the type of car you drive.
  • Factors like age and driving history are used to determine car insurance rates. Quotes won’t be as accurate if you don’t provide that information.

It’s possible to get anonymous auto insurance quotes with no personal information, but they won’t be as accurate as if you give more detailed information. Car insurance companies base the rates they charge you on many different factors. The factors most used are age and driving record.

If you don’t provide that information when you request a quote, your estimate will be based solely on factors such as where you live and what car you drive. Once you are comfortable enough with a company to give more detailed information, your quote will likely change.

Each auto insurance company will look at factors differently and charge different rates. Shop around for auto insurance quotes comparison to make sure you are getting the best deal. Compare car insurance rates and coverages to discover who actually has the cheapest car insurance for your situation.

It’s possible to get affordable auto insurance quotes with no personal information. Enter your ZIP code now to start receiving car insurance quotes with as much or as little information as you would like to provide.

How to get Anonymous Auto Insurance Quotes

“How can I get an anonymous car insurance quote? Exactly what information is needed to get an auto insurance quote?”

It might seem easier to get quick auto insurance quotes without personal information, but it can cost you time in the long run. You will still need to provide information like your ZIP and the type of car you drive. You can also use a car insurance calculator without personal information to get similar information.

This type of quote can be useful if you are just starting your research and want to know a ballpark of car insurance rates in your area. If you are looking for an actual quote, you will need to give personal information like your driver’s license number and social security number.

Auto insurance companies use your information to try and determine how much of a risk you are. For example, if you have a lot of tickets or accidents, you will be charged a much higher rate.

Let’s look at the difference your driving record makes on your auto insurance quotes. This will give you an idea of just how important your personal information is to get an accurate quote.

Average Annual Car Insurance Rates Based on Driving History
CompaniesAverage Annual Rates with a Clean RecordAverage Annual Rates with One AccidentAverage Annual Rates with One DUIAverage Annual Rates with One 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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A clean driving record will keep your rates around $260 a month, but one speeding ticket will increase that rate to about $300 a month. Those details will make a huge difference in your auto insurance quote.

While it may be tempting to get car insurance quotes online without personal info, you will need to give your personal information to get accurate quotes. Providing your driving history and age will give you a much more accurate idea of how much your car insurance will cost.

Is it safe to get insurance quotes online? Yes, it’s safe to get an online car insurance quote. Many people are hesitant to provide their personal information, such as their social security numbers, but companies are required to keep this information secure.

If you are leery of entering sensitive information, get anonymous quotes first to narrow down the companies you would like to give you a more detailed quote. You then only need to give your information to the companies you feel may be a good fit.

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Factors that Affect Auto Insurance Rates

Factors like your driving record and age play a part in your rates. If you have a lot of accidents on your record or not much time behind the wheel, an insurance company may feel that you are a greater risk than an older driver with a clean record.

Watch this video to learn more about the factors your car insurance company may use to determine your rates.

 

Insurance companies tend to believe that if you have a good credit rating, you are less likely to file car insurance claims and will pay damages out of pocket. This means less risk for the insurance company to have to pay for a claim.

According to Experian, the average credit score in the US is 703, which falls in the Good category. Improving your credit score will not only help lower your car insurance rates, but it will also help with mortgage or loan rates.

Other factors, such as gender, can also affect rates. Car insurance companies believe that males in general are riskier drivers and will charge them higher rates. Some states, like California, don’t allow gender to be used to determine car insurance rates. Check with your company to see where your state stands.

Because each auto insurance company looks at factors differently, it can be difficult to tell who has the cheapest online car insurance. While you can get quotes, you can’t buy anonymous auto insurance. When you apply for a policy, you’ll have to give personal information.

Enter your ZIP now to start comparing auto insurance quotes no matter how much information you would like to give out. Compare anonymous auto insurance rates to find the best coverage for your needs.

References:

  1. https://www.experian.com/blogs/ask-experian/consumer-credit-review/

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