Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Mar 31, 2022

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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 insurance providers please enter your ZIP code above 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Buying online auto insurance is simple. Even someone with little computer experience can purchase insurance without complications.

Just like purchasing insurance over the phone, an online application agreement may be completed with a verbal acceptance, and possibly an electronic signature. The policy will be sent to you in the mail.

To get online auto insurance quotes today, simple enter your zip code to get started!

It only takes a few minutes to draw up an insurance policy online. Just be aware that, in some cases, the initial quote may not be the final quote. Some companies maintain the right to adjust your rate after the policy has been established.

How to Buy Online Auto Insurance

It is recommended that your online auto insurance purchase start with a comparison search to get an idea of optional plans and rates. Comparisons are not limited to names you do not recognize. Rates are offered by many recognizable auto insurance companies like:

  • Geico
  • Allstate
  • Farmers
  • Progressive
  • Direct
  • AAA
  • AARP

These are just a few contenders. Internet marketing allows other companies to earn your business that you may not have seen on TV. These companies simply decided to devote their advertising dollars to the internet because it is the most logical medium of our times.

Are you ready to find the best online auto insurance quotes? Enter your zip code in now!

Free Insurance Providers Comparison

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After a couple of selections are made, you can request a quote from each one without obligation. They may ask additional questions such as:

  • Make and model of the car
  • Location
  • Driving record
  • Drivers in the household
  • Frequency of use
  • Credit history

The application of these, and other factors, into a review table help to determine your rate. Your down payment will be collected at the initial time of application. Although your policy is good for 6-12 months, you can cancel at anytime and get a refund on the unused portion of your policy. You can even apply the unused portion to another policy after you receive your refund check.

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Online Auto Insurance By State

The insurance industry is regulated by each state. Each state also determines the minimum amount of online auto insurance coverage every driver should have. Although a policy may be purchased online, the insurer has to be licensed to do business in the state the auto or vehicle is registered in. States that require insurance coverage generally requires every driver to have liability at the very least. If not, the driver must pay an annual uninsured motorist’s fee in states where this law applies.

What is Included in Online Auto Insurance

An online auto insurance policy can include full coverage or minimum coverage depending on your needs. Full coverage is relative to your needs. Most lien holders require:

  • Bodily injury liability
  • Damage liability
  • Personal injury protection
  • Collision
  • Comprehensive

Some people include uninsured motorist’s coverage just in case they are hit by someone without coverage. As the value of your car depreciates, you can decrease the amount of collision and comprehensive to save money.

Paying Online Auto Insurance Premiums

Since most everything is automated now, you can pay your premiums online or have your payments drafted. If you have a checking account, most insurance companies prefer to draft your payments from your checking account monthly. This way you do not have to write a check and remember to mail it.

Compare Insurance Providers Rates to Save Up to 75%

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Online Auto Insurance Scams

Unscrupulous individuals have found ways to use the insurance industry to scam people. Some insurers will offer policies that appear to carry you for 12 months when they really only provide coverage for 10. Others collect your premiums until you file a claim then find a loophole to deny it. It pays to check insurance company ratings with A.M. Best or Standard & Poor’s before making your final selection. By making sure your choice of companies is solvent, you are making sure the company can pay your claim in the event you should file one.

Online Auto Insurance Agents and Brokers

Online auto insurance agents usually represent a single company. When you decide to make application with a certain company, it is the agent that writes the policy. Brokers generally represent several companies. They focus on your needs and help to narrow your best choices.

Online Auto Insurance Reviews

People offer mixed reviews about their online auto insurance carriers. Online comments run the gamut from rave reviews to those who describe their experience as nightmares. It pays to read a few of them in addition to checking out the company’s ratings to draw your own conclusions.

Before making any final decisions on your insurance company, it is important to learn as much as you can about your local insurance providers, and the coverages they offer. Call your local insurance agent to clear up any questions that you might have. Questions to consider asking include, “What is the best coverage plan for me/my family/my situation?” “What are the minimum coverage requirements in my state and what form of coverage do you recommend?” “Do you guys offer any bundle discounts if I take out both my auto insurance and home insurance with you?” and “What is the average rate of insurance quotes you guys offer?”

Before making any big insurance decisions, use our free tool to compare insurance quotes near you. It’s simple, just plug in your zip code and we’ll do the rest!

To get online auto insurance comparisons today, enter your zip code now!