How accurate are online auto insurance quotes?

How accurate are online car insurance quotes? As accurate as you let them. There may be online auto insurance quotes available to anyone who fills out various types of forms. You need to provide them with factual, up-to-date, detailed information about yourself and your vehicle. If you rush through the quote form and don't fill it out carefully, you will get inaccurate online quotes. Use our comparison tool to start looking for providers in your area.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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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 insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Apr 7, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto 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 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.

What You Should Know

  • How accurate are online car insurance quotes depends upon if you fill out the information accurately
  • Longer quote forms are better than short quote form, as they provide a more accurate quote to potential customers
  • Insurers are not required to sell insurance to drivers at the original quoted price

Are you interested in finding auto insurance quotes online but are worried about how accurate are online auto quotes? You’ve probably seen ads for an online quote everywhere.

These quote comparison services seem great; they help you compare and calculate rates all from the comfort of your own home. These services claim to get accurate auto insurance quotes in order to compete for your business. But do they actually work? Read on to find out.

Already ready to jump in? Use our free rate comparison tool above to find affordable online auto insurance rates.

How accurate are online auto coverage quotes?

Are online insurance quotes accurate? They will be about as much of an accurate auto insurance quote as you let them. If you provide them with factual, up-to-date, detailed information about yourself, the insurance coverage you need, and your vehicle, you will get exceptionally accurate quotes.

Keep reading to learn how accurate are online quotes depending on several factors.

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What are the pros and cons of getting insurance quotes online?

Even the top 10 best sites to compare insurance quotes won’t be able to serve you if you don’t know what you’re looking for.

If you rush through the quote form and don’t fill it out carefully, you will get inaccurate quotes. Like the old adage says, “garbage in, garbage out.” This applies perfectly to auto insurance quotes.

So when estimating quotes use tools like this comparison site with real quotes and make sure you’re doing your homework.

How do quote comparisons work?

When it comes to quotes, short quote forms with very common questions will likely provide you with the least accurate quote. If the insurance quote form only asks for five pieces of information, i.e., name, address, birth date, car model, and year, they will obviously not be able to provide you with accurate prices.

Another provider who makes you fill out a long, in-depth survey about your vehicle history, driving history, use of the vehicle, credit history, etc., will give you a much more accurate quote.

The downside of the longer quote forms is that although they will provide you with the most accuracy, they are also going to be a bigger hassle to fill out. Short quote forms, while convenient, fast, and easy to use, will often times be very inaccurate.

Should I get my quote online?

If an auto insurance company is very cheap, yet also has abysmal consumer reviews, you should probably opt for the more expensive, reliable company. The more low-cost provider might save you a few dollars, to begin with, but in the long run, you might waste even more money paying for repairs yourself due to their poor claim handling.

Online insurance quotes can be very accurate. You just need to know where to look.

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How do you get an accurate quote?

Getting a quote for your auto insurance rate is a great way to save both time and money. Quality quoting services can speed up the process of comparing quotes for you and your family.

However, just like any type of automated service, they have their limitations. The best way to get the most quality insurance quote and see which insurance discounts you qualify for is to provide as much information as you can.

Can you get quotes online or over the phone?

To begin, enter your ZIP code at the top of this page.

From there, you will be asked to fill out a brief three-page questionnaire. You will then receive quotes from multiple insurance providers, both locally and nationally. These lists will provide contact information.

Calling an insurance provider for a quote is always a viable option.

To make sure the quote you got is accurate, take a look at the list of rates by demographic below. We partnered with Quadrant to bring you this data.

Average Auto Insurance Rates by Demographic
Rates by Demographic Single 17-Year-Old FemaleSingle 17-Year-Old MaleSingle 25-Year-Old FemaleSingle 25-Year-Old MaleMarried 35-Year-Old FemaleMarried 35-Year-Old MaleMarried 60-Year-Old FemaleMarried 60-Year-Old Male
Nationwide$5,756.37$7,175.31$2,686.48$2,889.04$2,360.49$2,387.43$2,130.26$2,214.62
Allstate$9,282.19$10,642.53$3,424.87$3,570.93$3,156.09$3,123.01$2,913.37$2,990.64
American Family$5,996.50$8,130.50$2,288.65$2,694.72$2,202.70$2,224.31$1,992.92$2,014.38
Farmers$8,521.97$9,144.04$2,946.80$3,041.44$2,556.98$2,557.75$2,336.80$2,448.39
GEICO$5,653.55$6,278.96$2,378.89$2,262.87$2,302.89$2,312.38$2,240.60$2,283.45
Liberty Mutual$11,621.01$13,718.69$3,959.67$4,503.13$3,802.77$3,856.84$3,445.00$3,680.53
Progressive$8,689.95$9,625.49$2,697.73$2,758.66$2,296.90$2,175.27$1,991.49$2,048.63
State Farm$5,953.88$7,324.34$2,335.96$2,554.56$2,081.72$2,081.72$1,873.89$1,873.89
Travelers$9,307.32$12,850.91$2,325.25$2,491.21$2,178.66$2,199.51$2,051.98$2,074.41
USAA$4,807.54$5,385.61$1,988.52$2,126.14$1,551.43$1,540.32$1,449.85$1,448.98
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These rates should give you a better estimate of how much you should be paying for car insurance at different providers.

What factors influence your quote?

Some of the most important factors that influence your accurate insurance quote are:

  • Age: If you are a young driver, you will pay more than an older driver.
  • Credit history: In some states, your credit score has an impact on your rates.
  • Driving record: If you have a history of accidents or tickets on your driving record, this will influence your quote.
  • Location: If you live in an area that has a higher than average rate of accidents or thefts, you will have higher rates.
  • VIN: The type of vehicle you drive influences your rates, due to factors like safety ratings and features.

There are a few other factors that may or may not influence your auto insurance premium, such as marital status or education. You’ll also pay more for full coverage than if you just need basic liability coverage. However, the list above has the most important factors that will have the biggest influence on your auto insurance price.

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What are the different types of auto insurance quotes online?

There are two types of auto insurance quote websites.

  1. The first type of quoting system is provided by individual insurance companies and allows you to compare multiple policies from that same, single provider. Some of these companies will also offer their competitor’s quotes as well, to let you know how much better their prices are.
    • The advantage of using these types of insurance quote providers (direct quotes from that provider) is that you get the most up-to-date, accurate quotes as you will not be going through a third party. Sites like Geico and Progressive fall into this category of insurance quoting systems.
  2. Other quote providers will allow you to compare insurance rates from multiple different insurance providers nationally and locally. After entering details about your vehicle and driving history, you will get matched with companies who fit your bill.
    • Using this type of service, you can quickly narrow down your search to companies that provide what you are looking for.

Think of the first type of insurance provider as an agent and the second type as a insurance broker. The agent will try to sell you an insurance policy from the specific company that they work with. The broker sells many insurance brands and will be able to help you shop around for the best rate.

Regardless of which you choose, it is important that you understand how to tell if your car insurance company is reputable. We live in an age of internet scams, so you need to make sure the quotes are from actual companies.

According to the Insurance Information Institute (III), insurance fraud costs the industury $40 billion a year. Insurers may commit fraud by inflating costs or charging for fake services.

So take the time to thoroughly vet out a company and quote service before submitting personal information to a site or signing up for a policy.

Do you have more questions?

We want to clear up a few things before we leave you. While online auto insurance cost quotes are accurate, it’s important that you watch out for things like misquotes or scam sites.

#1 – Is it against the law to give misquotes?

Only if it is intentional, which is very difficult to prove. In most cases, misquotes are caused by mistakes on either the consumer or agent’s end, such as forgetting about a speeding ticket from last year or entering in a vehicle model year wrong.

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#2 – How do I avoid a misquoted insurance policy?

As we stated earlier in our post, it is important to fill out your quote form as accurately as possible. This will make sure that your quoted premium is more accurate.

#3 – What is underwriting in insurance?

Underwriting is simply the writing of policy and determining price by going through a driver’s background. Basically, an underwriter will determine how risky you are to insure and will assign a premium accordingly.

#4 – Why are auto insurance companies not required to honor a quote?

When a company starts underwriting your policy, new factors may come up, such as a poor credit score or a recall on car parts for your vehicle.

Because of this, auto insurance companies are not required to honor their original quote. However, if the quote and policy premium are significantly different, you may want to start shopping for a different insurer.

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#5 – Should I get my auto insurance quotes online?

Getting quotes online is the fastest and easiest option. However, if you want a more personable approach, you can also get quotes over the phone or at an agent’s office. It is up to you what you prefer.

Are you ready to buy auto insurance quotes online? If you’re ready to buy online auto insurance, enter your ZIP code in our free tool below.

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