Insurance Quotes Online – 10 Best Sites to Compare and Save

Finding the cheapest coverage has never been easier. With insurance quotes online, you can instantly compare rates from dozens of insurers in minutes. Instead of calling each company, these top sites provide free insurance quotes online with a single form. In this guide, we’ll cover the 10 best online insurance quote services of 2025, complete with quote calculators and tips to get cheap, fast auto quotes. Whether you need an instant car insurance quote or a quick way to compare online quotes, these platforms make it simple and fast.

• Save Money: Sites like Insurify report users can save up to $1,025 per year on premiums by comparing quotes.

• Wide Selection: Insurify and Compare.com partner with 75–120+ insurers to give more options.

• Quick Process: Most sites return quotes in minutes – Insurify’s quote form takes about 5 minutes or less to complete.

• Free Quotes: All the tools below offer free insurance quotes online with no obligation; no fees or hidden costs.

With these benefits, let’s dive into the 10 best online insurance quote sites of 2025. Each lets you easily get fast, free quotes and compare coverage side-by-side.

1. Insurify – Best for Instant Car Insurance Quotes

Insurify is a leading quote-comparison tool and virtual agent. It partners with over 120 auto insurers (GEICO, Allstate, Travelers, Progressive, etc.) to deliver real-time quotes. Insurify provides accurate, instant car insurance quotes and even recommends policies. In testing, Insurify returned nine offers (six were real-time quotes) for a sample driver, more than any other site. The interface is streamlined: you enter basic info (age, car model, driving record, coverage type) and see multiple quotes in minutes.

• Wide Coverage: Connects to 120+ insurers nationwide.

• High Savings: Claims users can save up to $1,025/year by comparing rates.

• Fast Quotes: The quote process is quick – about 5 minutes from start to results.

• Policy Personalization: Let’s you customize liability or full coverage, discounts, etc. before quoting.

• Cons: Requires a phone number to see quotes; ads from insurers may prompt re-entering info.

Insurify is free to use and even lets you purchase many policies online. Its combination of speed, accuracy, and savings makes it ideal for getting instant, accurate online insurance quotes.

2. Compare.com – Easy One-Form Quotes

Compare.com is another top-rated comparison site that delivers fast auto insurance quotes. It works with 75+ major insurers (including USAA, Travelers, Liberty Mutual). In our tests, Compare.com provided at least one instant quote (and up to five in past tests) just by entering your details. The process and results are very user-friendly: after a quick form, you see a side-by-side list of offers.

• Multiple Carriers: Quotes from 75+ insurers nationwide.

• User Friendly: Clear, step-by-step online form with few clicks.

• Average Savings: Claims average savings of $720/year for customers.

• Strong Reviews: Thousands of positive reviews (e.g. 4.7/5 on Trustpilot) and BBB accreditation.

• Cons: Fewer returned quotes than Insurify; no customization beyond basic coverages.

Compare.com is 100% free and does not charge for quotes. It simply shows you rates, and if you choose a policy, Compare.com connects you to the insurer to buy. With its fast, easy interface and solid savings claims, it’s a great tool to get fast auto insurance quotes online.

3. Policygenius – Broker with Multi-Policy Quotes

Policygenius is an online insurance broker that also offers quotes. It’s known for comparing multiple coverage types (auto, home, renters, etc.) in one place. Unlike lead sites, Policygenius has you fill out a detailed form and then provides estimates. In our test, it showed seven different offers (three with detailed quotes after follow-ups). The site touts easy customer support and helpful articles.

• Multiple Products: Get quotes for auto and home/renters together, great for bundling discounts.

• $435 Savings: Policygenius says customers save an average of $435/year on auto insurance.

• Customer Support: 24/7 access to licensed agents for questions; thousands of 4.7/5 reviews.

• Pros: No phone number required upfront; site provides ample explanatory info.

• Cons: Doesn’t show instant quotes on-site (leads you through to insurer websites for details). Longer application process.

If you value an integrated quote experience (especially for home+auto), Policygenius is a solid choice. It’s free to use and simplifies bundling. Keep in mind you may need to click through to insurers to see final quotes, as it focuses on connecting you with agents.

4. The Zebra – Comprehensive Auto Quote Comparison

The Zebra is a well-established free comparison site backed by analysts in Texas. It offers real-time quotes in all 50 states by partnering with 30+ insurers. For car insurance, The Zebra can instantly fetch quotes (in our test it returned four offers, though none were “click-to-view” instant numbers). The site is easy to use and doesn’t require a phone number to quote.

• Real-Time Quotes: Provides live quotes by syncing with insurers in the zip code area.

• 30+ Insurers: Quotes from major companies (Allstate, Safeco, Clearcover, etc.) in every state.

• $18M Quotes Served: The Zebra reports it has delivered over 18 million quotes and can “save hundreds every year”.

• Good Reviews: Many users praise The Zebra’s service and helpful agents.

• Cons: In practice, you may still need to click through to insurer sites to finalize a quote. Some recent users report unwanted calls.

The Zebra excels at giving an overview of options. Its Car Insurance Calculator tool (on the site) and resources help in getting quick rate estimates. It’s 100% free and transparent – a fine choice for getting multiple free insurance quotes online.

5. Gabi – Automated Broker for Policy Matching

Gabi is a digital insurance broker owned by Experian. It works like this: you upload your current policy or enter info, and Gabi matches you with insurers that offer better rates. In our experience, Gabi required verifying your phone (sending a code) before quoting. It doesn’t give live quotes on the site – instead, it reaches out to insurers behind the scenes.

• 40+ Partners: Quotes come from 40+ top insurers (e.g. Travelers, Nationwide).

• Upload Policy: You can upload your current insurance PDF to auto-fill coverage info for better matches.

• 24/7 Support: Gabi’s team helps users find savings and answers questions.

• Tech-driven: As an online broker, it cannot complete a sale online – it connects you to agents or insurers by email/phone.

• Cons: Results vary – some users see 1 quote, others see multiple, some get referred to other sitesinsurify.com. It shares your info with Experian (users often get marketing texts/calls).

Gabi’s motto is “let your policy do the work.” It aims to automate renewal shopping, but it’s not a classic online quote calculator. If you don’t mind its lead-generation nature, Gabi can sometimes find savings. However, many shoppers prefer instant calculators like Insurify instead.

6. QuoteWizard – Local Agent Quote Leads

QuoteWizard (by LendingTree) is actually a lead-generation site. You fill out a form once, and QuoteWizard sells your info to local insurance agents. In return, agents provide you with multiple quotes. In our test, QuoteWizard gave lots of “quotes” on the screen but only two were from actual insurers; the rest were from other comparison sitesinsurify.com. It then connects you to local agents to obtain real quotes.

• Agent Network: Connected over 50 million people to local insurance agents nationwide.

• Bundling Quotes: Also lets you request bundled home+auto quotes through agents.

• Cons: It doesn’t provide instant online quotes. Expect calls/emails from agents (QuoteWizard explicitly shares your info).

• Pros: May deliver several quotes by email or phone, instead of having you do all quoting manually.

QuoteWizard can be useful if you prefer agent assistance. Otherwise, be aware it’s a lead gen service. If you do use it, double-check the coverage details of any quote since QuoteWizard itself isn’t an insurer.

7. ValuePenguin – Editorial + Lead-Gen Hybrid

ValuePenguin is another LendingTree property. It mixes educational content with quote tools. Like QuoteWizard, it mostly generates leads. However, it does advertise potential savings – $1,092 per year on average, though actual experiences vary. A quick form (ZIP, age, coverage status) initiates quoting, but usually you end up on another site.

• Educational Resources: Has a library of guides and calculators to learn about insurance.

• $1,092 Claim: ValuePenguin claims its tool “saves users $1,092/year” by comparing (though this is an average claim).

• Fast Start: Requires minimal info up front, then asks standard questions behind the scenes.

• Cons: Leads to no direct quotes on ValuePenguin itself; instead it funnels you to other sites/agents. High risk of spam calls/texts.

ValuePenguin can nudge you toward quotes, but if you want straightforward online quotes, other sites on this list work better. Think of ValuePenguin as a “funneled” option if you enjoy their content and don’t mind follow-up calls.

8. LendingTree – Lead Generator (Loan Site with Insurance)

LendingTree, famous for loans, also offers an insurance comparison widget. It acquired QuoteWizard and ValuePenguin, so its insurance tool works similarly. You enter info and LendingTree connects you to multiple leads. In testing, we got one result and no immediate quote – clicking “View My Rate” simply took us to the insurer’s site.

• Bundle Options: Offers quotes for bundling auto with home/renters through partner sites.

• Well-Known Brand: Backed by LendingTree’s reputation in finance.

• Cons: No instant quotes on-site; pulls your data into other quote engines. Our test triggered unsolicited marketing emails shortly after. High chance of spam.

Unless you specifically want to give LendingTree a try (and are prepared for possible calls/emails), it’s easier to skip this one. It’s mostly useful if you already use LendingTree for other products.

9. NerdWallet – Finance Giant, High Spam Risk

NerdWallet is a personal finance site with insurance comparisons. However, its insurance tool doesn’t show quotes on NerdWallet’s pages. Instead, after inputting your ZIP and info, NerdWallet matches you with partners (one insurance company and two marketing firms). We saw that many users end up flooded with emails and calls. Our test got two “matches” (one was Experian, not an insurer at all).

• Financial Tools: Great calculators and articles on NerdWallet (free to use).

• Cons: No real-time quotes on site; only matches with partners. Many reviewers report spam calls and emails after quoting.

• Pros: Completely free and safe from a company standpoint (though user info is shared “at your sole risk” per their terms).

NerdWallet is best known for credit cards and loans; its insurance section is not a true quote engine. Unless you enjoy the NerdWallet interface, there’s little advantage here over others except the free content.

10. Bankrate – Trusted Brand with Coverage.com Partnership

Bankrate is a major media site for finance. For insurance, it partners with its sister company Coverage.com to get quotes. In our trial, Bankrate’s tool returned four results, including two instant rates from real insurers. The quotes were competitive, but Bankrate does require calling one of their agents to complete the sale. Also, ads from Coverage.com’s partners appear on the quote page.

• Instant Quotes Possible: Sometimes shows immediate insurer rates (we saw 2 direct quotes).

• Simple Questionnaire: User-friendly questions to collect your info.

• Agent Support: Access to live agents if you want to buy over the phone.

• Cons: Must call an agent to finalize any policy. Likely to share your data within Red Ventures (Bankrate’s parent) – be prepared for marketing emails.

Bankrate/Coverage.com did a decent job gathering info and showing optionsinsurify.com, but it’s not fully automated. If you prefer an online final purchase, Insurify or Compare.com would be better. Bankrate is fine for getting a ballpark and some insurer quotes, especially if you like Red Ventures brands.

How to Compare Insurance Quotes Online

1. Gather Your Info: You’ll typically need your ZIP code, vehicle year/make/model, driving record details, and current policy info (even the declarations page for best results).

2. Use a Quote Calculator: Visit one of the sites above and enter your information. These online quote calculators automatically fetch rates from multiple insurers.

3. Review Coverages: When quotes appear, check the coverage limits, deductibles, and what’s included. Sometimes a slightly higher quote might offer better coverage (e.g. roadside assistance).

4. Compare Prices: Look at the total premium and monthly breakdown. With an aggregator, you see several quotes side-by-side for easy comparison.

5. Finalize Carefully: If you find a good quote, you can often purchase online or let the site connect you to the insurer. Always verify the quote on the insurer’s site or with an agent before canceling your old policy.

By repeating this process on a couple of sites, you ensure you’re not missing a cheaper online insurance quote. Insurance prices vary widely – even identical coverage can be hundreds cheaper with one company. For example, data shows the national average premium is about $1,759 per year. If comparing quotes saves you even 10%, that’s $175 saved. In fact, Insurify’s analysis shows a 15% rate jump in 2024, so finding any discount is valuable.

Frequently Asked Questions

Q: What are Insurance Quotes Online?
A: An insurance quote online is an estimated price for your insurance policy provided by a company or comparison site. You enter details about yourself and your car, and the site uses formulas to calculate premium offers from one or more insurers. The results let you compare coverage options easily.

Q: Are online insurance quotes free?
A: Yes, all the sites above provide free insurance quotes online. You do not pay to use the quoting service or calculator. (Insurers make money only if you buy a policy.) The process is designed to be free and fast.

Q: Can I get instant car insurance quotes?
A: Absolutely. Many sites (like Insurify and Compare.com) deliver real-time, instant car insurance quotes. You usually get answers within minutes. In our tests, Insurify and Bankrate gave multiple immediate quotes. If a site doesn’t show quotes, it will connect you to an agent who can provide them.

Q: Do I need to give my phone number or email?
A: It depends on the site. Some sites like Insurify ask for a phone number before revealing quotes. Others (Zebra, Compare.com) do not require a phone to get quotes. Expect to provide at least an email. Note that sites which share your info (like QuoteWizard, NerdWallet) may lead to calls or emails from marketers, so choose wisely.

Q: How accurate are these online quotes?
A: Online quotes are estimates based on the data you provide. They are usually very close, but the final insured rates could vary slightly once underwriters review your full profile. Always double-check by actually purchasing a policy. The quotes are free and quick guides – a great way to find the cheapest online insurance or cheap online insurance by comparing multiple offers.

Q: How often should I compare quotes?
A: It’s smart to compare quotes whenever your policy renews or if your personal situation changes (new car, address, or driving record change). Given that rates change frequently (some states saw >10% hikes in 2024), checking annually can uncover savings.

Q: Why compare online quotes instead of a single insurer?
A: Different insurers price risks differently. Shopping online can save you significant money. For example, a survey found 42% of drivers considered switching insurers and would do so for just ~$100 monthly savings. By quickly comparing quotes, you’re more likely to find the best deal without any guesswork.

In summary, using an online quote calculator or comparison tool is the easiest way to get fast auto quotes and save money. The sites above are proven winners: Insurify and Compare.com lead the pack, but many others offer unique features. Try 2–3 services to make sure you’re not missing a low rate. All of them let you get free insurance quotes online – there’s no cost to compare.

Have you found these tips helpful? Share this guide on social media so friends and family can save on their car insurance, too. Have more questions or your own advice on getting cheap insurance quotes? Let us know in the comments below!