The Best Way To Purchase Car Insurance Online in 2024
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UPDATED: Jul 22, 2024
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- To buy car insurance online, you will need to fill out a quote form on either a quote comparison website or with an individual insurance company
- You should be prepared with information, including your driver’s license number, vehicle information, and driving history details
- Buying car insurance online is safe, secure, and quick; you can compare rates from multiple companies at once
There are a few different ways to buy auto insurance, including contacting insurance companies, working with an insurance agent, and buying online. As technology has expanded, so has the ability to find cheap car insurance and complete the entire purchasing process online.
If you’re wondering how to purchase auto insurance online, you should begin by following the process outlined below and using the information to choose the best car insurance policy for you.
Enter your ZIP code into our free quote comparison tool above to compare quotes from car insurance companies in your area and buy insurance online.
How can I purchase car insurance online?
Buying car insurance online is fast and easy using a website that provides free quote tools. Some of these websites offer quotes from multiple companies at once.
In other cases, you’ll find quote tools on individual car insurance companies’ websites, allowing you to get a quote from that particular company only.
Whichever route you choose, using these quote tools can help you find cheap auto insurance online.
While many quote tools allow you to purchase your car insurance online, some may require you to call an agent to complete your purchase.
The whole process of buying car insurance online is straightforward. You can fill out the quote forms, choose from the companies and coverage levels, set up a payment method, and receive your insurance information (a card, login credentials, etc.).
What information do I need for an online insurance quote?
When you’re trying to buy auto insurance online instantly, you may want to prepare by ensuring that you have the required information to complete an online quote form and purchase a policy. This information includes:
- Your name and address
- The driver’s license number for all drivers being listed on the policy
- Make, model, and year of the vehicle
- Vehicle identification number (VIN)
- Your annual mileage and how many miles you drive for your daily commute
- Dates and details of accidents, claims, and traffic violations from the last few years
In addition to this information, you will have to provide the insurance company with permission to access your credit report and driving record, so being honest is essential.
How much does car insurance cost?
If you’re wondering how to purchase insurance online, you’re likely curious about how much you will have to pay for your car insurance policy.
Let’s take a look at the average monthly car insurance rates by state and coverage level:
Average Monthly Car Insurance Rates by Coverage Level
| State | State Min Liability-Only | State Min CC ($1K Deductible) | 100/300/100 CC ($1K Deductible) |
|---|---|---|---|
| AK | $36 | $61 | $76 |
| AL | $42 | $76 | $96 |
| AR | $45 | $79 | $95 |
| AZ | $43 | $69 | $100 |
| CA | $48 | $87 | $118 |
| CO | $54 | $93 | $120 |
| CT | $69 | $98 | $115 |
| DC | $53 | $82 | $94 |
| DE | $69 | $100 | $124 |
| FL | $72 | $101 | $165 |
| GA | $74 | $107 | $143 |
| HI | $37 | $65 | $83 |
| IA | $27 | $55 | $62 |
| ID | $31 | $51 | $59 |
| IL | $49 | $88 | $99 |
| IN | $32 | $51 | $59 |
| KS | $35 | $69 | $73 |
| KY | $65 | $98 | $119 |
| LA | $98 | $153 | $281 |
| MA | $50 | $88 | $105 |
| MD | $123 | $169 | $194 |
| ME | $28 | $44 | $48 |
| MI | $302 | $419 | $452 |
| MN | $72 | $109 | $115 |
| MO | $51 | $89 | $99 |
| MS | $34 | $67 | $89 |
| MT | $39 | $79 | $94 |
| NC | $35 | $58 | $68 |
| ND | $30 | $60 | $60 |
| NE | $34 | $61 | $67 |
| NH | $34 | $57 | $62 |
| NJ | $85 | $117 | $140 |
| NM | $43 | $75 | $103 |
| NV | $69 | $99 | $159 |
| NY | $265 | $352 | $397 |
| OH | $34 | $53 | $60 |
| OK | $39 | $73 | $103 |
| OR | $56 | $75 | $84 |
| PA | $57 | $99 | $126 |
| RI | $83 | $130 | $153 |
| SC | $47 | $69 | $90 |
| SD | $29 | $57 | $64 |
| TN | $38 | $68 | $82 |
| TX | $47 | $83 | $106 |
| UT | $54 | $76 | $94 |
| VA | $35 | $57 | $63 |
| VT | $32 | $58 | $64 |
| WA | $50 | $79 | $102 |
| WI | $37 | $63 | $69 |
| WV | $40 | $70 | $80 |
| WY | $23 | $63 | $66 |
While the table above can give you an idea of what you might pay, your car insurance rates can vary based on many different factors, such as your age, gender, vehicle type, driving record, credit history, location, and more.
How much car insurance should I buy online?
Can you purchase car insurance online that will provide an adequate amount of coverage? Of course. You can buy most coverage types and levels online.
At the very least, you must buy the minimum liability requirements for your state.
Minimum Liability Auto Insurance Requirements by State
| State | Insurance required | Minimum liability limits |
|---|---|---|
| AL | BI & PD Liab | 25/50/25 |
| AK | BI & PD Liab | 50/100/25 |
| AZ | BI & PD Liab | 15/30/10 |
| AR | BI & PD Liab, PIP | 25/50/25 |
| CA | BI & PD Liab | 15/30/5 |
| CO | BI & PD Liab | 25/50/15 |
| CT | BI & PD Liab, UM, UIM | 25/50/20 |
| DE | BI & PD Liab, PIP | 25/50/10 |
| DC | BI & PD Liab, UM | 25/50/10 |
| FL | PD Liab, PIP | 10/20/10 |
| GA | BI & PD Liab | 25/50/25 |
| HI | BI & PD Liab, PIP | 20/40/10 |
| ID | BI & PD Liab | 25/50/15 |
| IL | BI & PD Liab, UM, UIM | 25/50/20 |
| IN | BI & PD Liab | 25/50/25 |
| IA | BI & PD Liab | 20/40/15 |
| KS | BI & PD Liab, PIP | 25/50/25 |
| KY | BI & PD Liab, PIP, UM, UIM | 25/50/25 |
| LA | BI & PD Liab | 15/30/25 |
| ME | BI & PD Liab, UM, UIM, Medpay | 50/100/25 |
| MD | BI & PD Liab, PIP, UM, UIM | 30/60/15 |
| MA | BI & PD Liab, PIP | 20/40/5 |
| MI | BI & PD Liab, PIP | 20/40/10 |
| MN | BI & PD Liab, PIP, UM, UIM | 30/60/10 |
| MS | BI & PD Liab | 25/50/25 |
| MO | BI & PD Liab, UM | 25/50/25 |
| MT | BI & PD Liab | 25/50/20 |
| NE | BI & PD Liab, UM, UIM | 25/50/25 |
| NV | BI & PD Liab | 25/50/20 |
| NH | FR only | 25/50/25 |
| NJ | BI & PD Liab, PIP, UM, UIM | 15/30/5 |
| NM | BI & PD Liab | 25/50/10 |
| NY | BI & PD Liab, PIP, UM, UIM | 25/50/10 |
| NC | BI & PD Liab, UM, UIM | 30/60/25 |
| ND | BI & PD Liab, PIP, UM, UIM | 25/50/25 |
| OH | BI & PD Liab | 25/50/25 |
| OK | BI & PD Liab | 25/50/25 |
| OR | BI & PD Liab, PIP, UM, UIM | 25/50/20 |
| PA | BI & PD Liab, PIP | 15/30/5 |
| RI | BI & PD Liab | 25/50/25 |
| SC | BI & PD Liab, UM, UIM | 25/50/25 |
| SD | BI & PD Liab, UM, UIM | 25/50/25 |
| TN | BI & PD Liab | 25/50/15 |
| TX | BI & PD Liab, PIP | 30/60/25 |
| UT | BI & PD Liab, PIP | 25/65/15 |
| VT | BI & PD Liab, UM, UIM | 25/50/10 |
| VA | BI & PD Liab, UM, UIM | 25/50/20 |
| WA | BI & PD Liab | 25/50/10 |
| WV | BI & PD Liab, UM, UIM | 25/50/25 |
| WI | BI & PD Liab, UM, Medpay | 25/50/10 |
| WY | BI & PD Liab | 25/50/20 |
If you lease or finance your vehicle, you may also be required to purchase a higher level of coverage, such as comprehensive coverage. You may also want to consider purchasing more coverage if you have an expensive vehicle.
Should I purchase car insurance online?
Can I purchase auto insurance online in a way that is safe and affordable? In the past, most people relied on insurance agents or calling each insurance company individually. Today, more people are buying car insurance online, but some are still concerned about security.
Fortunately, you can rest assured that quote comparison websites and insurance companies work hard to make the purchase process safe and secure.
Online quote comparison websites may also help you find the most affordable rates by making it easier to compare multiple car insurance companies with one search.
However, you might be interested in buying a policy from an insurance company that doesn’t sell insurance online. In that case, you may want to consider working with an agent who sells that company’s products, or calling the company directly.
An agent can also help you figure out where to begin when buying car insurance. If you think you may want more help finding the right company and coverage, it’s a good idea to talk to an agent.
If you’d like to know how to buy insurance online, enter your ZIP code into our free quote comparison tool below to find an affordable car insurance company near you.
Case Studies: Purchasing Car Insurance Online
Case Study 1: John’s Instant Quotes
John, a 35-year-old driver from Florida, wanted a quick and hassle-free car insurance buying experience. He used an online platform that provided instant quotes from multiple insurance companies. After comparing the rates and coverage options, John chose a policy that met his needs and budget. He completed the purchase online within minutes.
Case Study 2: Sarah’s Personalized Service
Sarah, a 28-year-old driver from Texas, preferred a personalized approach when purchasing car insurance online. She used a website that connected her with insurance agents who provided tailored recommendations. Sarah discussed her specific requirements with an agent and received multiple customized quotes. Satisfied with the policy online with the assistance.
Case Study 3: Mark’s Cost Savings
Mark, a 40-year-old driver from California, was looking for ways to save on his car insurance. He used an online comparison tool that allowed him to compare quotes from various insurance companies. Mark discovered that switching to a different provider could significantly lower his premiums while maintaining adequate coverage. Impressed by the potential cost savings.
Frequently Asked Questions
How can I purchase car insurance online?
You can purchase car insurance online by using websites that provide free quote tools. These tools allow you to compare quotes from multiple companies or get a quote from a specific company’s website. The process typically involves filling out a quote form, choosing coverage levels, setting up payment, and receiving insurance information.
What information do I need for an online insurance quote?
To complete an online insurance quote form, you will typically need information such as your personal details, vehicle information, driving history, and desired coverage levels. You may also need to provide permission for the insurance company to access your credit report and driving record.
How much does car insurance cost?
The cost of car insurance can vary based on several factors, including age, gender, vehicle type, driving record, credit history, location, and coverage level. The content provides a table showing average monthly car insurance rates by state and coverage level as a reference.
How much car insurance should I buy online?
At the very least, you should purchase the minimum liability requirements for your state. If you lease or finance your vehicle, you may be required to purchase additional coverage, such as comprehensive coverage. The amount of coverage you should buy also depends on factors like the value of your vehicle and your personal preferences.
Should I purchase car insurance online?
Buying car insurance online can be safe and affordable. Quote comparison websites and insurance companies take measures to ensure the security of the purchase process. Online comparison tools can help you find affordable rates by easily comparing multiple car insurance companies. However, if you prefer to buy from an insurance company that doesn’t sell insurance online, you can work with an agent or call the company directly.
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