Best Auto Insurance Companies That Sell Online (2021)

The cheapest auto insurance companies that sell online are USAA, State Farm, and Liberty Mutual. You can easily find cheap auto insurance online by using a free reputable quote tool. In addition, most of the top auto insurance providers offer convenient same-day auto insurance online for potential customers. For the best auto insurance rates, compare multiple auto insurance companies that sell online and those that don't.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Nov 22, 2021

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Overview

  • The cheapest auto insurance companies that sell online are State Farm, USAA, and Liberty Mutual
  • The best way to find quotes online is to use a free quote tool from reputable websites
  • Almost all of the major auto insurance providers sell policies online

With more auto insurance companies creating an online presence, securing cheap auto insurance online is easier than ever. You can compare quotes from top auto insurance companies that sell online using a free quote tool through most sites.

Because so many companies are online now, you may have a hard time finding auto insurance companies that don’t sell online. However, they are out there if you are willing to look for them.

Please keep reading to learn about which auto insurance companies sell online, including their rates, how to find the best coverage, and more.

Start your search for affordable auto insurance companies that sell online now. Enter your ZIP code for free auto insurance quotes from companies near you today.

What are the best auto insurance companies that sell online?

There are so many auto insurance companies that sell policies online, making it easy for you to buy auto insurance online instantly. The hardest part is finding and choosing from such a vast pool of options.

Fortunately, you can quickly request rates from auto insurance companies that sell online. In addition, most national auto insurance providers offer tools for you to get quotes through their websites.

You can also utilize free online car insurance rate tools that allow you to compare quotes from multiple providers all at once.

To make this process even easier for you, we have included a table of the annual and monthly rates from our top recommended auto insurance companies that sell online:

Average Annual and Monthly Auto Insurance Rates by Company
Auto Insurance CompaniesAverage Annual Auto Insurance RatesAverage Monthly Auto Insurance Rates
Allstate$4,919.79$409.98
Farmers$4,999.27$416.61
Liberty Mutual$6,540.73$545.06
Nationwide$3,940.25$328.35
Progressive$4,218.00$351.50
State Farm$3,855.75$321.31
USAA$2,981.48$248.46
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As you can see, USAA has the cheapest auto insurance rates. State Farm and Liberty Mutual are not far behind.

As you search for an auto insurance company, be sure to compare at least three auto insurance companies and their rates and policies. This will narrow down your options to only those that cover you best at the price you need.

It is also beneficial to talk over your options with an insurance agent. Using their knowledge, they will point you in the right direction.

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How do you get an auto insurance quote online?

It is quick and easy to secure auto insurance coverage online. Larger auto insurance companies, like our recommended providers above, almost always provide immediate coverage.

However, smaller auto insurance companies may need up to a month before your policy goes into effect. So before you settle on a company, be sure to do your research so you know what to expect.

As you search for auto insurance companies that sell online, ensure you secure a new policy before canceling your old one. With a coverage lapse, you could be driving without auto insurance.

Because driving without insurance is illegal in almost every state, you should be aware of your local laws and buy at least the minimum auto insurance required in your state.

If you lease or finance your car, full coverage auto insurance could be required before driving off the lot. Thankfully, you can personalize your auto insurance policy to cover what you need.

To secure auto insurance online, you can request a quote through an auto insurance provider’s website or use the quote tools on an auto insurance comparison website.

How to Find Cheap Online Insurance Quotes

Some basic personal information is needed to get quotes from auto insurance companies that sell online. Usually, you will be asked to provide the following:

  • Name
  • Address
  • Date of birth
  • Coverage needs
  • Driver’s license number
  • Past insurance information
  • Vehicle identification number

After you’ve given some personal information, you’ll then receive one or more auto insurance quotes. We recommend that you compare at least three quotes before choosing a policy, but you’re not obligated to make a purchase.

If a company is missing important information about you, your coverage cannot start right away. For example, if a company cannot verify your address, it may not sell you a policy immediately.

You should also be aware that a down payment is almost always required before your auto insurance policy goes into effect. In addition, reputable auto insurance companies never offer free coverage, so be cautious of any company that offers no down payment cheap auto insurance online.

Buying auto insurance online is convenient, but high-risk drivers struggling to find traditional coverage may need to look elsewhere. If you’re a high-risk driver, buying from auto insurance companies that don’t sell online may be a better option for you.

The best way to get auto insurance quotes from companies that don’t sell online is to call the provider directly or talk with an agent.

If you’re too high-risk of a driver with multiple at-fault accidents on your record, or if you own a rare or specialty vehicle, you may not be able to secure same-day auto insurance.

The Insurance Information Institute offers tips for high-risk drivers who have trouble finding coverage.

Make sure to talk with an insurance agent about your options before deciding on an auto insurance company and policy.

Can you get anonymous auto insurance quotes online?

Drivers often prefer to remain anonymous when shopping for auto insurance. Typically people worry about receiving spam e-mails and calls or experiencing a credit check that negatively impacts their credit score.

Some may not want to share their personal information, like a home address, over the internet. Unfortunately, fully anonymous quotes do not exist because most auto insurance companies require at least your driver’s license number to apply.

However, you may still find some companies that only ask for your ZIP code, date of birth, driving record, and car information.

If you’re looking for a shorter quote process, the General has a fast quote process that asks for the least personal information.

Even still, the quotes you get might not be accurate. After you accept an offer, you’ll need to update your application information, which could lead to different rates.

Ultimately, your best option is to use a quote tool from a comparison website, like on this page. This will help you get quotes quickly so that you can start your search right away.

Auto Insurance Companies That Sell Online: The Bottom Line

Shopping for auto insurance online is easy and convenient. Plus, it’s more secure than some people might assume.

For the best auto insurance company that sells online in your area, take the time to compare rates from at least three companies. Comparing multiple rates from auto insurance companies that sell online will help you narrow down your options.

Be sure to look at the various discount options and the customer and financial reviews for each provider.

You can save lots of money on auto insurance by purchasing a basic coverage policy, reducing your deductibles, and earning policy discounts. Some auto insurance companies even offer online shopper and paperless billing deals.

Are you ready to buy auto insurance from companies that sell online? Enter your ZIP code into our free tool below for instant auto insurance rates from companies that sell online in your area.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

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