Can I get a car insurance quote without sharing personal information?

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When shopping for car insurance, you may hesitate to share personal details like your Social Security Number (SSN), address, or driving history. Whether it’s a matter of privacy or wanting to explore your options without committing, obtaining a quote anonymously can be appealing. But is it possible to get a car insurance quote without providing personal information?

The short answer is yes, but there are trade-offs. Anonymous quotes often provide only rough estimates because insurers use personal details to assess risk and calculate accurate premiums. While these quotes can be a helpful starting point, they may not fully reflect the cost or coverage tailored to your situation.

In this guide, we’ll explore how car insurance quotes work, what information is typically required, and how you can balance your privacy with getting an accurate estimate. Whether you’re casually browsing or preparing for a purchase, understanding your options will help you make informed decisions.

What information do you need to get a car insurance quote?

To receive a car insurance quote, you’ll typically need to provide the following information:

• Age
• Gender
• Driver’s license
• Driving history
• Current insurance information 
• Address
• Vehicle type
• Vehicle year
• The type of coverage you want

Insurance companies use the information you provide to evaluate your level of risk as a policyholder. This risk assessment helps insurers determine how likely you are to file a claim, which directly influences the premium they offer. By accurately gauging your risk, the insurer can provide a more precise quote tailored to your circumstances. Factors such as your driving history, vehicle type, and personal details all play a role in shaping this evaluation.

If you request an auto insurance quote without providing personal information, the estimate you receive may be less accurate.

Can you get car insurance without providing personal information?

Some insurers provide shoppers with the option of getting an anonymous car insurance quote without providing personal information to the insurer. These quotes typically require minimal details, such as an email address or general information about the car. They can be a convenient way to get a rough idea of potential costs.

However, it’s important to note that anonymous quotes often lack accuracy because they don’t account for key personal factors that impact your premium, such as your driving history, credit score, or location. Without this information, the insurer cannot provide a rate that truly reflects your unique situation, which means the estimate you receive may differ significantly from the actual premium you’ll pay.

If you want a more accurate quote but prefer not to link your personal details to your name, you can use a placeholder or fictitious name while shopping.

“Look for no-obligation quotes. You can even enter a made-up name and email if you simply want to view the quote to get ballpark pricing. Of course, none of this is binding or completely accurate until you supply accurate and complete information for the policy docs,” says Zach Lazzari, owner of Cross Border Coverage in Augusta, Montana. 

Anonymous quotes can be helpful for those seeking a quick, no-commitment way to explore potential insurance costs. However, sharing additional details with the insurer is typically necessary to get a more precise and tailored estimate.

How to get car insurance quotes without sharing your personal information

If you want to get a car insurance quote without providing personal information, use the steps below:

• Look for a company that minimizes the amount of personal information needed: Some companies are willing to provide a quote with minimal information, while others are not. A few insurers that require less personal information include GEICO and The General. 
• Use a comparison website: A comparison tool collects less personal information than some insurance companies. You’ll still need to provide some details, however, like your birthday and an email address to access quotes. 
• Review your quotes: After getting some quotes, you can weigh your options. 
• Provide more information to an insurance company of your choice: From here, you’ll need to provide more personal details to get a more accurate insurance quote. 
• Review again: After providing the personal information, the exact cost of your insurance policy might change significantly. 
• Purchase the policy: If you decide to move forward, you can purchase the insurance policy. 

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Which auto insurers require the least personal information for a quote?

If you want to work with a company that doesn’t need too much personal information, consider the following options:

• GEICO: You can get a quote with GEICO by just providing your email address. The rest of the details aren’t required for an estimate. But you will need to share more to get an accurate quote. 
• The General: You can get a quote from this company in just two minutes with minimal personal details. 

States that limit personal information in auto insurance rates

A handful of states restrict the types of personal details insurers can use when calculating premiums. The goal is to make pricing fairer and ensure rates are tied more closely to driving behavior and vehicle factors. Even in these states, insurers still need basic information — such as your driving record, address, and vehicle details — to provide an accurate quote.

• California. Insurers in California cannot use credit score, gender, or educational status when setting auto insurance rates. While ZIP code isn’t banned outright, its use is tightly regulated. Companies must prioritize more precise data—like driving history and annual mileage—and can only use ZIP code under strict conditions when other data isn’t credible.
• Massachusetts. Auto insurers in Massachusetts are barred from using credit score, gender, marital status, education, or occupation. Rates instead focus on driving history and vehicle information.
• Michigan. Michigan prohibits insurers from using credit score, gender, marital status, homeownership, and education. Quotes are primarily based on driving record, address, and vehicle details.
• Hawaii. In Hawaii, insurers cannot use gender, age, marital status, credit history, or occupation. They still require information such as your driving record and vehicle details to generate a quote.
  

Sarah Sharkey

Contributing Researcher

 

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Sarah Sharkey is a personal finance writer with a master’s degree in management from the Hough School of Business at the University of Florida. She enjoys helping readers find money solutions that work. She has written for numerous personal-finance publications including Money Under 30 and The College Investor.