Updated: May 27, 2025
Advertising & Editorial Disclosure
Our research shows 78% of consumers receive unwanted communications after providing personal information for quotes. We've analyzed thousands of quotes nationwide to address this privacy issue and help you find affordable coverage without sacrificing personal information. With MoneyGeek's free car insurance quote tool below, you can get anonymous estimates without sharing personal details.
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Jun 06, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 |  Capital Insurance Group | 94 /of 100 | $87 |
| 2 |  GEICO | 82 /of 100 | $109 |
| 3 | 83 /of 100 | $118 | |
| 4 | 83 /of 100 | $129 | |
| 5 | 79 /of 100 | $133 | |
| 6 | 77 /of 100 | $151 |
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Our calculator provides expected costs from different insurers in minutes using basic details about your driving habits. While rates aren't guaranteed, they help identify suitable insurance companies.
Use the estimator tool to narrow your options and get the best rate from a reputable company. Then, get quotes from at least three auto insurance companies. Compare the quotes to find the one that best fits your needs and budget.
Starting with anonymous car insurance quotes helps you narrow down the best providers for your needs, reducing the number of companies that collect your personal information through binding quotes.
Use a combination of comparison tools and generic details to balance privacy with pricing accuracy before sharing complete information with selected insurers.
The General, GEICO and Progressive require the least personal information for car insurance quotes.
Finding affordable car insurance without compromising your privacy requires a strategic approach. Follow these five steps to get accurate car insurance estimates while protecting your personal information:
Start with MoneyGeek's anonymous calculator, which requires only your ZIP code, vehicle details, age range and driving history (not your name, phone, email or SSN). Our tool provides estimates from multiple insurers in minutes, providing a solid starting point without exposing personal contact information.
Identify three to five companies with competitive rates, good reviews and minimal information requirements based on your anonymous estimates. This focused approach prevents sharing your data with dozens of insurers while still finding quality options. Consider premiums, coverage options and MoneyGeek scores when creating your shortlist.
Set up a separate email address for insurance shopping to contain marketing messages and easily track responses. This privacy layer can be "retired" after selecting an insurer. Free accounts on Gmail, Outlook or Yahoo take minutes to create and significantly reduce unwanted communication in your primary inbox.
When seeking more accurate quotes, provide only the required information to your shortlisted companies. The General, Progressive and GEICO typically request the least details. Consider using initials, skipping optional fields, declining phone number requests and opting out of marketing while ensuring all provided information remains accurate.
Evaluate detailed quotes based on premiums, coverage limits, deductibles, discounts, customer service, claims satisfaction and financial strength ratings. Look beyond price to ensure quality coverage. When ready to purchase, you'll provide complete information only to your chosen insurer, minimizing the overall exposure of your personal data.
When shopping for car insurance, focus on coverage needs and privacy priorities. MoneyGeek provides multiple online quotes without requiring sensitive personal information. Below are specialized comparison resources to help you find anonymous quotes for your situation.
Finding affordable auto insurance is easier with multiple anonymous quotes. Rates vary by company based on personal factors, household circumstances and discount eligibility. Our privacy-focused tool lets you compare options without sharing contact details.
The best car insurance meets your needs at a reasonable price while respecting privacy. Identify top-rated insurers without completing multiple forms that lead to unwanted marketing. Create a quality company shortlist before sharing your details.
Teen driver insurance costs more because insurers consider them the highest risk. Compare anonymous quotes from affordable companies in your state that offer the best coverage for inexperienced drivers while maintaining family privacy.
Active-duty personnel and veterans receive special insurance benefits. Compare military options anonymously before providing service credentials. Our privacy-focused comparison identifies which military-friendly insurers offer the best rates and coverage.
Find affordable full coverage insurance for newer, valuable vehicles. Our anonymous tool helps compare options that meet lienholder requirements without sharing contact information. Get privacy-protected estimates for collision, comprehensive and liability coverages together.
Older vehicles may need minimum coverage only. Compare options anonymously to find the best minimum coverage without providing personal details. Our tool helps identify insurers specializing in affordable basic coverage while protecting your information.
Insurance costs vary between monthly and longer-term payments. Access anonymous estimates of average costs to find coverage that meets your needs while maintaining privacy and preventing unwanted follow-up communications.
Our extensive industry analysis of top car insurance companies shows that The General, GEICO and Progressive offer the most privacy-conscious quote experiences. The table below highlights the most privacy-friendly car insurance companies:
Company | Best For | Privacy Tips |
|---|---|---|
The General | Maximum privacy protection | Use its website instead of the phone for fewer information requests. Its streamlined process already maximizes privacy protection. |
GEICO | Balance of privacy and name recognition | Before using the system, create a dedicated email address. Although most "additional information" fields appear required, they're actually optional. |
Progressive | Comparison shopping anonymously | Use "skip this step" for SSN prompts and find the "communication preferences" link to manage marketing. Consider a secondary email address. |
State Farm | Selective information sharing | When prompted, use your driver's license instead of your SSN. Uncheck all marketing boxes on the quote summary page. |
Allstate | Privacy-conscious initial research | Use its general rate calculator for initial research instead of the full quote system. Before proceeding, uncheck all marketing permission boxes. |
Our Research Methodology
To identify which providers have the most privacy-friendly quote processes, we evaluated each based on required personal information, quote time and user experience. Our analysis examined mandatory fields for sensitive data (SSN, driver's license), contact requirements, completion time, privacy policy clarity, marketing opt-out availability and mobile experience quality. You can learn more about our research methodology at the bottom of the page.
Below is more information about each provider from our research:
For the best privacy protection, use the above companies for initial anonymous research, then provide full details only to your final selection when ready to purchase coverage. All insurers eventually require complete information for binding policies.
Most consumers are unaware that submitting a car insurance quote typically triggers 6-12 marketing calls in the first week, which can often persist for months. Given modern tracking technology, protecting your privacy while comparing car insurance rates requires a strategic shopping approach. Below, we evaluate several methods for comparing car insurance quotes and provide specific tips and recommendations for when each approach works best.
Most consumers are unaware that submitting a car insurance quote typically triggers six to 12 marketing calls in the first week, which can often persist for months. Given modern tracking technology, protecting your privacy while comparing rates requires a strategic shopping approach.
Below, we evaluate several methods for comparing quotes and provide specific tips and recommendations for when each approach works best.
Anonymous estimates are preliminary car insurance quotes obtained without sharing identifying details like name, email or SSN. Using only basic information (ZIP code, vehicle details, age range, driving history), they provide moderate accuracy (15% to 30% of the final price) while protecting privacy, serving as valuable initial research points.
Several insurers offer quotes with minimal personal identifiers. To get car insurance quotes online without personal information, look for shopping experiences that use secure connections, clearly distinguish mandatory versus optional fields, have transparent opt-out options and don't require contact information to view results.
It's possible to get car insurance quotes without providing your personal email address. While most insurers require emails, you can avoid unwanted email communication during the quote process by leaving the email field blank, calling insurers directly, visiting local offices or using temporary email services.
You can get car insurance quotes without receiving unwanted calls or sharing your number. To minimize unwanted phone contact when shopping for insurance, explicitly opt out of phone marketing, select "email only" contact preferences, use temporary phone numbers when required and consider tools like Google Voice for better control.
Car insurance comparison sites collect quotes from multiple insurers after you enter your information just once. While these sites can save much time by streamlining the research process, privacy practices can vary from site to site. Many comparison sites operate primarily as lead generators that sell your details to insurance providers.
Binding quotes are official, purchasable offers showing exact premiums with all discounts, valid for 30 days after full underwriting. Because these quotes are contractually binding, they require detailed personal information. To maximize privacy, only request binding quotes from your top two to three choices and opt out of marketing during the application process.
Your Vehicle Identification Number (VIN) provides details about your car that help insurers calculate more accurate quotes. Understanding when and how to use your VIN can balance accuracy with privacy concerns.
Using your VIN improves quote accuracy by telling insurers exactly your vehicle's model, trim level and safety features. Different versions of the same car can have varying insurance costs based on safety ratings, repair costs and theft statistics. Your VIN automatically populates all vehicle details correctly, creates a faster quote process and ensures all insurers are quoting the same exact vehicle for reliable comparisons.
From a privacy perspective, your VIN alone doesn't contain personal information like your name, address or driving record. It's essentially a product serial number that reveals manufacturing details but not ownership information.
Most companies don't require your VIN for initial quotes; they only require final binding quotes before purchase. Insurers also can't effectively use your VIN for marketing without associated personal details.
Provide your VIN only after narrowing options to your top two to three choices. This strategy balances privacy with accuracy. When purchasing a policy, you must always provide your VIN for a binding policy. Suppose you prefer not to share your VIN during early shopping. In that case, you can enter vehicle details manually or use comparison tools like MoneyGeek's calculator, which provides valid estimates without requiring your VIN to make decisions based on accurate pricing.
When shopping for car insurance, understand the distinction between anonymous estimate quotes and binding quotes. Each serves a different purpose and requires different levels of personal information. The table below details the difference between anonymous and binding car insurance quotes:
Feature | Anonymous Quotes | Binding Quotes |
|---|---|---|
Purpose | Initial research and comparison | Final offer ready for purchase |
Information required | Minimal (ZIP code, vehicle type, basic driver details) | Detailed (full name, address, SSN, driving history, VIN) |
Commitment | None – no obligation to purchase | Ready to purchase if you choose to accept |
Privacy protection | High – limited personal information shared | Low – requires sharing significant personal information |
Expiration | Usually don't expire | Typically valid for 30 days |
Discounts | May not include all available discounts | Includes all applicable discounts |
Best used for | Preliminary research and company shortlisting | Final decision-making and purchase |
When shopping for car insurance, use anonymous and binding quotes sequentially. Start with anonymous estimates to identify two to three promising companies while maintaining privacy. After that, request binding quotes only from the finalists. This approach allows you to get the most accurate rates while sharing the least personal information.
Understanding what information is truly required versus what's optional can help you maintain privacy while still getting useful quotes. Here's a detailed breakdown of the information typically requested during the car insurance quote process:
Information Type | Required for Estimate? | Required for Binding Quote? | Privacy Impact |
|---|---|---|---|
ZIP code | Yes | Yes | Low |
Vehicle year/make/model | Yes | Yes | Low |
Age | Yes | Yes | Low |
Gender | In most states | Yes | Low |
Marital status | No | Yes | Medium |
Full name | No | Yes | High |
Address | No | Yes | High |
No | Yes | High | |
Phone number | No | Yes | High |
Social Security Number | No | Yes, in most cases | Very high |
Driver's license | No | Yes | High |
VIN | No | Yes | Medium |
Driving history | For accurate quotes | Yes | Medium |
Current insurance | No | No | Medium |
This guide explains how to get anonymous car insurance quotes while protecting your privacy from unwanted calls and emails. While exact quotes ultimately require personal information, tools like MoneyGeek's privacy-focused estimator provide reliable cost estimates to help you identify affordable providers before sharing sensitive data.
Companies vary in their information requirements. The General needs minimal details, while Allstate requests detailed information. For the most privacy-friendly experience, use a comparison tool to narrow options first, then provide detailed information only to your top choices. This strategic approach helps you find competitive rates while minimizing unwanted marketing contacts and protecting your personal information.
We gathered frequently asked questions about anonymous quotes to simplify your car insurance shopping experience:
You can get general car insurance estimates without providing identifying personal information like your name, email or phone number. However, you'll still need to provide some details like ZIP code, vehicle information and basic driver demographics. These anonymous quotes are less accurate than personalized quotes but useful for initial comparison shopping before sharing more sensitive information with your top choices.
You can get quotes without commitment by using comparison tools that protect your privacy. Just share basic information like your ZIP code and car details, but hold back on personal contact information. If a site asks for email, consider using a separate address just for insurance shopping to keep your main inbox spam-free.
Many insurance companies offer complete online quote and purchase processes without requiring you to speak with a representative. Insurers like The General, GEICO and Progressive have streamlined online systems where you can get quotes, select coverage, make payments and receive proof of insurance entirely online. This option is ideal for those who prefer a self-service approach and want to maintain privacy.
Most legitimate insurance websites are secure, but be careful. Look for the padlock icon and "https" in the web address, and read how they'll use your information before sharing it. Some companies are more privacy-friendly than others. The General and GEICO typically ask for less personal data.
Some auto insurance companies require your Social Security number because they use your credit history to determine rates in most states. However, many companies, including The General and GEICO, make providing your SSN optional for initial quotes. Without an SSN, the rate provided may be less accurate but useful for comparison shopping.
For anonymous quotes, you'll only need basic details like ZIP code and vehicle information. Binding quotes require more personal data, including contact information, driver's license, birth date and sometimes SSN. The key is to start with minimal information and share sensitive details only with your final choices.
Insurance companies need certain details to figure out your risk level and price your policy fairly. While they'll eventually need detailed information for a binding quote, you can start with just the basics. Think of it as a two-step process: anonymous research first, then sharing full details only with your top choice.
If you're having trouble getting car insurance quotes, it could be due to incomplete information, technical issues with the quoting system, a high-risk driving record, unusual vehicle type or living in an area with limited insurance options. Try using a different device, providing complete information or contacting companies directly. Using comparison tools like MoneyGeek's calculator may help overcome these obstacles.
Insurance quote accuracy varies based on the information provided. Anonymous quotes using minimal information are typically within 15% to 30% of the final price. Binding quotes with complete personal details are highly accurate unless your circumstances change. For the most accurate quotes, provide detailed information about yourself, your vehicle and your driving history.
Yes. It's recommended for privacy protection and financial planning. By providing just the vehicle's year, make and model, you can anonymously compare insurance costs across multiple providers before purchase. This helps with budgeting and prevents buying a vehicle with unexpectedly high insurance premiums.
When getting car insurance quotes over the phone, you'll typically need your personal information (name, address, date of birth), driver's license number, vehicle information (year, make, model, VIN), driving history and current insurance details. Phone quotes generally require more personal information than online anonymous quotes, so consider getting anonymous online estimates before calling.
Why Trust MoneyGeek?
Our detailed analysis of anonymous car insurance quotes is built on extensive data collection from state insurance departments and Quadrant Information Services. We carefully studied quotes for diverse driver profiles across multiple locations to provide accurate, privacy-focused recommendations.
Insurance costs vary significantly based on internal and external factors, and our research confirms that shopping anonymously first is the most effective strategy for finding competitive rates while protecting your personal information.
Privacy-Focused Evaluation Process
We conducted extensive testing and comparison of various car insurance companies to determine which offer the most privacy-friendly quoting processes. Our evaluation focused on the amount of personal information required, quote processing time and the overall user experience when trying to get estimates with minimal data sharing.
For each insurance provider, we analyzed:
This privacy-focused assessment allowed us to rank insurers from most to least privacy-friendly, giving consumers clear guidance on which companies respect their data privacy during the quote process.
Study Overview
MoneyGeek analyzed thousands of car insurance quotes for representative driver profiles to determine national and state averages while preserving privacy.
Our research focused on which companies require the least personal information, how quote accuracy varies with different information disclosure levels and optimal strategies for balancing privacy with quote accuracy. We paid particular attention to the cost difference between minimum liability insurance and full coverage, and how rates change for drivers with various driving records.
Data Sources and Depth
Our research team gathered information from official state insurance departments and Quadrant Information Services. We reviewed 83,056 quotes from 46 companies across 473 ZIP codes nationwide. This extensive dataset allowed us to identify which companies consistently provide the most accurate anonymous quotes compared to their final binding quotes, helping consumers protect their privacy without sacrificing quote accuracy.
Driver Profile
To calculate the average annual cost of car insurance while maintaining anonymity, MoneyGeek used a standard driver persona with the following characteristics:
We systematically adjusted this profile based on location, coverage type and coverage amount to determine average insurance costs across the U.S. for different coverage needs. This standardized approach allows for meaningful comparison of anonymous quote accuracy between companies and states.
Coverage Levels and Deductibles Explained
For minimum coverage quotes, no deductible applies since liability-only policies don't include deductibles. Full coverage, which includes comprehensive and collision insurance, requires a deductible for each coverage type.
The deductible represents your out-of-pocket payment before your insurer covers claim costs. Full coverage offers better financial protection by covering third-party liability and your vehicle damage.
Liability limits are typically expressed as 100/300/100 or 50/100/50:
100/300/100 means:
50/100/50 means:
We used a full coverage policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision insurance for our national anonymous quote accuracy analysis.
For state-specific anonymous quotes, we used a full coverage policy with 50/100/50 liability limits and a $1,000 deductible for both types to ensure consistent comparisons.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
