Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Oct 15, 2020

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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Key takeaways...

  • Where you live and what promotions are being offered heavily influence you procuring free car insurance
  • With free car insurance, keep in mind that usually there are stipulations involved or possibly not enough coverage
  • The best way to get the best and more affordable car insurance rates is through online comparison tools
  • Either way, make sure to compare the same factors when comparing auto insurance companies

Is there such a thing as free car insurance? Believe it or not, there is. Some car manufacturers offer free car insurance incentives to buyers (similar to $3,000 cash back or other heavily advertised campaigns) in particular markets at various times of the year.

The ability to get free insurance solely depends on where you live and what car promotions are being offered.

The type of free car insurance offered is not always consistent. Usually, there is never a nationally advertised campaign, but there are consumers who drive around with free car insurance coverage.

Are you looking for better and more affordable car insurance? Enter your ZIP code above and compare at least three to four policies today!

What’s the deal with free car insurance?

When car manufacturers offer Free Car Insurance, the offer usually comes with a lot of fine print, which can include:

Any driver considering taking advantage of a free car insurance offer must read the fine print and make sure they have the appropriate coverage needed to protect both their investment and family in the case of an accident.

Many times the car manufacturer will provide excellent coverage, while sometimes the coverage is more or less aimed at only protecting their investment and staying in compliance with state minimum laws.

One significant benefit of getting free car insurance from a car manufacturer is often a much lower financial commitment every month which means a better car for less money.

Offering free car insurance has proven to be a great campaign time after time. Although, insurance regulations and risk assessment usually never allow a national campaign advertising free car insurance.

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Free Car Insurance Quotes

Whether or not you can find a Free Car Insurance incentive when buying a new car, one thing you can count on is the ability to get free car insurance quotes from almost any provider.

In fact, the #1 way to get the best auto insurance rates starts with free car insurance quote comparison online.

Starting a car insurance comparison search online allows you to use the power of the internet to compare multiple providers without ever stepping away from home. Some of the benefits of online comparison include:

  • Online Quotes – Many companies offer instant rates where you can see the types of coverage and compare premiums side by side
  • 24 Hours – Ever try to call an insurance agent after 6 pm? The internet does not close so getting free car insurance quotes is available around the clock
  • Internet-Only Rates – Car insurance companies aggressively pursue internet customers and sometimes offer much better rates online
  • Education – Just a few minutes online learning about car insurance discounts can save you big bucks; so use the information online instead of waiting for an agent to tell you about what discounts might be possible

How do I find the best car insurance company?

People love this question; however, there is no easy answer.

What you can do is compare industry ratings, ask friends for recommendations, and even research consumer reviews. However, the choice of a provider will come down to who has the most affordable coverage with a solid reputation of being around to pay a future claim.

Your goal will be to compare apples to apples. Many car insurance quotes differ vastly just by a change in a deductible or a change of policy limits. So never compare free car insurance quotes only by the premiums. Some factors to compare are:

Always ignore the pressure of an insurance agent, and do the research. Once you find the right car insurance company, it will usually be a long time before switching again. So take the time, and do it right.

Do you want better and more affordable car insurance? Enter your ZIP code below and start comparison shopping today!


  1. https://www.thebalance.com/understanding-minimum-car-insurance-requirements-2645473
  2. https://money.howstuffworks.com/personal-finance/auto-insurance/comprehensive-auto-insurance-cover.htm
  3. https://money.usnews.com/money/personal-finance/articles/2012/06/04/should-you-purchase-rental-car-insurance
  4. https://www.nolo.com/legal-encyclopedia/the-role-car-insurance-car-accident-case.html
  5. https://www.creditkarma.com/auto/i/how-often-should-i-shop-for-car-insurance/
  6. https://wallethub.com/edu/switching-car-insurance/13553/