An easy place to start
Begin with your ZIP code and follow clear, straightforward questions.
A clear route to auto insurance
Find auto insurance without the runaround.
Start with your ZIP code, tell us about your car, and explore insurance providers available in your area.
Free to explore. No obligation to buy.
From ZIP code to options.
Your car. Your area. Your choices.
A clear path from ZIP code to provider options. Instant Rates helps connect drivers with insurance providers.
For driversTell us about your car
Answer a few questions about your vehicle and insurance needs.
Explore your matches
See available providers based on the information you share.
Take the next step
Continue with a provider to review coverage and request a quote.
A clearer way forward
Make your next insurance decision with more clarity.
Options for your needs
Explore available providers based on your details.
You choose what comes next
Review your options and decide which provider to explore.
Built for the road ahead
The road changes. Your options can, too.
New car, new address, or just time to review your policy? Instant Rates gives you a straightforward place to explore available providers.
Explore my optionsGood questions. Clear answers.
Frequently asked questions
A little more about what we do, and what to expect along the way.
What is Instant Rates?
Instant Rates is an online service that helps drivers find auto insurance providers available in their area. We are not an insurance company or agency: we don't sell policies, set prices, or handle claims. We connect you with insurance providers and licensed agents who do.
Will I see a price immediately?
Not always. After a few questions, you'll see insurance providers that may be a fit for you. Prices come from the provider, so to get an actual quote you may continue on the provider's website or speak with a licensed agent.
What information will I need?
Your ZIP code, basic details about your vehicle (year, make, and model), who drives it, your driving history, and your current insurance, if you have any. Having your current policy handy can help.
Does it cost anything to use?
No. Instant Rates is free to use. We may be paid by the insurance providers and partners we connect you with. That costs you nothing, and you are never obligated to buy.
Will insurance providers contact me?
Only with your permission. Before you share contact details, the form explains who may contact you and how (by phone, email, or text) and asks for your consent. You can opt out at any time.
Can I keep my current insurance?
Yes. Exploring your options does not change or cancel your current policy. If you decide to switch, start the new policy before you cancel the old one so you are never without coverage.
Take the next step
Ready to explore your auto insurance options?
Find my options
Start with your ZIP code.