Getting Car Insurance Quotes Without Using Your SSN or Other Personal Info
Last Updated on December 10, 2025
Shopping for car insurance online should be simple—but it often isn’t. Many insurers demand pages of personal details and sometimes even your Social Security Number (SSN) before showing a single price.
The good news: you can compare real auto insurance quotes without giving away highly sensitive information. With the right tools, you can see rates, protect your privacy, and only share more details once you’re ready to buy.
Key Takeaways
- You can compare real auto insurance quotes online without entering your SSN.
- Good comparison tools use basic info (vehicle, driving history, ZIP code) to generate accurate estimates.
- Several states issue driver’s licenses without an SSN, making it easier to get insured without one.
- Your final rate may change slightly after your driving record and (where allowed) credit are verified.
How to Get Quotes Without Oversharing
Getting quotes directly from each insurer’s website means retyping the same information over and over—and handing your data to multiple companies. A better approach is to use a reputable comparison tool that asks only what’s needed to estimate your price.
A typical comparison site may ask for:
- Your name
- Your gender and date of birth
- Your address or ZIP code
- Number of drivers in your household
- The year, make, and model of your vehicle
- An estimate of annual mileage
- A general overview of your driving history (tickets, accidents, claims)
These details are personal, but they’re not highly sensitive like an SSN. Insurers need this level of info to give you a realistic quote. The key difference: a comparison tool lets you enter it once and see prices from multiple companies at the same time.
Know Your State’s Minimum Coverage
Before you request any quotes—anonymous or not—know your state’s minimum auto insurance requirements. These are usually listed as three numbers, like 25/50/20, which represent:
- Bodily Injury Liability per person – injury coverage for one person you hurt
- Bodily Injury Liability per accident – total injury coverage for everyone hurt in a single accident
- Property Damage Liability – coverage for damage you cause to others’ property
Almost every state (except New Hampshire) requires liability coverage. Many also require:
- Uninsured/underinsured motorist coverage
- Personal Injury Protection (PIP) in no-fault states
No state requires comprehensive or collision coverage, but your lender or leasing company might. You can confirm your state’s latest requirements on your DMV’s website or via this state DMV directory.
States That Don’t Require an SSN for a License
A growing number of states allow eligible drivers—often including undocumented immigrants—to obtain a license without a Social Security Number. Currently, states that issue some form of driver’s license or driving privilege card without an SSN include:
- California
- Colorado
- Delaware
- Connecticut
- New York
- Utah
- New Mexico
- Maryland
- Illinois
- Vermont
- Washington
- Hawaii
These laws help more people become trained, licensed, and insured. While insurers don’t always require an SSN to sell a policy, they almost always require a valid driver’s license. In states that offer licenses without an SSN, it’s usually possible to buy insurance without one too. Regulations change, so always check your state’s current rules.
How to Get Accurate Anonymous Quotes
Not all “instant quote” tools are equal. To get useful, anonymous quotes:
- Choose a tool that asks enough questions to personalize your rate (vehicle, drivers, history).
- Avoid tools that request your SSN or driver’s license number just to show prices.
- Look for real quotes from multiple insurers—not vague “estimates” based only on your ZIP code.
If a website only asks for your ZIP code and nothing else, the number you see is probably a generic average, not a true quote. To get close to your final price, insurers need at least basic details about you and your car.
You can use a temporary email or alternate phone number while browsing, but once you decide to buy, you’ll need to provide accurate contact information. Insurers will verify your driver record and may check your credit (depending on your state’s laws) before finalizing your premium. Learn more about no-credit-check auto insurance quotes.
Final Word: Quotes Without Sharing Your SSN
Anonymous online quotes are a smart way to shop around without exposing your most sensitive data. As long as you answer honestly about your vehicle and driving history, the prices you see can come very close to your final rate—your actual premium will adjust slightly once your record (and where allowed, your credit) are confirmed.
The goal is balance: share enough information to get realistic quotes, but avoid giving out your SSN unless it’s absolutely necessary and you’re ready to purchase. Insurance Panda never asks for your Social Security Number when providing quotes. To compare auto insurance rates securely and anonymously, simply enter your ZIP code at the top of this page to get started.
