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 in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jul 14, 2021

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In a nutshell...

  • The duration of a quote’s lifespan varies from company to company
  • An expiration date of the quote should be displayed
  • If a quote expires, seeking a new quote should not be a problem

Purchasing auto insurance can be a pleasant experience. A nervous driver who was expecting to pay very high rates may be surprised to learn a quoted rate costs much less than anticipated.

Yes, auto insurance companies are going to charge accordingly based on the risk involved with covering a client. Fair rates do not automatically mean costly rates.

The auto insurance industry, like all other industries, is a competitive one. Offering reasonable — if not compelling — rates draws customers in.

Through the ability to procure several great quotes from the internet, getting an even more fantastic rate on an insurance premium is possible.

Once that great quote comes in, should a customer take immediate advantage of the policy or wait a bit?

Auto insurance policies need the first payment in order to be activated. What if the would-be customer is short on funds?

The central question here is “How long is the quote valid for?” That is an important question since no one would want to see a great offer on insurance lapse only to be eventually replaced by a lesser one.

Looking for the best and most affordable auto insurance rates? Enter your ZIP code above and compare at least three to four policies today!

The Insurance Company Makes The Call


The length of time an auto insurance quote is valid is all based on the internal policies of the insurance company.

If the company’s policy quotes are only valid for 48 hours, then 48 hours is the established duration.

Another insurance provider may allow a quote to be valid for 21 days. The longer timeframe gives someone in the market for auto insurance more time to close the deal.

They may even use the window open prior to the policy expiring to look for a better quote and deal.

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How can the customer determine when the quote expires?

A quote’s paperwork is likely to display a date of expiration published on it. The time of expiration “tells all” as far as how long the quote is in effect.

If the date is not clearly displayed on the quote itself, the customer should call the auto insurance company’s customer service line to get a verbal confirmation.

Ask for an email follow-up confirmation, so documentation exists. The confirmation letter may also act as a reference for those who forget the expiration date or mix up different dates from different quotes.

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Logical Points About Insurance Quotes

The length of time in which the quote is valid is important to know, but this is not always the most important thing to be concerned about.

The goal is to find the best policy with the most beneficial coverage.

Cost is important since no one would wish to pay more for the same level of coverage and service another auto insurance provider is capable of delivering.

Paying a little extra for better insurance coverage and improved service is another matter. Comparison shopping is frequently thought of in terms of the best price.

Insurance companies blare comments about competitive pricing in their marketing campaign, and customers put a high priority on saving money.

Quality and comprehensiveness both mean something to customers as well. Insurance is designed to pay for losses.

A driver who becomes disoriented runs off the road and hits pedestrians is surely going to face civil actions. Auto liability insurance is what comes into play to protect the driver’s financial well-being.

Avoiding the Urge to Rush


When reviewing a quote, the driver needs to carefully examine what the policy is covering and how much.

Rushing in and quickly buying coverage may get something in place, but the insurance might not be as adequate as desired.

Liability insurance is mandatory in 48 states. Virginia is one of two states in which liability insurance is not required. For $500, a driver can opt out of buying insurance.

Doing so could prove to be a huge mistake since the financial devastation levied on a person who does not maintain adequate levels of liability insurance can be quite severe.

While weighing a decision to purchase insurance, the buyer needs to look at their personal assets and figure out how much auto liability coverage is necessary based on net worth and other factors.

$100,000 may be adequate for one person, but $300,000 could be pennies for another.

Others need to look at the current resale value of their vehicle and make a decision about adding comprehensive and collision coverage to pay for any damage or even the outright totaling of the car.

A recently purchased new or used car comes with expectations of several years of use. Collision and comprehensive insurance would protect the purchasing investment by covering damages up to the resale value of the car.

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Moving From One Quote To The Next

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In the unfortunate instance that an auto insurance quote expires, the prospective insurance buyer needs to move on and look for a new quote. Acquiring a new quote from the same company or a different one is up to the customer.

No one can say for sure whether or not the newly quoted price is going to be the same as the previous one, but unless something very impacting occurs, the quote really should not change dramatically.

A “dramatic change” would be something akin to getting a speeding ticket for driving 15 MPH over the limit. A significant increase in premium costs would be unavoidable after being cited for such an egregious violation.

If nothing happens that drastically affects the policy’s underwriting, the quote should not change very much if at all. No one is going to know what the new quote will be, however, until the quote is delivered.

The second a quote expires, you can begin looking for a new quote.

Garnering a series of new quotes is not difficult when employing the right search and comparison service to do so. A new great quote is sure to follow the previous expired one.

Is your auto insurance going to expire soon? Enter your ZIP code below and start comparison shopping to find the best rates for you!