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Do I need to unfreeze my credit to get a quote?

I usually keep my credit frozen for security and peace of mind, but I'd like to compare rates and get quotes on insurance. Do I need to unfreeze my credit to get accurate quotes?  

Jul 22, 2022 Atlanta, GA

Answer
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Nathan Foster

Agency Trainer

Credentials
  • Licensed Insurance Agent - Property and Casualty

Nathan is an insurance professional with a focus on creating positive customer experiences with more than 10 years of industry experience.

Nathan tra…

You should be able to get preliminary rates with your credit still frozen. However, in order to run all of the reports (credit, claims history, violation history, etc.) and finalize your auto insurance rates, many carriers will require a credit check which would require you to unfreeze your credit.

If you want, you can use The Zebra to get auto quotes from multiple carriers today with your credit still frozen, but again you'll likely need to unfreeze your credit in order to finalize those rates.

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Insurance is complicated, but it doesn't have to be.

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