Verification Status: This article is based on publicly available information (no actual usage or trading by the editorial team).
"Am I really okay with my current car insurance?" – Kenta Tanaka (35, office worker), who was reviewing his household budget ahead of taking out a mortgage, began questioning his annual premiums. Researching multiple insurance companies on his own was a hassle. That's when he found "Inzweb," operated by SBI Holdings. After hearing he could get free, side-by-side quotes from up to 20 companies, he decided to check it out right away.
Inzweb is a service backed by the reliability of the SBI Group and over 11 million users, allowing you to easily compare car insurance quotes from multiple companies for free. It's ideal for anyone looking to keep premiums low while saving the trouble of researching each company on their own.
Can Reviewing Your Car Insurance Save You Around 30,000 Yen a Year? What Is InsWeb?
The first thing I felt was a vague doubt: "Isn't my current insurance premium too high?" Car insurance takes up a big chunk of fixed expenses. But when I tried to get quotes from other companies, the hassle of jumping between different sites and re-entering the same information over and over quickly made me feel like giving up.
That's exactly when InsWeb comes in handy.
InsWeb is a car insurance comparison service operated by SBI Holdings, listed on the Tokyo Stock Exchange Prime Market. With over 25 years of experience since its launch, it has been used by more than 11 million people. You can request quotes from up to 20 insurance companies with just one entry, and the results are available in as little as three minutes. Best of all, the service is completely free, and there's no obligation to sign up after getting a quote.
"It's worth a try" — Kenta decided to first check out the official site for an overview.
An Honest Look at the Pros and Cons of InsWeb
Even when you hear "free and easy," you still want to know what it's really like. It's important to understand both the good and the bad sides. Based on multiple review sites and comparison articles, here's a breakdown of InsWeb's advantages and disadvantages. While there are major benefits, there are also some key points to be aware of.
| Pros | Cons |
|---|---|
| Easy to compare insurance premiums | Typically only 4 to 6 companies return quotes |
| Completely free to use | You may receive sales calls or emails from insurers after applying |
| Many reviews mention lower premiums | Cannot get quotes from non-partner insurers |
| Simple and efficient input process | Cannot specify detailed criteria for quotes |
| No face-to-face meetings, so you can compare at your own pace | Possible to receive newsletters or direct mail after using the service |
| Quotes are available instantly | Quoted amounts are only reference prices |
| Occasional campaign giveaways | You need to check coverage details yourself |
| Some cases with no sales calls | Too many options can be overwhelming |
One key point to note is that even though "up to 20 companies" is advertised, it's standard to receive quotes from only about 4 to 6 companies. This is a common reality not just for InsWeb, but for many comparison quote services. Also, you should be aware that you may receive sales calls or emails from insurers after getting a quote. However, many users report receiving no calls at all, and we'll dive deeper into this in a later section.
Real User Reviews and Ratings: What They Actually Say
Beyond just theoretical information, you want to hear from people who have actually used it. After reviewing multiple review sites, it's clear that high marks are given for insurance premium savings and ease of input.
High Praise for Premium Savings and Easy Input
What stands out in many reviews is the genuine joy over reduced insurance premiums. One review site even shared data showing an average annual savings of around 30,000 yen.
"My insurance premium went down. It's over 20,000 yen cheaper than before." (From multiple review sites)
"The input process was simple." (From multiple review sites)
"Being able to compare made it easy to choose with confidence." (From multiple review sites)
Many users also note, "It's convenient because it's free to use" and "I got a quote more easily than I expected." The fact that even first-time users can navigate the process without confusion seems to be a key point of praise.
Some Complaints About Sales Calls and Emails
On the other hand, there are a certain number of complaints regarding follow-up contact after getting a quote.
"Calls come from multiple companies." (From multiple review sites)
"After the quote, each company reaches out." (From multiple review sites)
However, these are only a minority of voices. In reality, many users report that "no calls came through." If you don't want emails or DMs, you can also opt out of receiving them. Overall, the majority of reviews are positive, with particular appreciation for premium savings and the simplicity of the input process.
Inswweb vs. Other Services: A Thorough Comparison – Which One Offers the Best Deal?
"But there are other comparison services out there, too." When comparing comparison services, Inswweb stands out for its speed and the number of partner companies. Based on publicly available information as of July 2026, here is a comparison of the major services.
| Comparison Criteria | Inswweb | Hoken Square Bang | Kakaku.com | Individual Company Websites (Direct) |
|---|---|---|---|---|
| Number of Partner Insurers (Max) | 20 companies | 16 companies | 7–8 companies | Only 1 company |
| Speed of Quote Results | As fast as 3 minutes | — | May take time | Instant to a few minutes |
| Number of Users | Over 11 million | 4 million | — | — |
| Reliability of Operating Company | SBI Holdings (Listed on TSE Prime) | — | Kakaku.com (Listed on TSE Prime) | Each insurance company |
| Actual Number of Quotes Received (Approx.) | 4–6 companies | Around 4–6 companies | Around 4–6 companies | 1 company |
| Possibility of Sales Contact | Yes (by phone/email) | Yes | Yes | Yes (from 1 company) |
Keep in mind that the actual number of quotes you receive tends to settle at around 4 to 6 companies for any service. Still, considering the hassle of visiting each company's official website one by one, it's efficient to first get a sense of the market using a comparison service.
"If you want to know your options without the hassle" – since it's free and you can compare quotes from multiple companies without any obligation, there's no reason not to give it a try.
How to Use InsWeb: A Step-by-Step Guide (Even Beginners Can Do It in 3 Minutes)
Using InsWeb is surprisingly simple, and you can get quotes in as little as 3 minutes. Let's walk through the actual steps.
What You'll Need
- Your vehicle registration certificate
- Your current auto insurance policy document
Having these two items on hand will make the input process smooth. The estimated time is about 3 minutes for input, and quotes will be displayed in as little as 3 minutes.
The Process
- Access the official website: Click on "Get a consolidated quote now."
- Prepare your vehicle registration and insurance policy: This allows you to accurately enter your vehicle information and current coverage details.
- Enter information following on-screen instructions: Fill in basic items like usage purpose and annual mileage.
- Review the quotes: In as little as 3 minutes, you'll see a list of quotes from multiple companies.
- Select the insurance company you're interested in: You can compare not only premiums but also coverage details side-by-side.
- Proceed to the contract: You'll sign up directly on each insurance company's website. Of course, you can also just get quotes without any obligation.
You can check the actual on-screen flow on the official website. The input fields are kept to a minimum, designed so even first-timers can navigate without confusion.
"It looks like I could do this during my lunch break," Kenta thought, pulling out his smartphone. With zero out-of-pocket cost, just a few minutes of input could lead to saving tens of thousands of yen a year.
Do Sales Calls Really Come? 5 Points to Ease Your Concerns
The biggest concern with one-stop quote services is whether you'll receive follow-up sales calls. To put it simply, in many cases, no calls come at all—so there's no need to worry excessively. Here's a breakdown of common concerns and the reality behind them.
Q. Won't the solicitation be pushy? A. In reality, many users report that no calls come at all. While you may receive emails or postcards, you can opt out of these if you don't want them.
Q. Is this a shady service? A. The service is operated by SBI Holdings, a Tokyo Stock Exchange Prime-listed company with over 11 million cumulative users. Personal data is handled with strict management protocols, including SSL-encrypted communication.
Q. Is it really free? A. Yes, it's completely free to use. There is no obligation to sign up after receiving quotes. Insweb's revenue comes from advertising fees paid by partner insurance companies.
Q. Will I get the quote results quickly? A. You can see results in as little as 3 minutes. Depending on the information you enter, it may take a bit longer, but the instant display is a major advantage.
Q. Could my personal information be leaked? A. Your data is protected under SBI Group's strict management system with SSL encryption. It is never shared with any company outside the partner insurance providers.
"Knowing all this, I feel like I don't need to be overly cautious anymore." — My concerns gradually faded away.
Conclusion: Who Is Insweb Best For? [Final Verdict]
Based on the information above, let's make a final call on whether Insweb is right for you.
Insweb is suitable for:
- Those who want to save on their current insurance premiums
- Those who want to skip the hassle of researching multiple companies on their own
- Those who value a trusted operator like the SBI Group
- Those who want to get a feel for market rates for free first
Insweb is NOT suitable for:
- Those who cannot tolerate any sales calls or emails
- Those who only want to compare specific insurance companies
- Those who want to fine-tune coverage details and get customized quotes
For people like Kenta who want to "easily compare insurance premiums as part of a household budget review," Insweb is a perfect fit. Since you can gather information at zero cost, it's the ideal first step. If you're just looking at quotes, there's no obligation to sign up. Why not start by checking out your options with a free quote?
Please note: The best choice of car insurance depends on your individual driving situation and desired coverage. The quote results are for reference only. Before finalizing any contract, be sure to review each insurance company's important terms and conditions. Also, campaign gifts and offers are subject to specific terms and conditions—please check the official website for details.
Methodology and Disclosure
Verification Method: This article is based on publicly available information as of July 22, 2026. The editorial team has not signed up for or used the services reviewed. This analysis is derived from public sources (official websites, third-party reviews, and user feedback). Service details, fees, and promotions are subject to change, so please always check the official information before signing up.
Publisher Information: The editorial policy and evaluation criteria for this article are outlined in the Editorial Policy, and the verification procedures are detailed in the Evaluation Methodology. If you find any inaccuracies, please report them via our contact form.
Affiliate Disclosure: This article contains affiliate links, and our site may earn a commission at no additional cost to the reader. Such compensation does not influence the content of our reviews.
Frequently Asked Questions
Is InsWeb really free to use?
Yes, it is completely free. There are no charges for requesting quotes or comparing plans. You are never forced to purchase a policy, and you can compare premiums from multiple insurers at no cost.
Will I definitely receive sales calls after getting a quote?
Not necessarily. Many user reviews mention they did not receive any calls. However, some insurers may contact you. If you prefer not to be contacted, you can opt out of further communications.
Is my personal information safe?
InsWeb is operated by SBI Holdings, a company listed on the Tokyo Stock Exchange Prime Market, with over 11 million users. Your personal data is handled with strict security measures and is kept safe.
How quickly will I get my quotes?
Results can appear in as little as 3 minutes. The input process also takes about 3 minutes, making the entire experience very fast and efficient for comparing options.
Which insurance companies are partnered with InsWeb?
InsWeb partners with up to 20 insurers, though typically 4 to 6 companies will return quotes. You can check the official website for the full list of partner insurers.
Am I forced to buy a policy after getting a quote?
No, you are never forced to purchase. You can use the quotes as a reference and only consider a policy if you are satisfied. There is no pressure to buy.
How do I receive campaign gifts or promotions?
InsWeb occasionally runs campaigns where you can receive gifts if you meet certain conditions. For details, please check the official InsWeb campaign page.
Can I modify my quote details after submitting?
Once you have submitted your quote request, you cannot change the details. To get a quote with different conditions, you will need to re-enter your information.
Sources
This article is based on publicly available information as of 2026-07-22.
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