About Gap Insurance Quotes: Our Gap Insurance Policies are available on new & used cars, trucks and SUV's purchased or refinanced within the past 12 months. The cost of gap insurance through GapInsuranceQuotes.com is a one time fee of $399. This cost is for the life of the loan and does not matter if the car is new or used. Compare our $399 fee with the typical car dealership's charge of $500-$700. This makes our $399 offer an extremely attractive offer and the best in the industry.