Compare the best cheap car insurance for 2020

Car insurance can protect you and your vehicle from the unexpected, but it can also take a chunk out of your budget. By comparing low-cost insurers and figuring out the right kind of coverage for your car and the way you drive it, you can get a policy that saves you big while offering full protection.

WATCH: How to get cheaper car insurance

Which companies have the best cheap car insurance?

The cheapest insurance for you depends on what you’re looking for in a policy, plus other factors such as your driving record, location, demographics and car. The cheapest car insurance company for one driver might not be the same one for another.

Compare the companies with the lowest rates to get an idea of who might have the cheapest rates for you.

Cheapest car insurance for most drivers

These insurers tend to have the cheapest rates for certain drivers, but your mileage may vary.

Cheapest liability only car insurance coverage

• Quote methodology: driver profile & coverage options

  To get the cheapest auto insurance quotes, we compared rates for the same driver profile averaged across all California zip codes.

  • Male driver
  • Married
  • Good credit
  • 2017 Toyota Camry LE
  • State minimum coverage

Cheapest car insurance for men

Surprisingly, Allstate and Travelers had the lowest rates for men, though Mercury also had the lowest rates for certain drivers. When you get quotes, you might not see these rates, since your actual rates will be based on factors like the car you drive, where you live and your driving history.

Cheapest car insurance for women

Allstate and Travelers had the lowest rates for women too, but Central narrowly made the list too for certain drivers. While this is the absolute lowest rate you could get from these insurers, not every driver will qualify due to other factors that play into rates, such as your car, driving record and address.

• Quote methodology: driver profile & coverage options

  To get the cheapest auto insurance quotes, we compared rates for the same driver profile averaged across all California zip codes.

  • Married
  • Good credit
  • 2017 Toyota Camry LE
  • State minimum coverage

Cheapest car insurance for young drivers

• Quote methodology: driver profile & coverage options

  To get the cheapest auto insurance quotes, we compared rates for the same driver profile averaged across all California zip codes.

  • Under 21
  • Male driver
  • Married
  • Good credit
  • 2017 Toyota Camry LE
  • State minimum coverage

Get cheap car insurance quotes online

Sort by:

Name	Product	Roadside assistance	New car protection	Accident forgiveness	Safe driver discount	Available states
Progressive		Optional			30%	All 50 states	Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.	Get quotes More Info	Compare	loading Fetching your data...
Clearcover		Optional			Yes	AZ, CA, IL, LA, OH, TX, UT and WI	Get instant online support and score a low rate thanks to online data that sets premiums automatically.	Get quotes More Info	Compare	loading Fetching your data...
The AARP Auto Insurance Program from The Hartford		Optional			Yes	All 50 states & DC	Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.	Get quotes More Info	Compare	loading Fetching your data...
Allstate					13%	All 50 states	Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.	Get quotes More Info	Compare	loading Fetching your data...
EverQuote		Optional			Yes	All 50 states	Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.	Get quotes	Compare	loading Fetching your data...
Esurance					40%	All states except AK, DE, HI, MT, NH, VT, WY	Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.	Get quotes More Info	Compare	loading Fetching your data...
Liberty Mutual		Optional			30%	All 50 states	Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.	Get quotes More Info	Compare	loading Fetching your data...
Gabi		Optional	Optional		55%	All 50 states	Upload your current policy info and get quotes from 20+ companies who could get you a better rate.	Get quotes More Info	Compare	loading Fetching your data...
Branch		Optional			No	AZ, MO, IL, OH and TX	Benefit from this online-based startup’s steep savings and convenient online quotes and claims.	Get quotes More Info	Compare	loading Fetching your data...

loading

Load More

Compare up to 4 providers

Clear selection

Compare

What’s the cheapest type of car insurance policy?

The less coverage you have, the lower your premiums. Liability only policies are the cheapest type of policy because you’re only covered for the bare minimum required by your state, which is typically bodily injury and property damage liability. Higher coverage policies that include collision and comprehensive coverage, often called full coverage policies, are typically twice as expensive than liability-only policies because these policies protect your car from almost any kind of accident.

More car insurance rates by state

What can I do to get cheap car insurance rates?

Compare the top ways to get cheaper car insurance quotes.

1. Remove coverage you don’t need. Resist adding optional extras unless you truly need them. Also consider dropping comprehensive and collision on an older car.
2. Raise your deductible. Consider raising your deductible, which is the amount you have to pay when making a claim before you get reimbursed. A higher deductible means lower premiums. Just make sure you can afford the higher cost if you end up needing to make a claim.
3. Nominate your drivers. You should see lower premiums by insuring your policy in the oldest or safest driver’s name and nominating drivers with higher risk. Just avoid fronting — falsely listing who uses the car the most — otherwise your claim could be denied.
4. Reduce your mileage. You could get a low mileage discount if you drive less than 35 miles a day or 13,000 per year.
5. Check for discounts. Make sure you’re getting rewarded where you can. And check for any new deals that may come up after being with a carrier for a while, like a claims-free or loyalty discount.
6. Shop around to compare prices. Switch car insurance instead of renewing, especially if you’ve been through any big life changes like getting married or moving. You can also use comparison quotes to ask for a price match from your current insurer, or compare quotes from regional or local car insurance company.

Bottom line

If you want inexpensive car insurance, you’ll need to compare the options available from a range of insurers. The right policy at the right price is out there, you’ve just got to go find it. Compare your options to find cheap auto insurance that’s right for you.

Common questions about cheap car insurance

• Is budget car insurance a good idea?

  Budget car insurance companies can offer a good rate for drivers who have trouble getting covered, but they’re not for everyone. You might find better customer service, mobile apps and coverage from bigger national companies, but those benefits don’t always come with the lowest insurance rates.

• How do I find cheap insurance companies near me?

  Sometimes small insurance companies or local and regional companies understand your needs better than the big national companies. Find your state and then check out providers who offer cheap insurance near you.

• How do I get cheap car insurance without black box insurance?

  Not everyone wants a telematics device tracking their driving, and drivers without clean driving records won’t always find good rates from black box providers. The easiest way to save on car insurance is to compare quotes online from multiple providers, especially when you can compare everything easily in one place.

• What's the cheapest guaranteed car insurance?

  While no car insurer is guaranteed to insure you, you’ll have a better chance of getting approved with high risk insurers like The General or Safe Auto. You won’t always get the lowest rates though, since driver risk is shared among your insurer’s other customers.