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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.
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 for the same driver profile to get an idea of who might have the cheapest rates for you.
Cheap car insurance by driver
These insurers tend to have the cheapest rates for certain drivers, but your mileage may vary.
|Cheapest for||Average monthly rate||Cheapest insurer|
|Drivers who want to bundle insurance||$72||★★★★★||Progressive|
|Military members, veterans and family||$44||★★★★★||USAA|
Cheapest minimum car insurance coverage
|Company||Lowest annual rate||Learn more|
|21st Century||$651||Read review|
|Liberty Mutual||$709||Read review|
|State Farm||$726||Read review|
|The Hartford||$727||Read review|
Cheapest car insurance for men
|Age||Cheapest rate||Cheapest insurer|
Cheapest car insurance for women
|Age||Cheapest rate||Cheapest insurer|
Cheapest car insurance for young drivers
|Company||Cheapest annual rate|
Get cheap car insurance quotes online
How do I get cheap car insurance?
Compare the top ways to save on your car insurance to find out if you could lower your premiums.
- Only pay for the coverage you need. Resist adding optional extras unless you truly need them. Also consider dropping comprehensive and collision on an older car.
- Trade in for a cheaper car. The next time you’re shopping for a new or new-to-you car, look for lower insurance rates on safer cars or cheaper cars.
- Try a higher 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.
- Be a safe driver. Take a defensive driving course to get a safe driver discount and some new skills, and keep your claims history and tickets to a minimum.
- 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.
- Park in a safe location. Cars kept in locked garages are cheaper to insure than those parked on the street. Consider installing antitheft or security features for lower premiums.
- Reduce your mileage. You could get a low mileage discount if you drive less than 35 miles a day or 13,000 per year.
- Improve your credit score. If you live in a state that allows insurers to factor in your credit score when setting your rates it could save you big to bump it up before applying.
- 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.
- 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.
- Consider local carriers. A regional or local car insurance company may have better rates than a national one.
Cheap car insurance coverage
Full coverage policies are typically twice as expensive than liability-only policies. That’s because it includes collision and comprehensive coverage, which protect your car from almost any kind of accident.
|State||Liability only||Full coverage|
What kind of coverage can I drop to save money on my policy?
You might be able to drop certain kinds of coverage from your policy to get big savings on the cheapest auto insurance rates. Make sure this option works for you before cutting coverage you do need.
- Comprehensive. Drop comprehensive on an older vehicle to save big.
- Medical payments. Your health insurance might be enough to cover your bills in an accident.
- Gap insurance. After you pay off your car loan, you won’t need gap insurance anymore.
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
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