Compare the best cheap car insurance for 2020

Find cheap car insurance rates to save on coverage

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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 forAverage monthly rateCheapest insurer
Safe drivers$67★★★★★Geico
Low-mileage drivers$57★★★★★Metromile
Student drivers$109★★★★★Allstate
Drivers who want to bundle insurance$72★★★★★Progressive
Military members, veterans and family$44★★★★★USAA

Cheapest minimum car insurance coverage

CompanyLowest annual rateLearn more
Geico$394Read review
USAA$416Read review
Progressive$536Read review
Mercury$564Read review
Esurance$609Read review
21st Century$651Read review
Nationwide$666Read review
Allstate$693Read review
Liberty Mutual$709Read review
State Farm$726Read review
The Hartford$727Read review

Cheapest car insurance for men

AgeCheapest rateCheapest insurer
Under 18$997Allstate
18–21$894Travelers
22–25$617Travelers
26–30$596Travelers
31–35$601Mercury
36–45$636Travelers
46–55$641Travelers
56+$648Travelers

Cheapest car insurance for women

AgeCheapest rateCheapest insurer
Under 18$929Allstate
18–21$849Allstate
22–25$687Travelers
26–30$684Travelers
31–35$681Central
36–45$706Allstate
46–55$641Travelers
56+$648Travelers

Cheapest car insurance for young drivers

CompanyCheapest annual rate
Mercury$665
USAA$750
Progressive$969
Esurance$1,097
Capital$1,189
Grange$1,371
AAA$1,389
Geico$1,559

Get cheap car insurance quotes online

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Progressive lets you instantly compare online quotes with multiple car insurers to see if Progressive really has the lowest rates for you.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Enjoy exclusive savings and benefits designed for experienced drivers over the age of 49.
Gabi
Optional
Optional
55%
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
Clearcover
Optional
Yes
AZ, CA, IL, TX, UT
Find basic coverage and low rates through its easy online or app-based experience.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay-as-you-go rates based on how much and how well you drive start at $29/month plus pennies per mile.
Assurance
Optional
Yes
All states except AK & HI
Your broker is your one-stop shop for comparing any coverage you need.
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Compare up to 4 providers

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.

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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.
  6. 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.
  7. Reduce your mileage. You could get a low mileage discount if you drive less than 35 miles a day or 13,000 per year.
  8. 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.
  9. 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.
  10. 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.
  11. 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.

StateLiability onlyFull coverage
Arkansas$578$1,449
California$629$1,654
Florida$1,253$2,355
Georgia$727$1,523
Iowa$309$968
Louisiana$995$2,789
Maine$431$961
Michigan$2,696$3,986
New Hampshire$4951,041
New Jersey$1,095$2,069
North Carolina$527$1,027
Rhode Island$977$2,017
Texas$826$2,452

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.

Get the cheapest quotes

Compare car insurance companies near you.

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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

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