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Compare the best cheap car insurance for 2020

Find the cheapest car insurance rates to save on the coverage you need

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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.

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 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 liability only car insurance coverage

CompanyLowest monthly rate
Rating
Geico$33
Finder Rating: 4.5 / 5

★★★★★

USAA$35
Finder Rating: 5 / 5

★★★★★

Progressive$45
Finder Rating: 4 / 5

★★★★★

Mercury$47
Finder Rating: 4 / 5

★★★★★

Esurance$51
Finder Rating: 4.5 / 5

★★★★★

21st Century$54
Finder Rating: 3.5 / 5

★★★★★

Nationwide$56
Finder Rating: 3.5 / 5

★★★★★

Allstate$58
Finder Rating: 4.5 / 5

★★★★★

Libery Mutual$59
Finder Rating: 4 / 5

★★★★★

State Farm$61
Finder Rating: 4.5 / 5

★★★★★

The Hartford$61
Finder Rating: 5 / 5

★★★★★

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.

AgeCheapest rateCheapest insurer
Under 18$83Allstate
18–21$75Travelers
22–25$51Travelers
26–30$50Travelers
31–35$50Mercury
36–45$53Travelers
46–55$53Travelers
56+$54Travelers

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.

AgeCheapest rateCheapest insurer
Under 18$77Allstate
18–21$70Allstate
22–25$57Travelers
26–30$57Travelers
31–35$57Central
36–45$59Allstate
46–55$53Travelers
56+$53Travelers

Cheapest car insurance for young drivers

CompanyCheapest annual rate
Mercury$55
USAA$63
Progressive$81
Esurance$91
Capital$99
Grange$114
AAA$116
Geico$130

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
Get unlimited discounts and score a lower deductible every 6 months you don't make a claim.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Find basic coverage and low rates through its easy online or app-based experience.
Assurance
Optional
Yes
All states except AK & HI
Your broker is your one-stop shop for comparing any coverage you need.
Car Insurance Finder
Optional
Optional
Yes
All 50 states
Get your customized online car insurance quote from top brands near you. Answer 3 easy questions to see your top picks in seconds.
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.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Convenient online quotes, coverage and claims for tech-savvy drivers.
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Compare up to 4 providers

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.

StateLiability onlyFull coverage
Arkansas$48$120
California$52$137
Florida$104$196
Georgia$60$127
Iowa$26$80
Louisiana$83$232
Maine$36$80
Michigan$224$332
New Hampshire$41$87
New Jersey$91$172
North Carolina$44$85
Rhode Island$81$168
Texas$69$204

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

Read more on this topic

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