Can you get cheap auto insurance?

Need cheap auto insurance coverage? The average cost of auto insurance is around $79.58/mo. Your state laws, driving history, and age influence your rates the most.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Oct 19, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember...

  • Auto insurance is required before you can start driving in any state
  • Know the different types of car insurance coverage to make sure you are paying for what you need
  • Compare several different car insurance providers before purchasing a policy

Having car insurance is not only important, it is required by law.

Any driver who operates a vehicle must have some type of auto insurance for their car to stay legal and to protect themselves in the event of an accident.

Depending on your circumstances, you may be paying more than you have to for auto insurance.

You can lower your rates and still keep your coverage the best when you know how to be looking for cheap auto insurance.

Start looking here by entering your ZIP code into our FREE auto insurance comparison tool!

Understanding Your Auto Insurance Policy


The first step to getting the cheapest auto insurance is to understand what you are purchasing.

There are many different types of insurance available, and it can be tough to understand what you need and what you really don’t.

Let’s take a look at some of the more common terms:

  • Comprehensive – covers damage from the weather, theft, or a collision with an animal. Comprehensive is good auto insurance coverage to have and is required on vehicles that are still owned by the bank.
  • Collision – covers your vehicle if you are in an at-fault accident. It will pay for the damages to your vehicle.
  • Liability – is the bare minimum coverage that a driver must carry. If you are involved in an accident, liability covers the damages caused to the vehicle or object you hit.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Choose an Online Company to Compare

Nowadays, online comparison sites have made the process of insurance shopping much easier.

When you log onto a comparison shopping site, you simply have to input your information one time.

Be prepared with as much information as possible, as you will receive a clearer quote when you can provide more details.

Here is a list of information you should be prepared to share:

  • your vehicle’s VIN number
  • your driver’s license number
  • how much you are paying for insurance now
  • what your limits currently are
  • when your policy ends
  • a valid e-mail address and phone number
  • violations and tickets on your record

An online insurance comparison website will take your information and match you up with insurance companies that can best suit your needs.

They’ll provide you with the best quotes possible, and you will be able to compare between a few different companies at once.

That way, you immediately see who will give you the best deal and go from there.


How do I get those discounts?

There are usually many factors that go into an insurance policy premium.

And remember, cheap auto insurance companies give you a price for a six-month premium, so remember to break it down into monthly payments to understand what exactly you will be paying.

Consider the following factors when looking for an auto insurance policy:

  • Your past driving record – A driver with a clean history will be much likelier to get a good quote than someone who has had accidents and traffic violations.
  • The deductible that you choose – The deductible is the amount you must pay to the insurance company when you are involved in an accident. If you raise it, you will save each month.
  • Your age – Teenage/young drivers cost the most. Re-evaluate your policy when you hit 25 years of age, as most drivers will see a drop in insurance rates then.
  • Safety features – Having anti-lock brakes, airbags, and anti-theft devices on your vehicle make it less of a risk when driving or parked.
  • Don’t drink and drive! – A DUI can wreak havoc on your insurance policy. If you get one, your current insurance may consider you too high of a risk and drop you.

Finding Insurance Quotes


Once you have found some insurance companies from your comparison website, talk to the representatives.

Ask about all the discounts that you can get and take notes.

Makes sure to let the company know if you have found a better deal elsewhere, as they will probably match or beat it if you have.

A comparison website is the quickest and easiest way to get the best insurance quotes without a lot of hassle.

Use our FREE auto insurance comparison tool by simply entering your ZIP code to see the savings that cheap car insurance can bring!



Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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