Cheap Auto Insurance Coverage

Need cheap auto insurance coverage? The average cost of auto insurance is around $79.58/mo. Your state laws, driving history, and age affect 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 20, 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...

  • Shopping for affordable auto insurance has never been easier
  • Online comparison tools let you compare up to three or more quotes at one time
  • Be sure to inquire about different types of discounts such as being a good driver, under 25, and having a clean driving record

Shopping for cheap auto insurance coverage has never been easier. It doesn’t matter who needs cheap auto insurance coverage. It can be:

  • One person
  • A married couple
  • A non-married couple
  • An entire family

They can search for liability coverage only, or they can purchase the most extensive coverage possible, and everyone looking for insurance can find it on our FREE comparison website.

The comparison website takes everybody’s information, and several auto insurance companies tailor a quote for their demographics and the coverage that will suit their needs.

Start now with our ZIP code search to get your FREE quote!

Average Car Insurance Rates


It will be easier for some people to obtain cheap auto insurance coverage than it will be for others. In some states, such as New York and New Jersey, auto insurance rates are high for everyone. Other states like Indiana and Wisconsin are lower than the national average.

In these cases, it doesn’t matter who the drivers are. They will be quoted higher or lower rates because the conditions they will be driving in are more or less dangerous.

In New York and New Jersey, auto insurance is more costly because these states have more congested, urban areas. There are more cars on the roads, giving drivers more of a chance to have an accident.

Auto insurance can be cheaper in states such as Indiana and Wisconsin because there are more rural areas.

With fewer cars, people have less of a chance of colliding with each other, but other dangers may present themselves as well that aren’t as prevalent in New York or New Jersey.


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

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Discounts for Cheap Auto Insurance Coverage

In New York, the average good driver can expect to pay $2,423.89. This number is almost $1,000 higher than the national average. It is imperative that people compare quotes to obtain cheap auto insurance in New York.

It also doesn’t hurt to ask for discounts in Indiana where the average rates are a low $929.26 because it doesn’t make sense to pay a higher price if it’s possible to pay a lower one.

Some of the many reasons for auto insurance discounts are:

  • Driving less than 10,000 miles per year
  • Being a good student in high school or college
  • Being a married male under age 25
  • Making payments for their premiums electronically
  • Paying their yearly premiums all in one lump sum
  • Having a good driving record
  • Driving a vehicle with anti-lock brakes
  • Parking the car in a garage

Because different companies will not all offer the same discounts, as people receive their quotes from this comparison website, they will need to ask their representatives what discounts they have.

One company may have a couple discounts they can qualify for, but another company might have several more that will help them create a cheap auto insurance policy.

Drivers all over the country can create the cheapest policies for themselves by doing a few things that will encourage companies to offer them lower quotes. One thing they can do is maintain their high credit scores.

The Advantage of High Credit Scores


Drivers all over the country can create the cheapest policies for themselves by doing a few things that will encourage companies to offer them lower quotes. One thing they can do is maintain their high credit scores.

Several insurance companies like to find out what their prospective clients’ credit scores are before they offer them an insurance policy. The highest scores receive the lowest rates, so people must make sure to pay all of their bills on time.

If their credit scores go down, they will lose their cheap auto insurance coverage. 

The type of car you drive can impact your insurance rate. If your car is a particularly safe automobile, the insurance companies will, naturally, charge lower rates.

Optional Auto Insurance

People who are looking for cheap auto insurance coverage will, sometimes, decide to purchase only what their states require of them.

These policies will pay for third party medical bills for bodily injuries and repair bills for whatever was damaged in the accident.

Although all people need to purchase is liability coverage, drivers who opt for the minimum won’t have any recourse other than their own wallets for having their own medical bills and car repair bills paid.

This would be what optional types of auto insurance would cover.

If drivers are comparing their quotes for auto insurance, they will be able to search for cheap auto insurance that will cover their bodily injuries and their property damages if they cause an accident. By doing so, they will find affordable optional coverage for their vehicles.

The entire process of comparison shopping is the best way for people to find cheap auto insurance coverage.

Why not start now by entering your zip code below? Affordable auto insurance is only a click away!



Free Auto Insurance Comparison

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

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