How to Find Cheap Auto Insurance Rates Online (2022)

Shopping online to compare rates is a clever auto insurance trick to help you get the best deal.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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 Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: May 26, 2022

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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.

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Things to remember...

  • Several factors can help decide how much you will pay for auto insurance, some of which are out of your control
  • Choosing things like a high deductible or minimum liability are easy ways to lower your insurance rates by up to 30%
  • Shopping around and comparing discounts is the most effective way to lower your auto insurance rates

Despite the necessity of insurance coverage, many people are frustrated by how expensive good auto insurance can be. However, there are more benefits to having car insurance than there are reasons not to be protected. Fortunately, the best value for your money doesn’t have to be a headache. Shopping around and comparing insurance rates is just one auto insurance trick that is sure to help you find a good deal. 

Consider both your needs and budget when comparing rates to ensure you aren’t sacrificing coverage over cost. In addition, because rates and discounts will vary between companies, it’s important to do your homework and compare as many companies as you can.

What’s the best way to find cheap auto insurance rates online?

You may get overwhelmed with all of the information you find on insurance policies and different types of auto coverage. It all depends on what vehicles need protecting, and who will need to be covered with your car insurance policy. Not knowing what you need to look at and what to prioritize can leave you researching the internet for hours without coming up with a good deal on car insurance. 

Rather than spending your hours browsing individual company websites, you can use an online comparison site to make the task a little bit easier. If you want a really good deal, you may want to start by looking at the insurance companies known for offering the cheapest auto insurance rates. However, keep in mind that there are various factors that will affect your car insurance rates.

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Personal Factors That Impact Rates

The cost of auto insurance depends on many things. Some of these factors you can control, while others are under the control of the industry and individual companies. Things that you can adjust to help keep your rates low include:

  • Driving and credit history
  • History of prior insurance claims
  • Make, model, and age of the insured vehicle
  • Demographic information like your location

Certain personal factors can qualify you for discounts and cheaper rates, though options vary between companies and do not all add up to the same savings. For example, many companies will offer discounts for certain individuals, such as multi-policy discounts, good student discounts, and safe driver discounts. 

Companies Known for Cheap Rates

Auto insurance rates are priced according to your individual factors and the insurance company’s pricing structure. What you may think is cheap may not be ideal for someone else, so don’t compare your rates to someone else’s. 

Compare rates against other companies and similar policies. Your location has a lot to do with costs as well, so a policy quoted in one state won’t have the same price as in another state.

Average Annual Auto Insurance Rates of the Top 10 Auto Insurance Companies
Auto Insurance CompanyAverage Annual Auto Insurance RatesAverage Six-Month Auto Insurance RatesAverage Monthly Auto Insurance Rates
Allstate$4,887.95$2,443.98$407.33
American Family$3,443.09$1,721.55$286.92
Farmers$4,194.27$2,097.14$349.52
GEICO$3,125.01$1,562.51$260.42
Liberty Mutual$6,073.45$3,036.73$506.12
Nationwide$3,450.00$1,725.00$287.50
Progressive$4,035.52$2,017.76$336.29
State Farm$3,260.00$1,630.00$271.67
Travelers$4,434.91$2,217.46$369.58
USAA$2,537.30$1,268.65$211.44

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These rates don’t include specific coverage options that you may need or account for any discounts you could be eligible for. This is why you should rely on your unique situation when comparing insurance providers rather than make general assumptions concerning coverage.

How do you compare rates online between auto insurance companies?

The auto insurance industry is a competitive field, and you will have several options when looking into the cheapest car insurance rates. Generally speaking, companies such as Esurance, 21st Century, The General, and SafeAuto are known for offering low rates. 

However, if you don’t compare policies equally, you may not be getting a good deal. It’s best to compare at least three companies before deciding which rates are best.

Car insurance comes in many forms, though the more common coverage needs are liability, collision, and fully comprehensive auto coverage. Minimum liability policies give you the cheapest rates, but also the most basic level of coverage. 

Drivers also have to meet state car insurance coverage requirements. Usually, liability coverage must be purchased, as well as uninsured and underinsured coverage in some states. In a no-fault state, you will also be required to purchase personal injury protection and, in some cases, Medical Payments coverage.

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Information You Need When Comparing Rates Online

When you’re ready to compare auto insurance rates, you will need some information on hand. The more accurate you can be using an online rate comparison tool, the more reliable the information provided. Be sure to have the following:

  • The address where the vehicle is registered
  • The date of birth for any drivers on the policy
  • A driver’s license for any drivers on the policy
  • Insurance history for drivers on the policy

You will often find that online comparison tools will preload the coverage requirements for your state, but if you are seeking additional protection, you will need to specify what else you are looking for. This could mean adding personal injury protection, collision coverage, medical payments, or roadside assistance.

How do you get the lowest rates on car insurance?

Once you have all your information ready and you’ve used a comparison tool to find the average rates in your area, you can then move into comparing options for discounts and modifying a policy to lower the cost. 

While you can’t change your age to help your rates, you can focus on being a good driver to get lower rates and qualify for discounts. You can also increase your deductible to lower rates. By combining these adjustable factors, you can find good coverage without breaking your budget.

The Most Affordable Auto Insurance Companies With Discounts

Not every insurance company will offer discounts. SafeAuto and Esurance are two companies known for providing several discounts, but these companies also market their policies directly to the consumer, helping reduce middleman expenses and lowering overall costs. These are a few of the discount options available from these two companies:

Discount Options With SafeAuto and Esurance
SafeAutoEsurance
Safety features discountDefensive driver discount
Good driver discountGood student discount
Lump-sum payment discountFurther education discount
Multi-car discountHomeowner discount
Good student discountSafe driver discount
Homeowner discountMultiple vehicle discount
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These are just two of the many companies offering discounts. You can find other discounts from The General, GEICO, and State Farm. 

Look carefully to see what other discounts are available, and take advantage of what is offered to get the best rates possible on your auto insurance. There is quite an extensive list of discounts available for car insurance, but they will vary from company to company, so it’s always best to check and see what’s being offered. The most common discounts across the industry include low mileage, bundling or multi-policy, safe driver, military, and anti-theft/safety vehicle discounts.

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How to Shop Online for Cheap Car Insurance Rates

Shopping online for your car insurance is a way to take advantage of multi-company comparisons. This easy auto insurance trick gives a quick overview of the coverage available for the best rates. 

Be sure to include a search for discount eligibility to lower your rates even further. With a little research, you can get quality coverage while staying within your budget.

Free Auto Insurance Comparison

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

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