How to Get Cheap Auto Insurance

Need cheap auto insurance? You could save up to 40% on your rates by asking about discounts and comparing rates. The national average rate of auto insurance is $79.58/mo.

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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: Jul 16, 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...

  • The best way to get cheap auto insurance is a combination of knowledge and comparison-shopping
  • Depending on where you live, the state law mandates some types of insurance and others are optional
  • An insurance company should be financially stable, have a good record in customer service and pay claims quickly

Many factors determine insurance rates, so the more you know about the topic the better position you are in to get the cheapest rates possible.

An outstanding loan on a vehicle from a financial institution requires full coverage, which consists of liability, collision and comprehensive coverage.

Get the right coverage at the right price with our FREE quote comparison tool! Enter your zip code above to get started!

Types of Auto Insurance and the Coverage They Provide


  • Liability – Liability covers medical expenses and property damage of the other vehicle and passengers if you have an at-fault accident
  • Collision – Collision covers your vehicle and passengers if you have an at-fault accident
  • Comprehensive – Comprehensive covers damage caused by things other than a collision including natural disasters, theft and flying objects
  • Rental – Car rental coverage pays for a rented car if yours is in the shop for repairs due to a covered occurrence
  • Emergency Road Service – This pays for vehicle repair if your car breaks down in transit. If roadside repair is not possible, it pays for towing to the nearest garage or dealer
  • Uninsured Motorist – Coverage pays for damage to your vehicle and medical injury if an uninsured driver causes a crash
  • Personal Injury Protection – Covers you, your passengers or an injured pedestrian and applies regardless of whom is at fault
  • Medical Payments – Medical Payments is extra medical coverage for automobile accidents
  • Underinsured Motorist – If a driver without enough coverage to pay for an accident is at fault, underinsured motorist pays the difference

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

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Every Discount You Qualify for Lowers Your Premium

Every insurance company has auto insurance discounts although there are variations to them.

You will get the cheapest auto insurance rates by carefully going over any possible discounts that apply to you. (Wondering which states have the cheapest auto insurance? Check out our piece on cheap auto insurance by state.)

If one is not on the list or you are unsure if you qualify, it is your responsibility to ask.

Determine if you qualify for the following discounts:

  • Additional anti-theft devices
  • Drivers-ed or a defensive driving course
  • Multi-car discount
  • Multi-insurance discount
  • Good credit rating
  • Membership in a specific organization
  • Good grade discount
  • Good driving record
  • Paying the premium by ETF

The number of discounts available is too numerous to list, so do additional research to make sure you do not miss one.

When researching on a comparison site, seek out discounts specific to different companies.

Factors That Partially Determine Auto Insurance Rates May Be Out Of Your Control


You cannot be in control of every part of your auto insurance costs!

Here are some factors that also have a role:

  • Accident Rate  number of accidents reported in the area
  • Theft  a higher theft rate raises premiums
  • Natural disasters  cost of disasters in the area
  • Miles Driven  more miles mean higher rates
  • Vehicles use  used for work raises rates
  • Age  drivers under age 25 have the highest rates
  • Gender  rates are higher for males than females

While you purchase auto insurance to protect you financially against unexpected events, insurance companies would not be in business unless they made a profit.

Most people know that local statistics help determine auto insurance rates, but may not realize national statistics also have an influence.

If an expensive natural disaster occurs, a company selling insurance nationwide may raise all premiums across the board to compensate for massive claims made against the company.


Go Comparison Shopping

Go to an online comparison site where you can check the rates of many different companies.

Shop for the exact same types of auto insurance from every company or the quotes will not reflect a true comparison.

You can get a general quote by typing in your zip code, but the insurance company will need data that is more detailed.

Be prepared to provide your birth date, the make, and model of your car and the coverage you are requesting.

Make sure the auto insurance companies deduct every discount you qualify for from the premium.

Free Auto Insurance Comparison

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

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Do Not Misrepresent the Facts


It may be tempting when you sit behind a computer to misrepresent the facts in order to get cheaper rates.

If you have modified your vehicle, even though your premium may be higher, be honest.

It is your responsibility to stay informed of changing auto insurance laws and statistics affecting insurance rates.

We make it easy to do from the comfort of your own home, so make sure you get the cheapest auto insurance available.

Get the right coverage at the right price with our FREE quote comparison tool! Enter your zip code below to get started!



Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption