Is getting affordable auto insurance worth the time and effort?

The average cost of auto insurance in the US is $79.58/mo, but you can save up to 20% on your rates by comparison shopping every two years.

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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...

  • Comparison shopping can usually save you from 15 to 20 percent on your car insurance rates
  • Using a free website that does multiple quote comparisons at the same time will help you save time
  • Find out about discounts such as a good driving history or bundle discount to save even more money

For most people, auto insurance is a major expense for them on a regular basis.

If you are not sure that you’re getting the best deal, you may be considering shopping around to get a better price on your auto insurance policy.

At this point, you might be concerned about the amount of time and effort that you have to put in to find the best deal available.

Is it really worth the time and effort that you’re going to put in to evaluate auto insurance company quotes, just so that you can save a little bit of money?

Our FREE car insurance comparison tool is available now to give you quotes in minutes when you enter your ZIP code!

Cost-Benefit Analysis

If you are trying to decide whether you should invest the time and energy in shopping for the best cheap auto insurance, try doing a cost-benefit analysis.

Consider how much you could possibly save compared to what you pay now. The auto insurance business is competitive, and quotes can vary.

However, saving somewhere between 15 and 20 percent compared to what you’re paying now might be about the maximum that you can save.

Look at how much money you make per hour in your job. Then compare that to how much time you plan on investing in shopping around for auto insurance.

For instance, if you make $20 per hour and you think it will take you three or four hours to get a new auto insurance policy, the cost of your time is $60 to $80.

If you could save more than $60 or $80 per year by getting cheaper auto insurance, then it would make sense to go ahead and start shopping.

If you’re going to spend a lot more time on the job, then it may not be worth your time.

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

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Minimize the Time Investment

If you’re concerned about the time and effort it will take to shop for a new auto insurance policy, you may want to consider the different ways that you can shop for auto insurance.

Some methods are more time-consuming than others.

If you decide to go around to all of the various insurance companies in your area to get quotes, this could take quite a bit of time and effort to complete.

A faster way to do this would be to use our free online auto insurance comparison tool.

This will be much faster than calling insurance companies and getting quotes over the phone. You can enter information such as your ZIP code and your age to get a quote with most insurance companies.

One of the fastest ways to compare auto insurance quotes is to go to a site that does all the work for you.

There are several sites online that will allow you to compare multiple insurance companies at the same time.

You may simply have to enter some personal information and then the site will get quotes from all of the insurance companies in your area at the same time.

At that point, you can choose an insurance company to work with and get a more exact quote.


Tips on Saving

If you are going to take the time to shop around for auto insurance, you might as well get the cheapest rate that you possibly can.

There are some ways that you can get additional savings on your auto insurance policy.

For example, if you take a driver’s education course, you might be able to get a discount on your next policy.

Additionally, you should do everything that you can do to boost your credit score before you start shopping around. Pay down some debt, fix errors on your credit report and make all of your payments on time.

If you can bundle your coverage together with other policies that you have, this may also be able to save you some money.

If you have a homeowner’s insurance policy with a specific insurance company, giving your auto insurance from that same company could give you a discount overall.

Before you choose a new company to work with just for auto insurance, consider giving a chance to the insurance company that has already given you a policy.


There is not a right answer for everyone on whether its worth it to get a cheaper auto insurance policy.

If you have already shop around once and found a good deal on your auto insurance policy, it may not be worth it to do the same thing again a second time.

You should probably review your auto insurance policy once every few years just so you can make sure your prices are in line with the market. 

If you make a lot of money and you don’t have the time to do anything extra, it may not be worth your time to pursue this option.

Otherwise, it does make sense for a large majority of drivers who pay too much for insurance.

Enter your ZIP code into our FREE car insurance comparison tool to start saving money on auto insurance rates today!



Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption