Where can I find the lowest auto insurance rates?

Looking to get the lowest auto insurance rates? The General, 21st Century, and Esurance may have cheaper policies to suit your needs. Save now and compare rates below.

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

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Oct 20, 2021

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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.

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...

  • Vehicles operating in all 50 states must carry a certain amount of auto insurance
  • Make sure to compare multiple companies and get quotes for the different coverage need
  • Check to see what discounts you may be eligible for

Auto insurance is an unfortunate necessity of life. Vehicles operating in all 50 states must carry a certain amount of auto insurance. There is no getting around it.

However, finding low rates on auto insurance allows a driver to meet state auto insurance requirements and save a little money at the same time. Enter your ZIP code into our FREE auto insurance comparison tool to find the best rates!

According to an assessment of average automobile insurance expenditures, drivers pay the most for auto insurance in the following states:

  • District of Columbia
  • New Jersey
  • Louisiana
  • New York
  • Florida

Drivers pay the least in the following states:

  • North Dakota
  • Iowa
  • South Dakota
  • Nebraska
  • Idaho

Note: Living in one of the states with the most expensive rates does not automatically exclude a driver from being able to save money on auto insurance.

Comparison Shopping

An insurance agent may offer the lowest rate, but the coverage may not be what you need. The first step is to begin to narrow your choices:

  1. Make a list of your insurance needs. This includes the coverage you need and what rates you can realistically afford
  2. Search online to get a general idea of what rates and auto insurance packages are available
  3. Visit local agencies and individual agents in your area. Some agents may offer a quote in person that is lower than what is listed online
  4. Get all quotes in writing
  5. Do not make any commitments to purchase coverage until you have compared rates with other agents

Letting an agent know that you are comparing rates can work to your advantage. Clearly state at the beginning of the conversation that you are just getting quotes and are not prepared to make a final decision yet.

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Ask Friends and Relatives

Friends and relatives are more likely to give you an unbiased opinion when it comes to auto insurance. The same is true when reviewing comments online.

People are usually willing to share their experiences, both positive and negative, with others. This is especially true when it comes to saving money.

Age-Related Discounts


Younger drivers are going to pay more. That is a fact of life in the world of auto insurance.

If you are a younger driver and maintain a good driving record, you are likely to see a discount of around 20 percent once you reach the age of 25. Conversely, drivers over the age of 60 may face increased rates.

However, a good driving record is considered in each situation. You will typically find the best auto insurance rates between the ages of 25 and 55, considered the safest collective age group of drivers.

Living in a Lower-Crime Area

Where a driver lives can be a determining factor in auto insurance rates. The length or your daily commute and the overall crime rate in your area can also affect your insurance rates.

If you can demonstrate that you live in a safe neighborhood and take a reasonably safe route to work every day, you are likely to get some type of discount.

Most agents will confirm your home address since this is a determining factor in setting your premium.


Free Auto Insurance Comparison

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

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Stay Local

If you can, try to find an insurance agent or agency in your general area. They are more likely to be willing to offer you driver-specific discounts.

Additionally, if most of your neighbors are using a certain agent or agency in the area, they are more likely to be willing to add you to their client list by offering a low rate.

Remain Loyal

Loyalty means a lot in any business. Instead of looking elsewhere for lower auto insurance rates, start with the company you have now. If you have had your auto insurance for a long period of time, discuss the possibility of a discount with your agent.

Let your agent know that you are shopping around for a lower rate. Most companies want to hold on to their customers and will make reasonable concessions to do so.

Online Discounts


If you cannot keep it local, your next bet is to look online. Many online agents or agencies will request certain information to provide you with a quote. Be honest about the information you provide.

Typical questions involve basic details of your driving record and general information about the policyholder such as age and driving record.

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

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Use Your Existing Insurance Company

Several insurance companies offer multiple types of auto insurance coverage, including auto insurance. If you have life insurance or health insurance with the same company, ask if they offer auto insurance coverage.

Adding this coverage to your policy is a good way to secure a reasonable rate since you are already a known policyholder.

Depending on the company you are working with, you may be able to secure a lower rate for consolidating all your insurance needs with one company.

Multiple Vehicle Discounts

Some companies offer an auto insurance discount for multiple vehicles covered under a single policy. Multiple drivers can be added to an existing insurance policy to save money.

Sometimes it is cheaper to hold separate policies. Before making a change, ask what discounts are available for multiple vehicles.

Keep in mind that the policyholder must be the owner of the vehicles being insured unless one of the vehicles belongs to a minor. In that case, the vehicle can be added to the policy.


  • Start with the insurance company you are currently using. If they offer auto insurance, they may offer you a deal to add auto insurance to your list of coverage options.
  • If you cannot get a deal with your current company, then move onto other agents and companies in your area. Remember to get all quotes in writing.
  • Search online, making note of premium rates and what coverage is provided for that price. Be honest with your information. Even if your driving record is not perfect, you may still be able to find a deal.

It takes a little work to find the lowest auto insurance rates. Do not just look for the cheapest rate. There is no point in paying a low premium if it will cost you much more in the event of an accident.

Allow enough time to get a decent selection of quotes before making your final decision. Low auto insurance rates aren’t as elusive as you might think. Find cheap auto insurance comparison with our ZIP code search and save!

Free Auto Insurance Comparison

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

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