Where is cheap auto insurance online?

Finding cheap auto insurance online is easy. Compare multiple insurance quotes below in a matter of mins. Average auto insurance rates are around $79.58/mo. for good drivers.

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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: Nov 18, 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...

  • There are three main sources where you can find cheap car insurance online: comparison websites, company websites, and insurance brokers
  • Keep in mind what your state requirements are for auto insurance while searching for the best quote
  • Also, consider getting supplemental coverage to ensure you are fully covered; there are many options to choose from

When you are looking for cheap auto insurance online, there are many sources you can turn to for free quotes and information. 

When consulting any of these sources, it is important to carefully evaluate what type and how much insurance you are receiving a quote for and what else is included. Explore all of your auto insurance options with a quote comparison tool!

It is always a good idea to get several price quotes for insurance before you make a decision. Try our FREE online comparison tool and compare at least three to four policies today!

Auto Insurance Clearinghouses


One of the easiest ways to find inexpensive auto insurance online is to go to a website that allows you to compare auto insurance quotes from several different companies.

Usually, these insurance quotes are free, and you are required to fill out an informational form. This information is then forwarded to the various insurance companies, and you receive quotes.

Quotes may come in the form of an email from the auto insurance companies, a telephone call, or an automatic quote via a web page.

Clearinghouses are an excellent way to quickly get comparison rates from several different companies. You may find that this is the fastest and easiest way to find out how much auto insurance will cost you and immediately purchase a policy.

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

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Auto Insurance Company Websites


Another source for cheap car insurance quotes is company websites. Many companies have websites that will provide you with an immediate quote for car insurance like:

  • The General
  • SafeAuto
  • Esurance

You will be asked to fill out a form for basic information and then be provided with a quote.

One of the advantages of working directly with an auto insurance company that is primarily online is that you may find that their policies are less expensive than a traditional insurance company.

These online companies have cheaper policies because their expenses and overhead are lower, therefore making them able to offer some of the best auto insurance rates.

Insurance Brokers


Many insurance brokers have websites that allow you to receive quotes online.

The advantage of working with a broker is that they may represent several different insurance companies and can give you personal service if you have questions or concerns about your coverage.


Auto Insurance Requirements

Most states require a minimum of liability insurance for you to be able to drive legally. Liability policies have limits on the maximum amount they will pay for each accident.

Medical payments are also called Personal Injury Policy or PIP in some states. Although this is not a health insurance policy, it pays for medical payments or injury that is the result of an accident.

PIP is basic medical coverage and is supplemental to any other existing medical insurance coverage and covers injuries to the driver and passenger in your car.

Depending on the state in which you reside, medical expenses may be paid regardless of who is at fault in an accident.

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Understanding Auto Insurance Quotes


When you go to an online auto insurance website, you will be asked to select what types of auto insurance coverage you want for your car.

If you are comparing quotes from several different companies, it is important to understand the differences between each type of insurance.

Collision insurance coverage applies if you hit another car and there is damage. It covers damage to your car and to the car you hit. There are limits to the amount of coverage per incident.

Comprehensive insurance coverage applies to any damage that occurs to your car that is not covered by collision coverage.

For example, if your car is damaged because you hit a deer while driving or someone steals your car, then comprehensive insurance would cover any damages. Comprehensive insurance also covers damage to your vehicle from storms or flooding.

Liability insurance covers damage to anything that may result in personal liability, including:

  • Damage to property
  • Damage to another person’s vehicle
  • Personal injuries caused by an accident

More Types of Auto Insurance Coverage


There are so many more coverage options you can add on, depending on your situation and what you need. But we highly recommend considering the following two types of auto insurance.

GAP Coverage

GAP insurance covers that difference between the value of your car and what you owe on a lease or auto loan. If you are leasing your car or have an auto loan, GAP insurance can be essential.

If you are in an accident and the car is declared a total loss, then your insurance will only pay the cash value of your vehicle at the time of the accident.

However, you will still be responsible for the difference between the loan and the value of the car.

GAP insurance will cover this difference, and you will not be left paying for a car which you cannot drive.

Umbrella Coverage


Umbrella insurance policies are sometimes also called personal liability policy. Umbrella coverage can come in handy if you have significant assets and have a bad accident.

A terrible accident can exhaust the limits of your liability insurance coverage. As a result, you will be left being liable for any additional expenses that are not paid by your insurance company.

Generally, umbrella coverage starts at $1 million of coverage.

When you are looking for cheap auto insurance, you can look at several different sources to find comparison rates. When looking at rates, be sure to compare similar levels and types of coverage.

Also consider other services that may be included with an auto policy, such as roadside assistance and travel assistance programs, since this can also add value to the policy.

Choose from all these coverage options and more with our FREE ZIP code search! Enter your ZIP code below and start comparison shopping!


  1. https://www.thegeneral.com/
  2. https://www.safeauto.com/
  3. https://www.esurance.com/
  4. https://www.policygenius.com/blog/insurance-agents-101/
  5. https://insurance.ky.gov/ppc/new_default.aspx
  6. https://wallethub.com/edu/comprehensive-vs-collision/10023/
  7. https://www.iii.org/article/should-i-purchase-umbrella-liability-policy-0

Free Auto Insurance Comparison

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