Car Insurance with the Lowest Rates

Find car insurance with the lowest rates by doing your own research, using an online comparison site, and getting an accurate quote. Compare quotes to find the most competitive car insurance rates.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 27, 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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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.

Here's what you need to know...

  • If you are willing to put in the time, there’s a good chance you’ll be able to find car insurance coverage at a lower rate
  • The easiest way to find better rates is to use a comparison site
  • When searching for rates online, be sure to provide accurate information


There are many reasons to save money, particularly on things you have to pay for on a regular basis, including your car insurance.

Over time, the money you could save each year really adds up.

Whether you want to save money for a family vacation, a new car, your child’s college fund, or another goal, comparing rates with different car insurance companies is a good way to find extra money in your budget.

For most people, the best part is that you will save money without sacrificing service or coverage.

Saving money on something you have to pay for should sound great. But it may also sound complex and time-consuming.

After all, most car insurance companies claim to offer the lowest rates or promise to save you money. Many people are with their current insurer because they originally saved money by switching.

So how do you find out if you are paying too much for your car insurance or if you could be saving more with another car insurance company?

Enter your zip code above to compare quotes from multiple companies and find the best rate today!

Fortunately, consumers have options when finding low rates on car insurance and comparing different companies.

Do Your Own Research

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You could call around to different car insurance companies and request a quote from each one.

Generally, car insurance companies will offer free quotes over the phone to consumers. Or you could fill out quote requests online for each company.

While this method allows you to independently compare rates from as many companies as you like, it can also be very time-consuming.

Comparing rates on your own will require you to provide your information to each company for every quote. You may also feel pressured by each company you call to accept their quote.

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

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Use an Online Comparison Site

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Online comparison sites can help you save time and money, presenting you with numerous quotes for car insurance and only requiring you to provide your information once.

Comparison sites also have the advantage of searching car insurance companies you may not have thought to check with.

Rather than spending a large amount of time getting quotes, you can get right down to business comparing rates.

To make sure you are comparing the rates for similar coverage, online comparison sites generally allow you to specify coverage limits or preferences in your quote.

At a minimum, you will be given the coverage details so you can compare these details with the price.

Use an online comparison site that is reliable. A good comparison site will have positive customer reviews, excellent customer service, offer detailed quote information, be trustworthy, and offer its consumers free online quotes.

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

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Get an Accurate Quote

However you decide to compare car insurance quotes, you will want to make sure the quotes you are getting are accurate.

To get an accurate quote, you will need to provide accurate information when you request your quote.

Be prepared to provide the following information:

  • Your driver’s license information – You will also need this information for any additional driver’s you want on the policy.
  • The VIN number of your vehicle – The VIN number is generally located on the dash of your car or on your vehicle’s registration information.
  • Your driving record – Companies generally consider your driving record going back three to five years. If you are unsure of your driving record, request a copy of it. Contact your local DMV for instructions, as the process varies from state to state. Some states make the information publicly available online.
  • Your credit score– Some car insurance companies factor your credit score into your rate. A credit inquiry for insurance purposes will not negatively impact your credit score.
  • The coverage you want – States have their own minimum coverage requirement, and lenders often have a coverage requirement as well.
  • Any discounts you think you may qualify for – There are all kinds of discounts available. Some of the common ones include multiple vehicle discounts, good student discounts, and organization affiliation discounts.

Will You Really Find a Lower Rate?

Probably! Consumers should compare quotes to find the most competitive car insurance rates.

Comparing car insurance rates at least once a year is the best way to make sure you are paying the lowest rate.

Anytime your situation changes — you get married, you change vehicles, your driving record changes, you change careers, you change additional drivers on the policy, you change the way you use the vehicle, or anything else–you should consider getting another comparison quote.

Enter your zip code below to compare rates from multiple car insurance companies today!

Free Car Insurance Comparison

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

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Average Monthly Car Insurance Rates by State