Cheap Monthly Car Insurance

To find cheap monthly car insurance, shop around for rates and take advantage of discounts. Cheap monthly car insurance rates differ drastically between companies and among drivers.

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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: Jun 25, 2020

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Here's what you need to know...

  • There are several discounts you may qualify for that will lower your monthly insurance premium
  • If your credit score is low, you can expect to pay more for your car insurance coverage
  • High-risk drivers are also charged more for coverage as they pose a risk to the insurance agency


We are all currently looking for ways to cut back, cut down, and save money. One way a lot of Americans are hoping to save is by finding cheap monthly car insurance.

There are many ways to find lower auto insurance rates and discounts once you know how the insurance game works. Take a look at the facts below to make shopping for car insurance easier.

Get free online car insurance quotes from the best companies in your area with just your zip code!

Statistics and Premiums

Family Standing Outside Their House

There are several ways you can save money on your car insurance. The following will give you some ideas on how to do so.

  • Check your credit score – Try to find ways to raise your credit score, such as paying your bills on time, making extra payments per month, and keeping balances low.
  • Slow down when you’re on the road – Speeding tickets, minor accidents and driving errors are costing you not only in tickets but also in your car insurance premiums. High-risk drivers are charged more money in monthly car insurance rates.
  • Insure multiple drivers within the household – Insuring more drivers and more cars means more business for the insurance companies, so they are more likely to cut you a deal.

Free Car Insurance Comparison

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

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Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Finding Cheap Monthly Car Insurance

Average monthly car insurance rates differ drastically between companies and among drivers.

You can save by buying new polices from the same company that is handling your current policy. You can often get home insurance, health insurance, life insurance and sometimes even pet insurance all from one place.

When this happens, you can benefit from a serious discount on your premium.

Discounts are extremely important, and most drivers should be able to take advantage of one or two.

Taking a defensive driving course may also help you get cheaper monthly rates. Many companies are now giving a discount to those who complete a defensive driving or safety driving course.

Always check with your agent or company to find out what discounts they offer for defensive driving courses.

Other discounts to inquire about include:

If you are insuring a young driver, you should ask your insurance company if they offer a good student discount as well.

Other insurance agencies will give you a discount if you install anti-theft devices on your vehicle. Ask your agent what devices can lower your monthly premiums before investing in a particular item.

The type of car you drive and the age of the car will obviously factor into what you are paying. The next time you are shopping for a new car, you may want to give your insurance agent a call and find out which makes and models will really save you money in premiums.

The Importance of Shopping Around

Shopping cart in parking lot

One of the best ways to lower your monthly premium is by shopping around at other insurance companies.

You can reduce your rates by also making sure that you are not over-insured in any areas.

Do be careful not to reduce your coverage down to the bare minimum if you don’t have to. Those amounts are normally not enough to protect you if you are in a serious accident.

There are a number of things you can do to get cheaper monthly car insurance. Asking about discounts, improving your credit score and shopping around are just the beginning.

You can get started by entering your zip code below and comparing car insurance quotes from multiple companies now!

References:

  1. https://www.consumerreports.org/cro/car-insurance/credit-scores-affect-auto-insurance-rates/index.htm
  2. https://www.kbb.com/car-advice/articles/10-ways-to-save-money-on-auto-insurance/
  3. https://www.auto-owners.com/our-products/multiple-policy-discounts#.Vo6OUMArLZs
  4. https://www.nsc.org/learn/Safety-Training/Pages/defensive-driving-driver-safety-training.aspx
  5. https://www.cars.com/go/advice/Story.jsp?section=cd&story=cd_antitheft&subject=cd_theft

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Average Monthly Car Insurance Rates by State