Finding Cheap Car Insurance

To get cheap car insurance you must first decide how much coverage you need. Then compare rates from multiple companies to get the best deductible for cheap car insurance.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 22, 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 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...

  • It is highly risky to drive without car insurance
  • Your next task is to determine how much auto insurance you want to buy
  • You will also need to determine what level you want your deductible to be
  • Shop around with rate comparison sites and look for special savings options
  • Liability coverage is the minimum requirement in most states
  • Average rates for liability coverage are $48/mo

It is highly risky to drive without car insurance. There is a law in most states that requires drivers to maintain a minimum liability policy.

If you get caught driving without the required coverage, you may face a monetary fine, the suspension of your license, and sometimes even jail time.

If you get in an accident without car insurance, you may have to pay the other driver for damages and pay for your damages.

It can certainly be costly to be an uninsured driver today. However, while you certainly need to buy auto coverage, you do not want to pay more money for your coverage than you need to. So how can you find car insurance for cheap?

Enter your ZIP code above and we can help you find car insurance for cheap by sending your FREE car insurance quotes that you can compare.

Determine Your Coverage Requirements

After you make the decision to buy auto insurance, your next task is to determine how much auto insurance you want to buy. You can easily search for your own state’s minimum required coverage amount to determine the minimum coverage you want to purchase.

The cheapest coverage is a liability policy that meets state minimum requirements without providing additional coverage.

However, keep in mind that minimum liability coverage will not pay for any damages you incur during an accident, and it may not fully pay for the damages to another driver.

Drivers who want to reduce their risk of having to pay the additional money when filing a claim may consider shopping for a cheap full coverage policy.

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Determine Your Deductible

You will also need to determine what level you want your deductible to be. Each time you file a claim, your insurance company will require you to pay your deductible in full.

So it is important that your deductible is affordable to you. It is important to note that the deductible you choose directly affects your premium cost. A lower deductible results in a higher premium.

While it may make sense to opt for a lower deductible to minimize your out of pocket costs during an accident, keep in mind that your premium is regularly paid while your deductible is paid very seldom.

Because of this, you may save money over the long run by opting for the highest deductible you can afford to pay.

Get Ready to Shop for Rates

Shopping cart in parking lot

Once you have determined your coverage and deductible levels, you are almost ready to shop for
rates. There are several different ways you can shop for rates. For example, you may:

  • Use an Auto Insurance Broker
  • Visit an Insurance Company’s Website for an Online Quote
  • Call an Insurance Company for a Quote

Regardless of how you shop, however, the insurance companies will all want the same basic information from you. This information includes:

  • Driving History
  • Personal Information (where you live and work, if you are married, and your age and gender)
  • Desired Coverage and Deductible
  • Information about your car (including your Vehicle Identification Number, the make, the model, the year built, the engine type and safety features in the car)

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Use a Rate Comparison Website Before You Shop

Because auto insurance companies want to know so much information about you, your car, and your driving history before they can provide you with a quote, few drivers have the time and energy necessary to get numerous insurance quotes.

You can use a rate comparison website to more quickly determine which car insurance company you should shop for rate quotes with.

When you use a rate comparison site, you typically only have to enter your zip code into the rate request form. Some comparison sites do require you to entire a few more details. In exchange for this information, you can receive rate estimates from numerous insurers.

This information can be used to focus your shopping efforts on companies that may provide you with the lowest rates.

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Look for Special Savings

AdobeStock_17688255-1600x1600

After using the rate comparison websites, you can easily see which companies are worth your time and attention when shopping for rates. You can contact the top companies directly for a quote.

You do want to take one additional step after getting the quotes in order to save money. Take time to learn about discounts and special savings you may qualify for from these insurance companies.

Keep in mind that most insurance companies offer their types of discounts. For instance, one insurance company allows drivers to qualify for a safe driver discount after taking a driver’s safety course online.

Another company requires you to drive with a driver monitoring device in your car for several months before offering you their version of a safe driver discount.

There are multiple types of discounts in addition to the safe driver discount, and each company offers their own unique form of those discounts.

By spending time researching these options, you may discover that one company offers you cheaper coverage than another.

While it may sound time-consuming to find affordable car coverage, the process is actually rather easy. Using a rate comparison website allows you to narrow down the number of companies you are shopping with, so you may only need to obtain one to three full quotes to find cheap coverage.

These steps can help you to find affordable coverage with ease.

Enter your ZIP code below to compare FREE car insurance quotes!

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Average Monthly Car Insurance Rates by State