Cheap Auto Insurance

Save on your cheap auto insurance quote by choosing the right make and model. This can have a huge impact on your car insurance quote.

Some cars are more expensive to cover than others, so talk to your insurance agent before you make a final purchase on your next vehicle — make sure to get the best auto insurance rates possible.

Your new insurance premium may surprise you. Learn which cars are the most expensive to insure, and what you can do about it.

Our Top 10 Company Picks: Cheapest Auto Insurance

What is online car insurance? Is it different than general insurance? When you’re looking to buy cheap auto insurance online, find car insurance quotes by using our helpful tool to find cheap auto insurance in Sacramento, California, or anywhere else.

#1 – Geico: Top Overall Pick

Pros

• Cheap Rates: Geico offers the lowest monthly rates starting at $37 for minimum coverage, making it ideal for cost-conscious drivers.
• High Financial Strength: With an A++ rating from A.M. Best, Geico offers excellent financial stability.
• Efficient Online Experience: Geico’s user-friendly website and mobile app simplify managing your insurance policy.

Cons

• Limited Coverage Options: Geico may not provide as many specialized coverage options compared to some competitors.
• Less Personalized Service: While affordable, Geico’s customer service can sometimes feel less personalized due to its primarily digital platform.

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#2 – USAA: Cheapest Auto Insurance

Pros

• Bundling Policies: USAA provides excellent discounts for bundling auto insurance with other types of insurance, perfect for military families.
• Cheap Rates: USAA offers competitive rates starting at $41 for minimum coverage, ideal for military members seeking affordable auto insurance.
• Outstanding Customer Service: Known for providing top-notch service, especially for military families.

Cons

• Eligibility Restrictions: Only available to military members and their families, limiting access to a broad audience.
• Higher Premiums for Non-Military Members: While competitive for military families, premiums can be higher for non-military drivers seeking similar coverage.

#3 – Travelers: Cheapest Auto Insurance

Pros

• Military Members: Travelers offers specific discounts and benefits for military personnel, making it an excellent choice for those in service.
• Affordable Rates: Starting at $42 per month for minimum coverage, Travelers is a budget-friendly option.
• Strong Financial Stability: Travelers has an A++ rating from A.M. Best, ensuring solid financial backing.

Cons

• Limited State Availability: Travelers may not be available in every state, which can limit its accessibility.
• Customer Service: Travelers has received mixed reviews regarding their customer service responsiveness.

#4 – Nationwide: Cheapest Auto Insurance

Pros

• Vanishing Deductible: Nationwide offers a unique vanishing deductible program, lowering your deductible for each year of safe driving.
• Affordable Monthly Rates: Nationwide’s minimum coverage plans start at $43 per month, which is reasonable for a broad range of drivers.
• Reputable Brand: With an A+ rating from A.M. Best, Nationwide is a trusted insurance provider.

Cons

• Claims Process: Some customers have found Nationwide’s claims process to be less efficient compared to competitors.
• Limited Discounts: While they offer some unique benefits like the vanishing deductible, Nationwide lacks a variety of additional discounts.

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#5 – American Family: Cheapest Auto Insurance

Pros

• Loyalty Rewards: American Family offers loyalty rewards, giving long-term policyholders savings and additional perks.
• Affordable Coverage: Starting at $46 per month for minimum coverage, American Family offers competitive pricing.
• Wide Range of Coverage Options: American Family provides a variety of coverage options for different types of drivers.

Cons

• Average Customer Service: Some users report that American Family’s customer service can be inconsistent.
• Higher Premiums for Young Drivers: Young or inexperienced drivers may face higher premiums compared to other companies.

#6 – Allstate: Cheapest Auto Insurance

Pros

• Infrequent Drivers: Allstate provides special benefits for infrequent drivers, such as lower premiums for those who drive less frequently.
• Low Monthly Rates: With minimum coverage starting at $50, Allstate offers competitive pricing for budget-conscious drivers.
• Great Discounts: Allstate offers a variety of discounts, including multi-policy and safe-driving discounts.

Cons

• Premiums for High-Risk Drivers: High-risk drivers may face higher premiums at Allstate.
• Customer Service Issues: Allstate’s customer service ratings are mixed, with some customers reporting slow response times.

#7 – State Farm: Cheapest Auto Insurance

Pros

• Customer Service: State Farm is well-known for its excellent customer service, providing personalized assistance to policyholders.
• Affordable Monthly Rates: Starting at $56 per month for minimum coverage, State Farm’s rates are affordable for a wide range of drivers.
• Comprehensive Coverage Options: State Farm provides a broad array of coverage options, including for specialized vehicles.

Cons

• B Rating from A.M. Best: While solid, State Farm’s B rating is lower than some of its competitors, such as Geico and USAA.
• Limited Online Tools: Some users find that State Farm’s online tools could be more intuitive and user-friendly.

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#8 – Progressive: Cheapest Auto Insurance

Pros

• Competitive Rates: Starting at $58 per month for minimum coverage, Progressive offers competitive rates that appeal to budget-conscious drivers.
• Variety of Coverage Options: Progressive offers a wide variety of coverage choices to meet different needs.
• Snapshot Program: The Snapshot program helps drivers save based on their driving habits, offering tailored discounts.

Cons

• Premiums for High-Risk Drivers: High-risk drivers may experience significantly higher premiums.
• Claims Process Delays: Some customers report that Progressive can be slow in processing claims.

#9 – Farmers: Cheapest Auto Insurance

Pros

• Safe-Driving Discounts: Farmers offers discounts for safe driving, which can significantly lower premiums for cautious drivers.
• Affordable Rates: Starting at $61 per month for minimum coverage, Farmers offers a competitive rate structure.
• Strong Customer Support: Farmers is known for its attentive and responsive customer service.

Cons

• Premiums Can Be Higher for Young Drivers: Farmers may charge higher premiums for young or inexperienced drivers compared to other insurers.
• Limited Discounts: While Farmers provides safe-driving discounts, it may not offer as many other discount opportunities as other companies.

#10 – Liberty Mutual: Cheapest Auto Insurance

Pros

• Add-on Coverages: Liberty Mutual offers a variety of add-on coverages, allowing policyholders to tailor their insurance to their needs.
• Reasonable Rates: Minimum coverage plans start at $64 per month, which is competitive for a broad range of drivers.
• Strong Financial Rating: Liberty Mutual holds an A rating from A.M. Best, ensuring reliable financial backing.

Cons

• Higher Premiums for Younger Drivers: Young drivers may experience higher premiums with Liberty Mutual, which could make it a less affordable option.
• Customer Service Feedback: Customer service ratings for Liberty Mutual are mixed, with some customers reporting delays or difficulty reaching representatives.

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Find Lowest Quotes by Make & Model

Some makes/models are obviously more expensive to insure, while the high price of others might be unexpected. Insurance costs may vary from company to company, but the risk formula that computes your monthly premium isn’t as flexible.

The elements calculated include your driving record, credit score, ZIP code, age, gender, and especially the make and model of your vehicle.

According to statistical data, your likelihood of filing a claim can be accurately predicted based on the make/model of your car. Sometimes poor-quality cars can sustain more damage in the event of an accident, making them more expensive to repair; other times, certain makes/models will attract a riskier type of driver.

One example of this is the sports car: young, thrill-seeking drivers tend to buy these vehicles. Because these drivers take greater risks behind the wheel, they also cause more auto accidents.

Keep reading to compare auto insurance prices between different types of cars.

Surprisingly, SUVs are considered less risky to insure because they are so large and visible. Also, because many of them are “built like a tank,” they sustain less damage even in serious wrecks.

They are quite top-heavy, though, which means that what would be a minor accident in a sensibly-sized car is more likely to turn into a worst-case scenario with an SUV.

Unsurprisingly, minivans tend to be very economical when it comes to insurance rates. These vehicles are usually owned by cautious parents with children in tow and thus are driven more defensively and safely.

How to Find Cheaper Auto Insurance & Lower Your Premium

Lowering your premium can be challenging. Sometimes, even the tiniest little detail, like a slightly older model or a luxury accessory, can drastically change the cost of your insurance.

Take the convertible, for example; its soft-top will cost you more on insurance due to the sporty factor, and because of the car’s overall weaker structural integrity.

Also, keep in mind that a high sticker price usually means a high insurance premium. Fixing a dented bumper on a Jaguar will cost much more than the same type of bodywork on a Hyundai, for example.

Remember, each vehicle has more than one element to evaluate: While a Civic might be cheap to purchase, its high rate of theft will make it more expensive to insure than a comparable model with a lower profile.

When considering which factors will lower your premium more dramatically than others, remember that the largest part of car insurance is liability.

Read more: Find the Cheapest Auto Insurance

Check out the table below for the average annual liability rates in your state.
U.S. Average Annual Liability Auto Insurance Rates by State

After that is comprehensive and collision auto insurance coverage.

This video from Erie Insurance explains the difference between collision and comprehensive coverage.

Coming in last is medical payments coverage.

Take a look at this chart to see how comprehensive auto insurance rates compare with liability rates in a sampling of states across the country. This will give you an idea of how your rates stack up with the rest of the U.S.

In the end, focus on safety above all else. A safe vehicle will protect you and your passengers from injury, cost less to repair/replace, and give you the cheapest auto insurance premiums in the long run.

Tips for How to Find Cheap Auto Insurance Quotes Online

Is your car on the list of most stolen cars in America? If it is, you may be paying higher premiums than drivers of less frequently stolen vehicles. Any car can be stolen, but some are more vulnerable than others.

According to statistical data, car thieves usually target specific vehicles for specific reasons. These trends are reflected in low-cost automobile insurance premiums. But don’t despair: a good anti-theft device will help lower your premium and protect your investment.

The National Insurance Crime Bureau reports that the following cars have the highest risk of theft:

• Honda (HMC) Accord
• Honda Civic
• Ford F-150 (Full Size)

Shopping around is the best way to find an auto insurance quote that fits your needs and budget. That’s where we come in.

Use our FREE tool below to find cheap auto insurance quotes near you. Just enter your ZIP code to get started.

Frequently Asked Questions: Cheap Auto Insurance

Hopefully, we’ve covered everything about cheap car insurance you wanted to know, but if you still have some questions, take a look at some commonly asked ones below.

#1 – Who has the cheapest car insurance?

As we’ve mentioned in the article above, auto insurance rates can be based on many things, including age, gender, and credit score. Additionally, insurance rates often differ from state-to-state, so you may be better off narrowing down your question, i.e., “What is the cheapest auto insurance in Texas?”

Learn about insurance in your state by visiting the National Association of Insurance Commissioners.

The best way to find great insurance is to determine your exact needs and wants. Some companies specialize in finding minimum insurance policies, including Good2Go Car Insurance, but it’s usually better to research for yourself.

#2 – Can you get car insurance and pay later?

There are some insurance companies out there that offer no downpayment insurance, though they are rare. You may have even heard about super-low rates, including 99 cent car insurance, but it’s important you heavily research those offers to make sure they’re legitimate.

Read more:

• No Down Payment Auto Insurance
• Cheap Auto Insurance Companies