Cheap Car Insurance Quotes Online: It’s Fast & Easy

Affordable car insurance coverage has never been this easy to find. We can help you compare rates from reliable companies and lock-in the cheapest car insurance policy. Best of all? It’s 100% free!

How to find the Cheapest Car Insurance Quotes Online

Learn how car insurance companies determine your premium to find who has the cheapest car insurance rates.

  • Your Address icon

    Your Address

    Where you live may affect your car insurance price. If you live in a neighborhood that the insurance company thinks is safe or one where there are fewer accidents, you will have cheaper auto insurance.

  • Your Age icon

    Your Age

    Teen drivers are typically more expensive to insure. Being new to the road means teens aged 16-19 are more likely than any other age group to be involved in a fatal accident. But as you become more experienced, more affordable auto insurance will be easier to find.

  • Your Car icon

    Your Car

    You may also find certain vehicle makes and models to be more expensive to insure for reasons like the cost of repairs or its NHTSA safety rating. Before you buy a car, you should compare auto insurance rates to see how the car will affect your premium.

  • Your Career icon

    Your Career

    What you do for a living also might affect your car insurance price. If your job causes you to spend a lot of time driving or driving late at night, that might be a factor in your premium.

Cheapest Car Insurance Companies in 2021

We work with the most reliable auto insurance companies in America to get you the lowest insurance prices available.

  • Travelers Insurance
  • Nationwide
  • MetLife Auto & Home®
  • 21st Century Insurance
  • USAA
  • Liberty Mutual Insurance
  • The General® Auto Insurance
  • Amica Mutual Insurance
  • Elephant Auto Insurance
  • Mercury Insurance
  • Esurance Insurance
  • Clearcover Insurance
  • MAPFRE Insurance
  • Kemper Auto Insurance
  • GAINSCO Auto Insurance
  • Safeco Insurance
  • SafeAuto Insurance
  • Dairyland Auto Insurance
View All Companies

Other Cheap Car Insurance Factors

Insurance History

As you maintain an insurance policy for longer, your premium goes down. Like your credit score, your insurance history can indicate how safe and financially stable you are to insurance providers.

Time isn’t the only factor, though. Car insurance companies also like to see policyholders who cover their vehicles beyond state minimum coverage for bodily injury and property damage limits. Opting for higher coverage can get you cheaper rates in the long run, especially if you’re newly insured.

Annual Mileage

Your annual mileage can influence how much you pay for insurance. More time on the road means higher risk, which generally means higher premiums.

According to the U.S. Department of Transportation, most people drive roughly 13,500 miles per year. If that seems high to you, you might qualify for a lower rate (though mileage discounts vary from state to state).

Driving Violations

Almost all driving violations can have a negative impact on your insurance rates. Of course, car insurance isn’t the only reason to avoid trouble on the road, but certain offenses have a huge influence over what you pay:

  • DUI, DWI, or OWI
  • Driving with a suspended license
  • Hit-and-run citations
  • Speeding tickets
  • Reckless driving tickets

If you want the cheapest car insurance rate possible, drive safe and avoid run-ins with the law.

Getting Started: Find the Cheapest Car Insurance Rates Today

If you’re trying to find the lowest rate possible on car insurance, you’ve come to the right place. makes it easy to shop rates online. Here’s how to get started:

  1. Gather your personal and vehicle information, including your date of birth, driver’s license number, address, driving history, insurance history, and your car’s make, model, year, and VIN
  2. Estimate your vehicle’s value. Edmunds and Kelley Blue Book have online tools that can help. As you shop for insurance, you can compare costs of comprehensive coverage and liability-only coverage to ensure your policy (or potential savings) can cover a replacement if your car is totaled.
  3. Compare quotes from car insurance companies to get the cheapest rate available.

Find Cheap Car Insurance by Comparing Quotes Online

Avoid paying too much for auto insurance.

Some insurance companies use a tactic called price optimization, which means they nudge up current customer’s price a little each year. If you haven’t compared car insurance quotes recently, this might be happening to you and you haven’t even noticed!

Plus, there are hundreds of car insurance companies. What are the chances that the one company you selected is the cheapest car insurance for you? Unless you are comparing prices, you won’t know how much you could be saving.

In one comparison, a woman in Texas got prices that ranged from $77 a month to $300 by using That’s over $2,600 in savings every year from taking just a few minutes to compare companies and find the best cheap car insurance rates.

Want Cheaper Car Insurance Rates in 2021?

While there are some factors you can’t control when it comes to your insurance premium, there are a few ways you can help yourself find cheap car insurance coverage.


Raise Your Deductible.

Your deductible is how much you pay before your auto insurance company picks up the tab. If you can afford a larger out-of-pocket payment when you file a claim, consider raising your deductible. A higher deductible typically makes your car insurance cheaper.


Look For Discounts.

From good student discounts to association discounts, there are plenty of discounts at your disposal. However, not every insurance company has the same discounts available. The best way to know if you are getting all the discounts you should is to ask! Common car insurance discounts include:

  • Good driver discounts
  • Multi-policy (aka bundling) discounts
  • Student discounts
  • Military discounts
  • Green vehicle discounts (for electric, hybrid, or alternative-fuel vehicles)


Improve Your Credit Score.

Insurance companies see your credit score as a measure of your risk. If you have a higher credit score, you are less likely to file a claim. So, if you want cheaper car insurance, work on getting your credit score higher by paying your bills on time.


Improve Your Driving History.

There are plenty of rating variables that you can’t control, like age and gender. However, you can control your driving. If you have tickets and driving infractions, they will affect your auto insurance price. To get cheap car insurance, practice safe driving habits, like driving the speed limit and avoiding distracted driving.


Sign-up For an Incentive Program.

Many insurance companies offer a discount for enrolling in their telematics program, which means they’ll monitor your driving through either a phone app or small, installable tool. Some companies will offer a discount just for allowing them to track your driving, while others will monitor while you drive and offer price reductions based on your skills.


Pay Your Policy in Full.

Car insurance providers often discount policies that are paid in full instead of in monthly or semi-annual installments. Paying your yearly premium upfront can feel daunting, but it’s a smart financial move that can lower your insurance costs overall.