Cheap Car Insurance for August 2022

Locating the right auto insurance policy can be a daunting task, especially when considering how many insurance companies are out there. No one wants to be stuck wasting hours sifting through insurance plans and rates that won’t work for them. Fortunately, we’re here to help. This guide for cheap car insurance can help you find an affordable policy, no matter your situation.

Need to insure a teen driver? Have less-than-perfect credit? Had a suspended license? We’ve got the best car insurance companies ranked by price for those situations and more. If you’re ready to find an affordable auto insurance plan that meets your needs, compare cheap auto insurance quotes with Insurify. Get a quick quote by using our free comparison tool.

One of your top priorities when searching for car insurance is to find a reasonable rate. Our research found USH&C to be the cheapest auto insurance company, coming in at just $44 per month on average.

There are many insurance companies offering cheap coverage under $70 per month. However, not all car insurance coverage is made equal; be sure to consider a company’s financial standing and customer service reputation before signing on the dotted line; Travelers, Mile Auto, and Clearcover are our best rated, most affordable insurance companies.

Insurify Composite Score

The Insurify Composite Score (ICS) is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

The first step to finding the cheapest car insurance is to compare quotes from several carriers. That way, you’ll get a chance to shop around and see what coverage options are available for you.

Your best bet is to use a car insurance comparison website like what we have here at Insurify. The site will allow you to choose from a range of different insurers and compare quotes from each one—giving you a clearer idea of which insurers offer coverage at a price that suits your budget.

When shopping, you’ll want to look at different levels of coverage and deductibles, as well as how each policy handles claims and customer service. Understanding these details can help you find an insurance company that offers excellent value without breaking your budget.

Though many factors determine how much you’ll pay, companies often base premiums on where a driver lives. Illinois, North Carolina, and Massachusetts have some of the cheapest car insurance premiums on average. Keep in mind that insurance prices can change dramatically depending on your age and coverage.

If you live in an area with expensive coverage, comparing car insurance quotes is even more important to ensure you’re getting a great deal. It’s important to remember that with car insurance, you get what you pay for, so be sure that you’ve secured sufficient coverage before choosing the cheapest policy you find.

Cheapest Auto Insurance Quotes for State Minimum Liability

Liability insurance is the cheapest type of car insurance, and unlike most other types of insurance, car insurance companies in some states are mandated to provide a minimum level of coverage, such as bodily injury liability and property damage liability.

In most areas, if you can’t show proof that you have purchased the state’s minimum coverage limits, you won’t be allowed to register your vehicle. Liability coverage provides financial protection to another person when they are injured in an auto accident that you’re at fault for. Here’s the cheapest carrier for state minimum liability coverage in each state.

Cheapest Auto Insurance Quotes for Full-Coverage Policies

One of the biggest decisions about auto insurance is how much coverage you’ll need. While most states require a minimum coverage amount, you can buy additional protection. Full-coverage policies include collision coverage and comprehensive coverage, as well as other perks. Here are the cheapest rates for full-coverage insurance in every state.

Most teen drivers don’t have good credit to fall back on, haven’t built any safe driving habits, don’t have a coherent driving history, and are more likely to get in a fatal crash, and their auto insurance premiums suffer accordingly. However, there are ways to find cheap car insurance for teens. Here are the top carriers to consider.

Cheapest Car Insurance Quotes for Young Drivers

Auto insurance for young drivers—generally, drivers under the age of 25—is typically more expensive than car insurance for drivers who are middle-aged or older. Consider starting with these carriers who ranked cheapest in our research.

Cheapest Car Insurance for Students

If you’re a high school, college student, international student, recent graduate, or grad student, juggling living expenses isn’t always easy. You might need to find ways to cut back on expenses—including your auto insurance premium.

You may even qualify for a good student discount if you keep your grades up. Plus, you can combine policies with your renters insurance to save even more on your premiums.

When trying to save money on your car insurance policy, ask your insurer about policy discounts. Many companies will offer a good driver discount if you have a clean driving record or complete a special driving course.

But don’t assume you’ll get the lowest rate from the first company you look at. Shopping around to compare coverages and insurance costs is important, even for good drivers. When comparing options, consider these top cheapest insurers that may reward a clean driving history.

Are you a low-mileage driver? According to the U.S. Federal Highway Administration, the average driver travels 13,476 miles per year. Some insurers have special rates for drivers that don’t add a lot of mileage to their odometers.

Before you swap providers, check to see if your current insurer offers a car insurance discount for low mileage. If so, you may save money by sticking with them. If you want cheap rates for low mileage car insurance, here are a few options:

You might be surprised to learn that your credit score can impact your auto insurance rate. Insurance providers can use it as a factor when giving you a car insurance quote.

If you have bad credit, you may find that affordable car insurance rates are harder to come by. It doesn’t have to be that way, though. Getting cheap car insurance for drivers without a good credit history is possible. Check out these affordable quotes for drivers with bad credit.

Having a DUI or at-fault accident on your record can make it much more difficult to find cheap car insurance. In most cases, you'll need high-risk insurance and will have to pay higher rates for your auto insurance. However, there are ways to find cheap car insurance even if you have a DUI or at-fault accident on your record.

Cheap Car Insurance Quotes after a DUI

Cheap Car Insurance Quotes After an Accident

Car insurance rates are based on a number of factors, but car insurance companies generally don’t offer policies to someone with a suspended license. If your license is suspended, you may be able to get a restricted license from your state’s department of motor vehicles. This may allow you to drive again under certain conditions.

The best way to get cheap car insurance rates with a suspended license or if you have driver’s license points is to compare quotes from multiple companies. Here are a few to consider.

Because the type of car you drive impacts the cost of insurance, you may want to get insurance quotes before you start shopping for your next car.

Pontiac, Suzuki, and Mercury cars ranked in the top three cheapest cars to insure, with average rates as low as $189 per month. Of course, how much you pay depends on several factors. You may even find cheaper car insurance when comparing policies from multiple providers.

Getting the cheapest auto insurance can save you a significant amount of cash over the years. Some of the best ways to lower your insurance costs are:

1. Take advantage of discounts: discounts such as low-mileage discounts, good student discounts, or military discounts can save you a pretty penny on car insurance.
2. Maintain a clean driving record: drivers without violations in their history tend to see lower auto insurance rates.
3. Opt for higher deductibles: by choosing a higher deductible, drivers can lower their monthly car insurance premiums significantly. However, never raise your deductible beyond what you can reasonably afford.
4. Bundle your home and auto insurance: insurers will often give you a discounted rate if you buy multiple policies from them.

And, of course, the best way to save money on auto insurance is to shop around. You could call all of your potential providers and ask for a quote. But that could take hours. If you’re like most people, you don’t want to spend an afternoon making phone calls back and forth.

Luckily, there’s an easier way: fill out the simple online quote-comparison tool from Insurify to quickly see how much coverage would cost from several companies. You can compare and switch in minutes.

When you use Insurify to get a quote, you can narrow down options by price and coverage level to get the best car insurance for you and your family. Free car insurance quotes are just a few clicks away.