Cheap Car Insurance 2022: Quotes, Discounts

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 in 2022 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.

Metromile, Direct Auto, and Travelers are budget-friendly, charging an average of $63, $64, and $65 per month, respectively. 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.

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.

Cheapest Auto Insurance Quotes for State Minimum Liability

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 insurance 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.

Cheap auto insurance for teens is not impossible, but it’s harder to find. Many companies are hesitant to insure teenage drivers.

However, there are ways to find cheap car insurance quotes for teen drivers. 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.

If you’re a young driver looking for cheap car insurance, it’s important to shop around. While it’s tempting to go with the first company that offers you a quote, compare quotes from multiple companies to make sure you’re getting the best price and find the best car insurance for new drivers under 25.

Consider starting with these carriers who ranked cheapest in our research.

Cheapest Car Insurance Quotes for New Drivers

When you’re just getting your driver’s license, you might not know which auto insurance company is right for you. To help you find an affordable policy, we’ve created a list of companies that offer great coverage for new drivers at low costs.

Here are our picks for cheapest car insurance companies for new drivers.

Cheapest Car Insurance for Quotes College Students

If you’re a college student, juggling tuition and living expenses isn’t always easy. You might need to find ways to cut back on expenses—including your auto insurance premium. Here are the cheapest car insurance quotes for college students. 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.

If you want cheap rates for low-mileage car insurance, here are a few options:

• USAA
• GEICO
• State Farm
• Travelers

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.

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 car insurance companies for drivers with average to below-average credit scores.

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 after a suspended license is to compare quotes from multiple companies. Here are a few to consider.

Because the type of car you have impacts the cost of your 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. One way to save money on auto insurance is to 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, all without dealing with an insurance agent.

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.