Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

Full Bio →

Written by

Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

Full Bio →

Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Nov 3, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right car insurance 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 car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page 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.

Key takeaways...

  • Most state minimum requirements are well below what any reasonable driver should have
  • A car insurance search based solely on premiums
  • The best way to find the cheapest car insurance company for your particular needs is to compare auto insurance quotes from several providers

A common question asked between car owners is “What is the cheapest auto insurance company?”

It’s a very fair question as everyone wants to find the cheapest car insurance rates and keep vehicle expenses to a minimum however the answer is not so clear.

The reality is that no car insurance company has ever won the title of “the cheapest car insurance company” since no single auto insurance policy fits all.

Every driver demands a unique risk profile so its impossible to offer a blanket rate for everyone.

The best way to find the cheapest car insurance company for your particular needs is to compare auto insurance quotes from several providers.

Enter your zip code above to get FREE car insurance quotes today!

Table of Contents

Where can I start to look for the cheapest car insurance rates?

There are a number of quick ways to start your search for cheap car insurance.

You can directly visit the websites of major brands or start with an auto insurance quote comparison engine like ours which can provide a personalized list of car insurance companies who offer policy coverage in your zip code.

A car insurance search based solely on premiums will most likely not provide the full coverage you need.

Compare Car Insurance Companies

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

What is the cheapest car insurance coverage?

States do have minimum car insurance requirements so if you secure this minimum coverage than most likely you will have some of the cheapest car insurance premiums around.

Most state minimum requirements are well below what any reasonable driver should have.

Many car insurance discounts are also available so if you want to find the best car insurance rates you need to learn about the excellent car insurance discounts in the marketplace.

Enter your zip code below to start comparing rates today.

The reality is no car insurance company has ever won the title of “the cheapest car insurance company” since no single auto insurance policy fits all.  Every driver demands a unique risk profile so its impossible to advertise or have a blanket rate for everyone. The best way to find the cheapest car insurance company for your particular needs is to compare auto insurance quotes from several providers.
Of course, the question “Who is the cheapest car insurance company” will always be asked but if anybody ever were to claim that title it probably would not bode well long term for the industry as a whole. Cheap is not necessarily good and having the right car insurance coverage is critical to protecting your family.
Every driver is assessed different by every company so while its quite possible your friend Harry is paying only $200 a month with State Farm this does not mean you will pay less since you have one less ticket than he does.
Car insurance companies weight each applicants criteria using a risk model and for many reasons (some not so clear) your rates could be 2 or 3 times what Harry is paying. The key to finding the cheapest car insurance company for your profile is to understand car insurance and the numerous discounts available.
Personalized items which car insurance companies measure to calculate your premiums  include your driving record, your age, gender, type of vehicle, estimated annual mileage, prior claims history, your credit score and more. In fact you are being judged more from a car insurance company than on a first date – with the added bonus of getting a bill every month should both of you agree on a relationship.
Where can I start to look for the Cheapest Car Insurance Rates?
There are a number of quick ways to locate car insurance companies. First, you can directly visit websites of some of the major brand you already know or start with a auto insurance quote comparison engine like ours which an provide you with a long list of car insurance companies who offer policy coverage in your zip code. Your search should always be for the most reliable and affordable policy – a search based solely on premiums will most likely not provide the fill coverage you need.
What is the cheapest car insurance coverage?
States do have minimum car insurance requirements if you just secure this minimum coverage than most likely you will have some of the cheapest car insurance premiums – however state minimum requirements are well below what any reasonable driver should have in most states.
Car Insurance Discounts
Many car insurance discounts are available so if you really want to find the best car insurance rates you need to learn about the popular car insurance discounts in the marketplace.
How to Get Started?
This is much easier. Enter your ZIP CODE anywhere you see a box within this site and we will connect you with local car insurance companies pretty quick.

References:

  1. https://www.iii.org/article/what-covered-basic-auto-insurance-policy
  2. https://www.directgeneral.com/learning-center/explaining-auto-insurance/high-risk-auto-insurance
  3. https://www.geico.com/