Find the Absolute Cheapest Car Insurance Online

The only way to find the absolute cheapest car insurance online is to shop around and compare multiple car insurance quotes from different companies. A good driving record can get you cheap car insurance rates when compared to high-risk drivers, but where you live will affect what you pay for coverage. Enter your ZIP code below to get your free quote.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

UPDATED: Apr 3, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right 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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Apr 3, 2022Fact Checked

Here's what you need to know...

  • Comparing car insurance rate quotes may help you discover significant savings on the cost of your insurance premium today
  • If you take time today to shop for the cheapest online car insurance possible, you can enjoy regular savings in your budget well into the future
  • Understanding the factors that impact car insurance rates will make finding a policy much easier

Whether you pay your premium monthly as so many people do or with semi-annual or annual payments, your premium is a regular expense in your budget.

So what steps can you take to find the absolute cheapest online car insurance?

Let us help you find cheap car insurance! Enter your ZIP code above in our comparison tool for FREE car insurance quotes.

Learn How Insurance is Priced


Before you spend too much time shopping for new insurance rate quotes, you should first understand how insurance is priced.

When you know how insurance rates are calculated, you can understand more fully what changes you may make to your policy to find savings in your premium.

Insurance rates are calculated by your choice of coverage and deductibles.

These are factors that you have significant control over, and adjusting them may yield savings. The rates also are dependent on other factors.

Some factors you may have some control over, and other factors you may have little to no control over. These factors include:

  • The car you drive
  • Age
  • Gender
  • Marital status
  • Where you Live
  • Driving history

You can move or change cars to find savings in the cost of your insurance, but it may be more reasonable to adjust your coverage and deductible levels for immediate savings on the cost of your coverage.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

secured lock Secured with SHA-256 Encryption

The Cheapest Policy


The absolute cheapest policy you can buy is one that provides coverage that only meets minimum insurance requirements for your state. Most states require drivers to maintain a minimum level of liability insurance.

This type of insurance offers minimal financial protection to you after an accident, and it does not pay any costs to repair your own vehicle. It only pays some of the costs for the other driver involved in an accident.

The absolute cheapest policy will also have the highest deductible policy.

The deductible is the out-of-pocket cost you pay each time you file a claim.

If you are searching for the cheapest policy available, you should get quotes for a minimal liability coverage with a maximum deductible.

However, you should be aware that this type of policy may be more costly to you if you have an accident, as it may not fully cover the costs of your accident.

Online Shopping Options

Once you understand the various factors that are analyzed to determine auto insurance rates, you can start shopping for the lowest auto insurance rates.

There are several different ways you can shop for rates, and some options are faster and easier for you to pursue than others.

Some of the different ways you can shop online for rate quotes include:

  • Using a rate comparison site to get rate estimates
  • Using a rate quote form on a car insurance company’s website
  • Using an online quote form on an auto broker’s website

The Benefit of Getting Rate Estimates First


While the services of an auto broker are free to use, many drivers enjoy having flexibility and control over their rate quotes.

Because of this, it is common for drivers to make an effort to shop for their own quotes rather than to use a broker to shop for quotes.

When shopping for your own car insurance rate quotes, there are some benefits associated with getting rate estimates first before requesting full quotes. These benefits include:

  • Fast and easy to use, often only requiring you to input your zip code to generate quote results
  • Numerous rate estimates can be generated with one inquiry
  • Estimates are generally provided in an easy-to-compare format, making it easy to pick out the lowest rate estimates
  • Free to use

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

secured lock Secured with SHA-256 Encryption

Using Your Rate Estimates

What is the cheapest online insurance? A rate comparison website provides you with a fast, easy, and free way to compare rate quotes from many different car insurance companies.

This includes larger and well-known insurers as well as lesser-known but entirely reputable insurance companies. Once you have a few rate estimates in hand, you will next get a full rate quote.

You may choose to get a full quote from all of the insurance companies you have received an estimate for.

However, most drivers will decide to get full quotes from only the top company or top few companies that offer the most competitive estimates.

If You Aren’t Happy With Your Rates


Whether you take the time to shop for one full rate quote or several, you will want to analyze that rate quote against the current price you are paying for your auto insurance policy.

Before you make any changes with regards to your insurance carrier, you should ensure that the rate quotes you are reviewing feature equivalent coverage levels and equivalent deductibles.

If the deductibles and coverage do not match, contact the insurance companies for revised quotes. You can also contact the company or companies you are requesting quotes from as well as your current insurance company for adjusted quotes.

Requesting adjusted quotes based on different deductible amounts and different levels of coverage may yield greater opportunities to save money on your coverage.

As you can see, there are several different ways you can reduce the cost of your auto insurance policy. Put these tips into action today to find the cheapest car insurance rates available.

Who has the cheapest car insurance? You can compare car insurance quotes now for FREE when you enter your ZIP code in our comparison tool below.

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.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

Full Bio →

Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

secured lock Secured with SHA-256 Encryption