Here’s how to get cheap car insurance in the United States:
1. Shop Around and Compare Quotes
Insurance rates can vary widely between providers in the U.S. Use online comparison tools like The Zebra, NerdWallet, or Compare.com to get multiple quotes. Don’t forget to check both national insurers (like GEICO, Progressive, State Farm) and local or regional companies for the best rates.
2. Choose the Right Coverage for Your State
Each state has its own minimum insurance requirements. Make sure you meet your state’s legal minimums, but don’t pay for unnecessary extras. If you drive an older car, consider dropping comprehensive and collision coverage.
Tip: Check your state’s Department of Insurance website for specific requirements.
3. Raise Your Deductible
A higher deductible (the amount you pay out-of-pocket before insurance kicks in) usually means a lower monthly premium. Just make sure you can afford the deductible if you need to file a claim.
4. Take Advantage of U.S. Discounts
Most American insurers offer a variety of discounts, such as:
Good driver discounts (no accidents or tickets)
Good student discounts (for students with high grades)
Multi-policy discounts (bundle auto and home/renters insurance)
Low-mileage discounts
Military, federal employee, or senior discounts
Always ask your agent which discounts you qualify for.
5. Maintain a Good Credit Score
In most U.S. states, your credit score affects your car insurance premium. Pay bills on time, keep credit card balances low, and monitor your credit report regularly.
6. Drive Safely and Keep a Clean Record
Traffic violations and accidents can raise your rates. Some insurers offer telematics programs (like Progressive Snapshot or Allstate Drivewise) that reward safe driving with lower premiums.
7. Consider Usage-Based or Pay-Per-Mile Insurance
If you drive less than the average American, usage-based insurance (UBI) or pay-per-mile programs can save you money. Companies like Metromile and Allstate Milewise offer these plans.
8. Review and Update Your Policy Annually
Life changes-such as moving to a new state, getting married, or buying a new car-can affect your rates. Review your policy every year and update your information to ensure you’re getting the best deal.