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Cheap Car Insurance Quotes (July 2025)

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Key Takeaways

  • Compare cheap car insurance quotes from multiple insurers to find the best deal.
  • Know what you need before getting quotes.
  • Comparison websites like Way can streamline your search for the best car insurance.

How to Get a Car Insurance Quote

Getting a cheap car insurance quotes is the best way to see how much different companies charge and what kinds of coverage they offer. Traditional auto insurance companies do offer free car insurance quotes. However, this method is only sometimes the best because it only gives you one choice.

When you're looking for a new policy, follow these steps to find great coverage at an affordable price.

Set a Budget

Price is the first thing that most people look at when they get car insurance quotes. It would help if you tried to keep your car insurance costs as low as possible, but keep in mind that cheap auto insurance quotes aren't always the best.

It might not be the best idea to get cheaper car insurance from a company with a bad reputation or bad customer service. Now is the time to use what you know about the different kinds of news.

Consider Your Coverage

It can help your search for car insurance quotes if you know ahead of time what kind of coverage you need. Some drivers only want the bare minimum in car insurance. However, there are many reasons to look at more than just liability insurance.

You might have to pay for losses that are more than your liability limits if you were at fault in an accident. Second, some insurance companies think that drivers who have had state minimum coverage before are a risk. If an insurance company thinks you are a dangerous customer, they will charge you more to cover that risk.

Research Insurer Reputation

One very important thing you should do when shopping for car insurance quotes online is to learn about how different companies treat their clients. Along with groups like the Better Business Bureau and J.D. Power, you should look for things like claims satisfaction and customer concerns.

Choose How to Get Your Quotes

After learning about the best insurance companies, the next thing you should do is choose how you want to get your car insurance quotes. It is important to get more than one car insurance quote, no matter what way you choose. The following ways can be used to do this:

Local Captive Agents

Because they only work for one insurance company, these agents can't compare rates, so you'll only get a price from one company. These insurance agents are great for customer service, and many of them have physical offices to serve their clients. However, some companies that focus more on technology no longer use these types of agents at all.

Independent Agents or Brokers

You have many choices because different insurance companies hire independent agents to sell their plans. To get cheap car insurance quotes auto-super app Way is an example. We work with some of the best insurance companies and have a man here who can help you with your car insurance.

Online Comparison Sites

Online insurance comparison sites like Way can help you get several affordable car insurance quote in just a few minutes. They are the most convenient and give you the most choices.

You can get direct quotes for car insurance online or over the phone

Online free auto insurance quotes are one of the easiest ways to look for car insurance. Most companies, like State Farm and Allstate, let you get free car insurance quotes online. You can start the process on your own, but an agent will call you to finish the quote.

When you buy a policy online or over the phone, you are said to be getting car insurance "directly" from the company.

You can make more changes to your coverages if you buy insurance directly from the company instead of through an agent. You can also get car insurance quotes online. But there may be follow-up calls and emails, or you may find that websites give you less information than talking to an agent in person.

How much are Car Insurance Quotes?

Car insurance quotes can be very different from one person to the next because of all the factors that go into setting the price. We also need to learn more about your car, where it is, or your driving record, so we can't say for sure what kind of auto insurance price you'll get.

But our study of national car insurance rates in June 2024 helped us come up with these averages:

Average auto insurance costs for a 35-year-old driver:

Driver profile Full coverage Minimum coverage
Clean driving record, good credit $1,718 $488
One speeding ticket, good credit $2,177 $616
One at-fault crash, good credit $2,526 $725
One DUI, good credit $3,186 $919
Clean driving record, poor credit $2,741 $756

See what you could save on auto insurance

Why use Way?

You can get personalized cheaper car insurance quotes from top companies through Way. Way is an independent insurance expert and comparison site that can speed up your research.

Way lets you compare car insurance quotes online quickly and easily, so you don't have to guess which insurance is best for you. We work with more than 140 auto insurance companies to help you find the right insurance for your needs.

With Way:

  • Get several cheap car insurance quotesat once to save time
  • Find the cheap online car insurance quotes based on how you drive.
  • Find out what kind of cover you need.
  • Our experienced in-house agents can help you.
  • You can be sure that your personal information is safe.

Way really cares about your privacy. We don't even ask for your phone number so that you won't get spam, and we don't sell your information to anyone else.

You can start the process online or call us to talk to one of our agents.

Find Cheap Car Insurance Quotes

We all know that the main reason people look for cheap car insurance quotes is to save money. We've put together a list of ways to help you get cheap car insurance quotes online.

Compare Auto Insurance Rates

Every six months, you should look at compare car insurance quotes to make sure you're with the right company. Many things could cause your rates to go up during that time, even if nothing changes about you. Some things that might get you lower rates, though, are moving to a new state, adding a new car to your policy, getting married, or even just getting older.

If you can find a better deal somewhere else for the same level of coverage, you should cancel your old insurance and start with the new one right away. If you still have time left on your car insurance policy, you can get your remaining premium back.

Use Car Insurance Discounts

Sometimes, when they look at your driving record, some discounts are already built into your car insurance quote. But you should always check to make sure they have everything.

Here are some possible discounts and programs that will help you save money that will help you get the cheapest price:

Change Your Deductible

As a general rule, if your car is worth less than $4,000, you should consider getting less crash and comprehensive (full coverage) insurance. The reason is easy to understand: your car's resale value isn't worth the money it costs to cover. However, if you lease or finance your car like half of our customers do, you generally have to keep full coverage.

If you need full coverage for your car insurance but want to save money, you should change your deductible.

Since the relationship between your car insurance deductible and rate is the opposite of what you might think, raising your deductible will lower your bill. You can see how your rate will change with a $500 or $1,000 deductible in the chart below.

Average Monthly Insurance Quotes by Coverage Level
Company Coverage Avg. Monthly Premium
USAA Liability Only $36
State Farm Liability Only $49
Nationwide Liability Only $50
Progressive Liability Only $58
Farmers Liability Only $60
Allstate Liability Only $61
USAA Full Coverage w/ $1000 Deductible $99
Nationwide Full Coverage w/ $1000 Deductible $112
USAA Full Coverage w/ $500 Deductible $114
State Farm Full Coverage w/ $1000 Deductible $121
Nationwide Full Coverage w/ $500 Deductible $123
State Farm Full Coverage w/ $500 Deductible $131
Farmers Full Coverage w/ $1000 Deductible $135
Progressive Full Coverage w/ $1000 Deductible $139
Farmers Full Coverage w/ $500 Deductible $149
Progressive Full Coverage w/ $500 Deductible $157
Allstate Full Coverage w/ $1000 Deductible $177
Allstate Full Coverage w/ $500 Deductible $201

Quotes Comparison Example

After getting several car insurance quotes, a shopper who wants to save money has chosen the three choices below.

The customer is mostly interested in price, but they also want to make sure they have accident and comprehensive coverage for extra peace of mind. Based on the facts given, which quote should they pick?

Liability Deductible Cost
Quote #1 50/100/50 $1,000 $111/month
Quote #2 100/300/100 $1,000 $112/month
Quote #3 100/300/100 $500 $125/month

The prices of all three choices were about the same, but #1 had less liability coverage. That's the only real difference between #2 and #3; the third choice had a higher copay. The best choice for this customer is #2 because they only care a little about having a bigger deductible.

Do You Have Any Claims on Your Record?

You can check your car insurance claims in two main ways. One way is to ask your current or former insurance company for a letter of experience. This will give you more information about your policy. You can order a Comprehensive Loss Underwriting Exchange (CLUE) report if you can't get a letter of experience. This is the other main way to look at your claim history.

Read on to learn what the difference is between the two.

Letter of Experience

A letter of experience is a piece of paper that contains all the details about your policy. It includes information about the claims you made, how the company investigated them, and how they were finally solved.

What Should Be in a Letter of Experience?

If you need a letter of experience from your provider, all you have to do is ask your insurance agent for one. Usually, the following information will be in it:

  • Names of the people who are covered in the policy
  • Number of the policy
  • What the policy is like right now
  • The beginning and end dates of the policy
  • All the claims that were made on the policy
  • Specifics about the claim, like what kind of claim it is and when it was made
  • Any finding of fault
  • Any hurts claimed
  • Payout in total
  • If possible, information on why the policy ended

For an experience letter to be valid, it needs to be printed on the business's letterhead and signed by a real person from the company.

CLUE Report

Claim information is put together in a CLUE report, which is made by the consumer reporting service LexisNexis. Most CLUE reports have up to seven years of claims history for home and car insurance policies. It won't hurt your credit score to ask for a copy of your CLUE report.

What Does a CLUE Report Have?

This is what a CLUE report normally has:

  • Name
  • When you were born
  • The number of your insurance policy
  • All the information about the claims, like the date, type of loss, and amount given. Information about the property that is covered.

Why would an insurance company use a CLUE report?

When you apply for a new insurance policy, the company may ask for a CLUE report. The company will review this very detailed record to decide whether to cover you and how much to charge you.

You can use a CLUE report to guess how risky it might be to insure you. You may be thinking of filing more claims in the future if you have a past of filing many claims.

How do I get a Clue Report?

Get in touch with LexisNexis to ask for a CLUE report. This study is free, and you can get one copy every 12 months.

Information Needed to Get Insurance Quotes

You'll need the same general information to get a cheapest online auto insurance quotes. To get things done faster, make sure you have these things ready to hand over:

Driver's license

Along with your gender and marital situation, you must include your name, address (or where you park your car), and birthday. For some insurance companies, they will also need the number on your driver's license.

Vehicle type

It's important to know your main car's year, make, model, and style. You don't need to know your vehicle identification number (VIN) to get a quote, but you will need it when you buy your insurance.

Other vehicle details

People usually also want to know if the vehicle is owned or rented, what it is mostly used for, and the average number of miles it is driven.

Insurance history

Have you had coverage for a long time, or are you currently not insured? Some car insurance companies will give you a policy once you've had insurance for at least six months straight.

Additional information

Lastly, they will ask about any crashes or tickets (not including parking tickets), so it's best to have a clean record. To determine your risk, they will also need to see your credit score and highest level of schooling.

Factors Involved In Generating Car Insurance Quote

How does age affect car insurance quotes?

Believe it or not, your age can significantly impact your car insurance premium. Younger drivers, especially those under 25, often face higher rates due to perceived higher risk. As you mature and gain driving experience, your rates typically decrease.

How does marital status affect car insurance quotes?

Traditionally, married individuals have been seen as more responsible drivers, leading to lower premiums. However, this trend is changing, and many insurers now offer similar rates to both married and single drivers.

How does location affect car insurance quotes?

Where you live plays a big role in your car insurance cost. Urban areas with higher crime rates and traffic congestion tend to have higher premiums, while rural areas might offer more affordable rates.

How does education affect car insurance quotes?

While education level isn't a direct factor, it can indirectly influence your rates. Higher education often correlates with higher income, which might lead to owning newer, more expensive cars, potentially impacting your premium.

How does credit score affect car insurance quotes?

Many insurers increasingly use your credit score to assess risk. A good credit score often translates to lower premiums, while a poor score might result in higher rates.

How does your car insurance history affect your car insurance quotes?

Your driving history is a major factor in determining your premium. Accidents, traffic violations, and claims can significantly increase your rates. A clean driving record, on the other hand, can lead to discounts.

How does how and what you drive affect car insurance quotes?

The type of car you drive, its safety features, and your annual mileage all influence your premium. High-performance cars or those with a higher theft risk tend to be more expensive to insure. Additionally, driving more miles increases your risk of accidents, potentially leading to higher rates.
Remember, these are general factors, and individual circumstances can vary. It's always a good idea to compare quotes from multiple insurers to find the best deal for you.

See what you could save on auto insurance

How to Get the Cheapest Car Insurance Quote Possible?

Work on Your Credit

Believe it or not, your credit score can impact your car insurance rates. Aim for a good credit score to snag those potential discounts.

Shop for Insurance before Buying a Car

Be sure to find the best deal on your new ride before you have the keys in hand. Compare quotes from different insurers.

Drive Cautiously

Speeding tickets, accidents, and DUIs are like kryptonite for your wallet. Maintain a clean driving record for potential discounts.

Look for Discounts

Many insurers offer discounts for bundling policies, being a good student, or installing safety features. Ask about them!

Raise your Deductibles

Increasing your deductible (the amount you pay out-of-pocket before insurance kicks in) can lower your monthly premium. Just make sure you can handle a higher upfront cost in case of an accident.

Remember: The cheapest quote is only sometimes the best deal. When making your decision, consider coverage options and customer service.

Bonus Tip: Use online comparison tools to compare quotes from multiple insurers quickly.

Frequently Asked Questions

What is a car insurance quote?

Car insurance quotes are an idea of how much you might pay for coverage from a certain company. The information you give about yourself affects the quotes you get for car insurance. Rates for car insurance are based on your age, credit score, and driving record.

Are car insurance quotes free?

You can get free car insurance quotes over the phone or online. Major insurance companies and insurance comparison sites like Way both offer free car insurance quotes. In just a few minutes, you can get prices from hundreds of the most reliable insurance companies.

What is the best place to get insurance quotes?

A comparison site like Way is the fastest and easiest way to get affordable car insurance quotes. With Way, you can compare car insurance quotes online from as many companies as possible side by side. This lets you find the best rate for the coverage you need.

Is it safe to get car insurance quotes online?

You are just as safe getting and looking online for car insurance quotes as you would be with an insurance broker. This is the best way to get car insurance quotes because it will save you time and money.

Who typically has the cheapest car insurance?

As of right now, Way says that USAA ($889/year) and Nationwide ($1260/year) are two of the best car insurance companies. There are, of course, price factors that are unique to each driver, but our data shows that these are, on average, the best choices.

Why is my car insurance so expensive?

High car insurance quotes can be caused by many things, some of which are out of your control. Some of these are the company you choose, where you live, your age, your driving record, the type of car you drive, and even your credit score. To get car insurance quotes that are the cheapest, you should get car insurance quotes from more than one company, look for discounts, and think about changing the coverage.

INSURANCE AGENT EXPERTS

Wilson Mathew Nechikat

Wilson Mathew Nechikat

Principal

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Anthony Luu

Anthony Luu

Sr. Director of Insurance Operations

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Ezra Peterson

Ezra Peterson

Sr. Director of Insurance

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Danny Herrera

Danny Herrera

Head of Commercial Insurance

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Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

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Learn more by city and state for car insurance




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