Nobody wakes up excited to shop for car insurance. We get it. But here’s the thing: Spending 10 minutes comparing insurance quotes could save you hundreds of dollars a year, and Jerry has the data to prove it.

Jerry is a licensed insurance broker that works with 50+ carriers across the country. We see tens of thousands of real quotes every month, so we understand the market and know what we’re talking about. The page below shows actual quote data (not estimates, not hypothetical scenarios), so you know exactly which companies are offering the cheapest car insurance rates right now.

One thing to mention upfront is that “cheapest” doesn’t always mean “best.” Sure, we’ll show you the lowest prices we’re seeing, but we’ll also tell you when cutting corners on coverage could cost you a lot more than you’ll save.

Quick picks: Cheap car insurance by category

Here are the categories we chose when researching cheap car insurance for a range of Jerry drivers and profiles. Use the links below to jump around and learn, then let Jerry personalize the results for your exact details.

• Choose your category

  Overall cheapest

  How to save on car insurance

  Young drivers (18 to 29)

  Middle years (30 to 64)

  Seniors (65+)

  Cheapest cars to insure

  Cheapest by state

  Cheapest after a DUI

  Cheapest car insurance after an accident

  Cheapest car insurance for drivers with speeding tickets

The Cheapest Car Insurance Companies Right Now 

Every insurer prices risk differently. Some want young drivers while others specialize in people with a few dings on their record. That’s why comparing insurance quotes for your specific situation is the best way to find your lowest rate.

Over the last year, Jerry helped 73,547 drivers buy cheap car insurance for less than $100 per month. Here’s what our drivers are seeing across the board.

Cheapest full coverage car insurance

Many Jerry drivers choose full coverage, which typically includes liability along with comprehensive and collision coverage. This provides protection for your own car, even if you’re at-fault for an accident. Full coverage is optional for many drivers but is often required on financed or leased vehicles. 

Based on Jerry data, Aspire Advantage is currently the cheapest full coverage insurer overall, with monthly quotes ranging from $98 to $248.

Cheapest minimum coverage car insurance 

Most states have required coverage laws, which outline the bare-minimum insurance you need to legally drive. State-minimum coverage will be your cheapest car insurance option, but only covers damage you cause to other people and their property (and sometimes your own medical bills). It’s usually not enough to offer adequate protection, though. We’ll explain why that matters in a moment.

For minimum coverage, Aspire Advantage is currently cheapest for Jerry drivers, ranging between $43 to $108.

Learn more: Full coverage vs. liability-only insurance

Full coverage vs. minimum coverage: The $40,000 mistake 

Before we go deeper on rates, we need to talk about something most insurance sites won’t tell you.

The average cost of a new car in 2025 was over $50,000, according to Kelley Blue Book. Yet many states only require $10,000 in property damage liability coverage. Think about that: if you total someone’s car and you’re carrying the legal minimum, you could be personally on the hook for $40,000 or more.

And it’s not just cars. Hit a guardrail, a storefront or a utility pole? That’s property damage, too. If your insurance doesn’t cover it, your savings, your home and anything else you own could be at risk.

Our honest recommendation? Buy as much coverage as you can afford comfortably. The price difference between minimum and adequate coverage is often smaller than people expect, but this best protects you and your family. Here’s a look at how little the prices differ, so you can see for yourself.

If you own a home, have savings or have any assets worth protecting, we recommend that you don’t just buy minimum coverage. A common guideline is $100K/$300K/$100K in liability limits — that’s $100,000 per injured person, up to $300,000 per accident and $100,000 for property damage. If the total value of your assets exceeds $300,000, consider raising liability limits or buying umbrella coverage.

How to save on car insurance

Before we talk more about the cheapest car insurance for different types of drivers, it’s important to know that there are some ways to find discounts and you can lower your premium no matter who you are or what you drive.

Most “tips to save on car insurance” articles give you the same vague advice, but Jerry has the data to give you even more insight. Here’s a look at what actually moves the needle, based on what we see when pulling an average of 245,021 real customer quotes every single day.

1. Shop around and compare quotes

We know you’ve heard it before, but the average difference between the cheapest and most expensive quote for the same driver is often 99% so it pays to shop around before buying. Comparing quotes has helped Jerry drivers find savings of 25% to 64% last year.

Take just a couple minutes to get car insurance quotes through Jerry. That way, you can see and compare rates from up to 25 carriers for the same coverage, and understand what your options actually are. Here are some of the most recent quotes we’ve found for Jerry drivers looking for cheap car insurance, and how much they saved by switching.

Recent quotes

2. Time your shopping

There are three times when it pays to re-quote: 

• At every insurance renewal (either 6 or 12 months).
• After a violation drops off your record (usually around 3 years).
• When you cross age thresholds (especially 25 and 65).

Set a calendar reminder and get insurance quotes before buying or renewing. Spending just a few minutes getting free quotes through Jerry — even if you don’t switch — lets you rest easy knowing you’ve actually found the cheapest car insurance available.

3. Raise your deductible — but do the math

Bumping your deductible can be a good way to unlock savings, if you can afford it. Going from a $500 to $1,000 deductible typically saves Jerry drivers to on their comprehensive and collision premiums, which could mean hundreds of dollars a year.

Just make sure you could actually pay that $1,000 deductible out of pocket if your car gets damaged or you need to file a claim. If not, the savings aren’t worth the risk.

Here’s what Jerry drivers chose for their deductibles over the past year:

4. Does your credit score affect car insurance?

If you’re not in California, Hawaii, Massachusetts or Michigan, your credit score is a pricing factor. Paying down balances and correcting errors on your credit report can lower your car insurance rate meaningfully over time.

5. Bundle carefully

Bundling home and auto coverage saves Jerry customers up to 40%. Our mix-and-match approach even lets you buy two separate policies from different companies, so you can buy the best individual coverages for you at the best total price, without giving up valuable discounts.

6. Don’t let your coverage lapse

If you’re not planning on driving for a while, you can also ask about a storage or non-owner policy. This enables you to keep continuous coverage for cheaper.

7. Car insurance discounts you may be missing

Carriers rarely volunteer all their discounts, but Jerry makes sure you get every single one you’re eligible for. This might include discounts for things like good student, defensive driving course, low mileage, paperless billing, paid-in-full, telematics, professional or alumni affiliations and multi-vehicle coverage. Many of them stack, too, allowing Jerry drivers to save up to 40%.

8. Consider smaller or regional carriers

While the bigger, well-known carriers are household names, smaller regional insurers are also worth a look. They sometimes offer identical coverage at lower rates because they’re built for your specific market.

Jerry helps you shop from 50+ carriers across the country, so you can compare quotes from a mix of carriers in your area.

9. Drive safely (the long game)

No, it’s not glamorous to be cautious behind the wheel, but it’s important for both safety and your insurance premium. If you mess up, violations will fall off your record over time.

Each year of clean driving makes you a more attractive customer. If you’re currently paying a penalty for a past violation, shop again the year it drops off. You may be surprised by how much you’ll immediately save.

Cheapest car insurance by age

Age is one of the biggest pricing factors in car insurance, especially at the extremes. Here’s what we’re seeing for each age group.

Cheapest car insurance for young drivers (ages 18–29)

There’s no sugarcoating it: young drivers pay more, especially teen drivers. Statistically, drivers under 30 cause more accidents, and insurers price that risk in. 

The good news? Rates drop steadily with every year of clean driving, and some carriers are much more forgiving than others. Certain carriers even have special discounts and telematics programs designed just for new and younger drivers, so it’s worth comparing quotes from multiple companies.

The average cost of coverage for Jerry drivers in this category is $425. Here are our cheapest insurance companies for young drivers and how much our customers pay for full coverage, on average.

Cheapest insurance companies for young drivers at Jerry, average cost of full coverage

If you’d rather buy state minimum coverage, you’re looking at an average cost of $189 per month through Jerry. These are the cheapest carriers offering state minimum coverage to young drivers, and how much they charge on average.

Cheapest insurance companies for young drivers at Jerry, average cost of minimum coverage

Of course, your own price will vary based on your driving record, location, the vehicle you own and your coverage options, which is why it’s important to shop around and compare quotes. Here are the cheapest quotes we’ve pulled for young drivers lately and the level of coverage they chose.

Recent quotes for young drivers (18-29)

Learn more about buying cheap car insurance for students

Cheapest car insurance for adults (ages 30–64)

Middle age adults are the sweet spot for car insurance. Age stops being a major factor, and your rate is driven more by your credit (in many states), driving record, zip code and even marital status. If your credit and record are decent, this is when you can find genuinely affordable car insurance coverage.

Drivers between the ages of 30 and 64 are looking at an average cost of $131 per month for minimum coverage and $248 a month for full coverage when buying through Jerry. Here are the cheapest insurance companies for drivers in this age range, and how much they charge for minimum coverage on average:

Cheapest insurance companies for adult drivers, average cost of minimum coverage

Cheapest car insurance for seniors (65+)

Rates start creeping up again after 65, and some carriers hike prices more aggressively for senior drivers than others. If you’ve been with the same insurer for years, now is a particularly good time to shop around. Loyalty doesn’t always pay.

Based on Jerry data, these are the cheapest car insurance companies for seniors and how much drivers pay on average.

Cheapest car insurance companies for seniors

Also worth thinking about at this stage: make sure your liability limits are high enough to protect whatever you’ve built. Jerry’s suggestion of $100K/$300K/$100K coverage is the floor, not the ceiling, especially if you have significant assets.

What you pay may vary based on location, driving record and your coverage selections. Here are the most recent quotes Jerry has found for senior drivers and the coverage options they chose.

Recent quotes for senior drivers

Cheapest cars to insure

The make and model of your car is one of the biggest factors in what you’ll pay for insurance. Insurers look at the vehicle’s value, how much it costs to repair, how often it gets stolen and how well it protects passengers in a crash when calculating premiums. 

The differences can be significant, too. Jerry drivers insuring a pay an average of per month, while drivers insuring a pay for the same coverage.

Generally, the cheapest cars to insure tend to be midsize sedans, small SUVs and minivans with strong safety ratings, moderate repair costs and low theft rates. Here are the cheapest vehicles to insure based on recent Jerry quotes.

Cheapest cars to insure, full coverage

What about electric vehicles and sports cars?

Electric cars like Teslas tend to cost more to insure than gas-powered equivalents, mainly because replacement parts are more expensive and fewer shops are equipped to repair them. Sports cars carry higher premiums too, largely because insurers associate them with riskier driving behavior and costlier claims.

That said, neither category is a dealbreaker. Rates vary widely by carrier, and some insurers are more EV-friendly than others. Whether you’re driving a BMW or another electric vehicle, comparing quotes is especially important since the pricing spread between carriers can be larger than average.

Buying a car soon?

If you’re still deciding what to drive, it’s worth getting insurance quotes before you buy. Jerry can quote you on a vehicle you don’t own yet, so you can factor insurance costs into your purchase decision.

Cheapest car insurance by state

Where you live changes everything. Each state has different minimum requirements, different traffic risks, different population density… and all of it affects pricing. The cheapest carrier in Texas might not even write policies in Vermont.

Select your state below for a detailed breakdown of the cheapest car insurance companies near you.

Cheapest car insurance for high-risk drivers

A violation on your record doesn’t mean you’re stuck with sky-high rates forever, but it will probably bump your price in the short term. Different carriers weigh infractions very differently, so one company’s dealbreaker is another’s shrug; for example, insurance companies like The General, Dairyland and Direct Auto specialize in high-risk coverage, so there are options to find what you need even if you have a less-than-perfect record.

That said, comparing quotes matters even more when your record isn’t clean.

It’s important that you don’t let a lapse in coverage compound the problem. Driving without insurance and then re-entering the market later will cost you more than keeping a policy active, even at a higher rate. Always stay insured.

Cheapest car insurance after a DUI

A DUI is serious and it will raise your rates, but perhaps not as much as you think, especially if it’s a single conviction. Depending on your state, expect it to affect your premiums for three to 10 years. Some carriers specialize in high-risk drivers and offer surprisingly competitive quotes.

On average, Jerry drivers see their rates increase by 19% after a DUI conviction. Here is a look at how much Jerry drivers pay on average with a DUI on their record.

Full coverage after a DUI

Critical fact: Some carriers will require you to get SR-22 insurance after a DUI. This form shows that a high-risk driver meets minimum coverage requirements and can increase your rates, but it’s usually temporary.

Cheapest car insurance after an at-fault accident

In most states, the driver responsible for an accident is also on the hook for any bodily injuries or property damages incurred by other drivers in that accident, which can make insurance rates skyrocket. A minor fender bender might not move the needle much, especially if damages don’t exceed your state’s or carrier’s threshold of chargeability, but a serious wreck with injuries will. 

The surcharge for an at-fault accident typically lasts between three and five years before your record resets, so higher premiums can follow you for a while. In the meantime, some carriers are much more lenient than others. Here are the most recent quotes we’ve pulled for Jerry drivers buying full coverage after an at-fault accident.

Full coverage after an at-fault accident

Cheapest car insurance with a speeding ticket

A single speeding ticket (>15 mph over the limit) typically affects your rates for about three years. On average, Jerry drivers see their rates go up by 35% after a conviction. 

Full coverage with a speeding ticket

Cheapest SR-22 car insurance 

If you’ve been told you need an SR-22, don’t panic. An SR-22 isn’t a separate insurance policy, it’s just a certificate your insurer files with the state to prove you’re carrying at least the minimum required coverage. You’ll typically need one after a DUI, driving without insurance or certain other serious violations.

The catch? Not every carrier files SR-22s, and those that do often charge between $15 and $50 more for the privilege. And while the SR-22 requirement itself won’t raise your rates, the underlying reason for needing an SR-22 certificate does. That’s why shopping around matters here more than almost anywhere else.

Here’s a look at how much average Jerry drivers pay for minimum coverage after getting certain traffic violations that often result in an SR-22 requirement.

Most states require you to maintain an SR-22 for three years, though it can range from one to five years depending on where you live and what triggered the requirement. If your policy lapses or gets canceled during that period, your insurer is required to notify the state, and you could lose your license again.

Buy Cheap Car Insurance Online in Minutes with Jerry

You’ve seen the data, now see how it applies to you. Tell us a little about yourself and your car, and Jerry will pull real quotes from multiple insurance companies in about two minutes. No one’s going to call you, we never sell your information and there’s zero obligation. 

If we find coverage that saves you money, we can help you switch and even cancel your existing policy. And if you have questions along the way — about coverages, what you actually need and more — our licensed agents are just a call or live chat away.

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