How can I get cheap auto insurance?

When you hear the word "cheap," you might think of poor quality, but cheap also means affordable, as in affordable car insurance. And there are plenty of avenues you can take to get quality auto coverage at an affordable price.

Getting low-cost auto insurance can be as simple as driving responsibly or tinkering with your policy to find a balance between costs and coverages. We'll steer you in the right direction to find high quality, cheap car insurance that fits your needs and your budget.

Want a cheap auto insurance rate? Quote auto insurance today and start saving with Progressive..

Check your driving record

Your driving history is arguably one of the most significant factors in determining your insurance cost. Fortunately, accidents and moving violations usually get stricken from your motor vehicle record after a few years, so your car insurance becomes more affordable.

For instance, moving violations and at-fault accidents typically affect your driving record for three to five years (although this may vary by state and insurer for at-fault accidents). Start shopping for a new insurance policy after an accident or ticket has been removed from your driving record. If your record is free of tickets or accidents, you may be rewarded with additional savings on your Progressive Auto policy.

Interested in learning more? See how car insurance works.

Review and adjust your coverages

Another way to get affordable car insurance is to customize your quote by selecting only the coverages and limits you need. Your most significant savings, however, can come from dropping comprehensive and/or collision coverage. If you do this, your vehicle won't be protected against damage, but if your car is paid off and worth less than a few thousand dollars, this coverage may not make sense to keep. Consider getting a quote with Progressive's Name Your Price® tool, which shows you the best coverage options for your budget.

Increase your deductible

Increasing your deductible can lower your rate. If you want to reduce the cost of your car insurance and are willing to pay more out of pocket in the event of an accident, your auto insurer will typically let you increase your deductible. With a Progressive Auto policy, you can increase your deductible at any time during the life of your policy.

Deductible Six-month cost Cost difference
$100 Six-month cost $420 Cost difference
$250 Six-month cost $300 Cost difference -29% lower
$500 Six-month cost $225 Cost difference -25% lower
$1,000 Six-month cost $162 Cost difference -28% lower
$2,000 Six-month cost $135 Cost difference -17% lower

Premium amounts are hypothetical. The change in premium based on changes in deductible amounts reflect Progressive’s direct auto Ohio rate filing as of August 2019. View this table as an image.

Earn a multi-policy discount

Some insurers, like Progressive, offer discounts for bundling your car insurance with other policies. Do you have home, renters, motorcycle, RV, or boat insurance with Progressive? If so, you're eligible for the Multi Policy Discount on your Progressive Auto policy.† Depending on the state you live in, you can earn additional discounts:

  • Homeowner: Do you own a house? You can get a discount for being a homeowner, even if you're not insured through Progressive.
  • E-signature: Simply sign your documents online to earn this discount.
  • Multi Car: If you have two or more cars on the same policy, you'll get a lower price on your auto insurance.
  • Paid In Full: Earn another discount when you pay for your six-month policy upfront.
  • Automatic Card Payment: Prefer to pay for your policy as you go? Sign up for automatic payments and receive a discount.

Note: The Paid in Full Discount and Automatic Payment Discount cannot be combined.

Want more ways to get cheap car insurance through discounts? Learn more about bundling insurance and other discounts you may qualify for.

Remove inactive drivers or vehicles

Keeping your policy's driver and vehicle information current may save you money. Is there a family member who no longer drives your vehicles, or do you have a vehicle you don't drive anymore? If so, remove them from your policy right away. Just keep in mind, if you remove a car from your policy, you may lose your multi-car discount.

Compare rates

A surefire way to find low-cost auto insurance is to compare competitor pricing. Progressive saves you the legwork with our convenient rate comparison tool.

Try Snapshot®

Snapshot is a free program that personalizes your rate based on your actual driving. The safer you drive, the more you save. The average driver saves $145 with Snapshot.* You don't even need to be a Progressive customer to try it — just sign up for the Snapshot Road Test®. After 30 days of safe driving, you'll find out how much you could save with Progressive!

Already a Progressive customer? Sign up for Snapshot and see if your good driving habits could save you more.

How to quote cheap car insurance

Go online

Answer some easy questions and choose coverages. We even offer an online quote discount.

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