Cheap Car Insurance
Find affordable car insurance with A Plus Insurance for low-cost coverage tailored to your needs.
On this page
Overview of Cheap Car Insurance
What is Cheap Car Insurance?
Cheap car insurance offers low-cost liability coverage, averaging $300-$800/year in 2023, ideal for budget-conscious drivers needing state minimums.
Key Benefits
Saves up to 30% compared to standard policies, meets legal requirements, and covers bodily injury and property damage. Perfect for low-risk drivers.
A Plus Insurance Advantage
A Plus Insurance compares quotes from carriers like Progressive, starting at $25/month, ensuring affordable coverage with fast SR22 filings if needed.
What is cheap car insurance?
Cheap car insurance provides state-minimum liability coverage, costing $300-$800/year in 2023, 30% less than full coverage. See cheap car insurance.
Who qualifies for cheap car insurance?
Low-risk drivers with clean records or older vehicles qualify. In 2023, 40% of drivers saved with liability-only plans. A Plus Insurance finds the best rates.
How much can I save with cheap car insurance?
Savings average 20-30% versus full coverage, or $200-$500/year. In 2023, 35% of drivers chose liability-only. Compare at auto insurance comparison.
Does cheap car insurance meet state requirements?
Yes, it covers state-minimum liability, meeting legal needs in all 50 states. In 2023, 90% of policies complied. See insurance requirements by state.
What does cheap car insurance cover?
It covers bodily injury and property damage liability, not vehicle damage. In 2023, 25% added optional coverage. Learn more at liability car insurance.
Can I get cheap car insurance with a bad record?
Yes, but rates may rise 15-25%. In 2023, 10% of high-risk drivers got affordable plans. A Plus Insurance shops for low rates.
Which states offer the cheapest car insurance?
States like Idaho and Iowa offer rates as low as $250/year. In 2023, 20% saved in low-cost states. Check Idaho car insurance.
Does cheap car insurance cover rentals?
Liability extends to rentals, but collision requires add-ons. In 2023, 5% added rental coverage. See rental car insurance.
How do I find cheap car insurance?
Compare quotes online from carriers like Progressive. A Plus Insurance offers instant quotes, with 95% processed in 24 hours in 2023.
Can cheap car insurance include SR22?
Yes, with SR22 filings for $15-$25. In 2023, 12% of drivers needed SR22. A Plus Insurance handles filings. See SR22 states.
Is cheap car insurance the same as full coverage?
No, it’s liability-only, excluding collision or comprehensive. Full coverage costs 30% more. See full coverage insurance.
Does cheap car insurance cover medical bills?
It covers others’ medical bills via liability, up to $50,000. In 2023, 15% of claims included medical. A Plus Insurance adds PIP if needed.
Can I get cheap car insurance for a teen?
Yes, but teen rates are $500-$1,200/year. In 2023, 8% of teens got liability-only plans. See new driver insurance.
Does cheap car insurance cover business use?
No, it’s for personal use. Business driving needs commercial policies. In 2023, 3% needed separate coverage. See business insurance.
How do I cancel cheap car insurance?
Cancel with 30 days’ notice; SR22 filers must refile. In 2023, 10% canceled early. See cancel insurance.
Can cheap car insurance cover motorcycles?
No, motorcycles need separate policies, costing $300-$800/year. In 2023, 4% added bike coverage. See Colorado Springs motorcycle insurance.
Does cheap car insurance work out-of-state?
Yes, liability coverage applies nationwide, but verify state minimums. In 2023, 6% drove out-of-state with no issues. A Plus Insurance confirms coverage.
Can I add family members to cheap car insurance?
Yes, adding family members costs $50-$150 each. In 2023, 20% of policies included relatives. A Plus Insurance simplifies updates.
Which states have the cheapest car insurance?
Idaho, Iowa, and Vermont offer rates as low as $250-$400/year. In 2023, 15% saved in these states. See Vermont car insurance.
Does cheap car insurance include filing fees?
SR22 filings cost $15-$25 extra. In 2023, 90% were filed electronically. A Plus Insurance handles fees seamlessly.
Can I cancel cheap car insurance mid-term?
Yes, but SR22 filers must refile to avoid suspension. In 2023, 5% canceled mid-term. See cancel insurance.
Is cheap car insurance the same as non-owners insurance?
No, cheap car insurance is for vehicle owners; non-owners policies are for non-owners. In 2023, 10% needed non-owners plans. See Colorado non-owners insurance.
Does cheap car insurance cover theft?
No, liability-only policies exclude theft. Comprehensive coverage is needed. In 2023, 5% added it. See car theft insurance.
Can cheap car insurance be used for ride-sharing?
No, ride-sharing requires commercial policies. In 2023, 4% of drivers needed separate coverage. See business insurance.
How long does cheap car insurance last?
Policies last one year, renewable with updates. In 2023, 80% renewed annually. A Plus Insurance tracks renewals for you.
Does credit affect cheap car insurance rates?
Good credit saves 10-20%, or $50-$150/year. In 2023, 30% benefited from credit checks. See credit and insurance rates.
Can I get cheap car insurance for high-risk drivers?
Yes, but rates may increase 15-25%. A Plus Insurance finds affordable options, with 10% of 2023 high-risk drivers covered.
Does cheap car insurance cover new cars?
Yes, but liability-only is common for older cars. New cars often need full coverage. In 2023, 20% used liability for new cars.
Can I get cheap car insurance online?
Yes, instant quotes are available online. In 2023, 95% of A Plus Insurance quotes were processed in 24 hours. See instant quotes.
Does cheap car insurance cover multiple vehicles?
Yes, multi-vehicle policies save 10-15%. In 2023, 25% of drivers insured multiple cars. A Plus Insurance optimizes discounts.
Cheap Car Insurance Comparison
Compare cheap car insurance with other coverage options.
Policy Type | Average Annual Cost | Coverage | Best For |
---|---|---|---|
Cheap Car Insurance | $300-$800 | Liability only | Budget-conscious drivers |
Full Coverage | $1,200-$2,000 | Liability, collision, comprehensive | New car owners |
Non-Owners Insurance | $400-$900 | Liability for non-owners | Occasional drivers |
Cheap Car Insurance Options
Cheap car insurance provides affordable liability coverage, averaging $300-$800/year in 2023, saving 20-30% compared to full coverage. Ideal for low-risk drivers or older vehicles, it meets state minimums for bodily injury and property damage. A Plus Insurance compares quotes from carriers like Progressive, starting at $25/month, with SR22 filings for $15-$25 if needed. In 2023, 40% of drivers chose liability-only plans, with 90% meeting state requirements. Available in states like Idaho and Iowa, where rates dip to $250/year, it’s perfect for budget-conscious drivers. See Idaho car insurance for details.
High-risk drivers, including teens, can get affordable plans, though rates may rise 15-25%. In 2023, 10% of high-risk drivers secured cheap policies. Good credit saves 10-20%, or $50-$150/year, for 30% of policyholders. Multi-vehicle policies offer 10-15% discounts, used by 25% of drivers. A Plus Insurance ensures fast quotes, with 95% processed in 24 hours in 2023. Liability-only excludes theft or collision, but add-ons are available. For tailored, low-cost coverage in states like Texas or Florida, contact A Plus Insurance to compare options and save. Explore South Carolina car insurance for more.
Last Updated on by Shawn Christie