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I’m trying to find the absolute cheapest car insurance in the United States that still meets the legal requirements to drive. I’m on a really tight budget and just need the bare minimum coverage. Has anyone found a provider with exceptionally low rates, especially for just liability? Any personal experiences or specific company recommendations would be greatly appreciated.
I’ve heard that the absolute cheapest options are often regional insurance companies that don’t spend a lot on marketing. For example, in Iowa, people have suggested getting quotes from IMT, Grinnell, and Iowa Mutual. It might be worth looking into smaller insurers in your specific state.
I once considered a pay-per-mile insurance option when I wasn’t driving much. I heard of Metromile where some people reported paying as low as $27 per month. If you don’t drive many miles, this could be significantly cheaper than a standard policy.
From what I’ve gathered, your age and driving history play a huge role in insurance costs. As a new driver, you might find rates are higher regardless. However, focusing on the bare minimum liability coverage is generally the cheapest way to go.
When I was looking for cheaper insurance, someone suggested using a website like PolicyGenius to get multiple quotes at once. This can save you a lot of time compared to getting individual quotes from many different companies. You can then easily see who offers the absolute lowest price for the minimum coverage you need.
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