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Cheap auto insurance

Cheap auto insurance doesn’t mean you have to compromise on quality. You just need to know where to look and what to look for in an auto policy. Savvy auto insurance customers can benefit from the regular price adjustments and the introduction of new discounts by an auto insurance carrier, if they shop. So, are you getting the best value at the best price?

Let's Start with Automobile Selection...It Can Positively Impact Your Rate

So why is it some cars appear to be more “insurable” than others? Is it a bias toward make or model? What about price range or trim level? While some of that is relevant, it is a much bigger picture answer than that. Among many factors, insurance companies take into account what  it costs to repair or replace your vehicle when determining rate. So, shopping for a new car doesn’t have to mean breaking the bank. In fact, some vehicles, simply by virtue of their design and manufacture, will save car shoppers money on their auto insurance.

Most Affordable Vehicles to Insure Overall

We examined the top 100 make and model combinations for 2018 vehicles to compile a list of the cheapest vehicles to insure. Four of the top six spots are held by crossovers and SUVs.

Rank Overall
1 Honda Fit
2 Ford Fiesta
3 Honda CR-V
4 Honda Pilot
5 MINI Cooper Countryman
6 Ford Edge
7 Mazda3
8 Hyundai Elantra
9 Toyota Sienna
10 Nissan Versa
Mazda 3

Most Affordable Green Vehicles to Insure

This most affordable "green" vehicles to insure list includes the top 200 make and model combinations for 2016 hybrid, plug-in hybrid, hydrogen, electric vehicle, partial zero emissions vehicles (PZEV) and ultra-low emissions vehicles (ULEV).

Rank Green Vehicles
1 Honda Fit
2 Ford Fiesta SFE
3 Honda CR-V
4 MINI Cooper Countryman
5 Ford Edge
6 Mazda3 (5-door)
7 Toyota Highlander Hybrid LE Plus
8 Hyundai Elantra
9 Ford Focus Electric FWD
10 Toyota RAV4 LE/XLE
Ford Fiesta

Most Affordable Electric Vehicles to Insure

Electric vehicles have come a long way, as the market has seen a steady stream of new models that you can purchase. Did you know that Mercury Insurance was named by NerdWallet as the least expensive insurance provider for electric vehicles (EVs)? The following list includes the cheapest 2017 pure electric vehicles to insure.

Rank Electric Vehicles
1 Fiat 500e
2 Kia Soul EV
3 Nissan Leaf
4 Volkswagen e-Golf
5 Smart ForTwo Electric Drive
6 Mitsubishi i-MiEV
7 Ford Focus Electric
8 Hyundai IONIQ Electric
9 BMW i3
10 Tesla Model 3
Fiat 500

Safest and Most Affordable Vehicles to Insure for Teens

The National Highway Traffic Safety Administration's (NHTSA) 5-Star Safety Ratings Program provides consumers with information about the crash protection and rollover safety of new vehicles, with more stars equaling safer cars. We examined 2016 model year vehicles for which ratings are available to compile the list of most affordable to insure for teen drivers.

Rank Vehicles for Teen Drivers
1 Kia Sportage
2 Kia Soul
3 Hyundai Tucson
4 Honda CR-V LX
5 Honda Fit
6 Hyundai Elantra GT
7 VW Golf Sportwagen SW
8 Subaru Outback
9 Dodge Dart
10 Honda HR-V EX
5-Fit

How to Lower Your Car Insurance Rate

The price you pay for car insurance depends on a number of factors, which can vary from state to state. However, there may be changes you can make to get the most affordable auto insurance rate without taking drastic measures:

  • Combine auto and home policies
  • Review your limits and deductibles with your agent
  • Update your policy information regularly, especially the number of miles you drive
  • Pay for your policy in full
  • Keep a clean driving record
  • Complete a defensive driving course
  • Carefully consider which type of vehicle you purchase when shopping for a new car
  • Take advantage of multi-car discounts when adding more cars or drivers to your policy
  • Inform your insurance company of safety and anti-theft devices on your car
Meeting with agent

Some of these factors may not apply to you or your state. Speak to a Mercury agent to confirm which ones can affect your insurance rates and if you’d like additional information on how to lower your car insurance rate check out our resource center.

Discounts that help you lower your rate

Mercury Insurance can help you get to your goal of cheap insurance without compromising on coverage. We already offer some of the most affordable car insurance rates around and by adding one or more of our many discounts1 and you can lower your insurance premiums even more. Here are just a few that we offer:

  • Multi-Policy Discount
    Having multiple vehicles on your car insurance policy can lead to savings and makes it easier to manage everything in one location. We’d like to give you a discount for that!
  • Anti-Theft Feature Discount
    We reward drivers who install an anti-theft device in their vehicle, demonstrating extra intent to protect the car, truck, SUV or crossover. These devices help to reduce and resolve theft claims.
  • Good Driver Discount
    Good drivers should be rewarded. If you or any driver on your policy has gone a specified period of time without getting into an accident or receiving a ticket, you might be eligible for this discount.

What Are You Buying? How Much Do You Need?

Auto liability insurance is required by law in almost every state. The minimum coverage would pay for injuries and damages to the other vehicles involved in a car crash. Drivers can avoid fines and penalties by buying insurance that meets the minimum coverage limits required by states.

Bodily Injury (BI)

This coverage pays for injuries to other people when you’re driving and are legally at fault.

Property Damage (PD)

This coverage pays for damage to someone else’s property caused by the insured’s vehicle.

States where Mecury Inurance Operates Min. for Bodily Injury 
(One Person)
Min. for Bodily Injury 
(All Involved)
Min. for Property Damage
AZ $15K $30K $10K
CA $15K $30K $5K
FL $10K $20K $10K
GA $25K $50K $25K
IL $25K $50K $20K
NV $15K $30K $10K
NJ $15K $30K $5K
NY $25K $50K $10K
OK $25K $50K $25K
TX $30K $60K $25K
VA $25K $50K $20K

2019 Auto Insurance Rates...Are You Getting the Best Deal on Insurance?

Utilizing an independent automobile insurance comparison tool from the California Department of Insurance, drivers that switch to Mercury save an average of $7692.

CARRIERS AVERAGE 6-MONTH MERCURY SAVINGS
Allstate $1,025
Esurance $721
Farmers $718
Geico $740
Liberty Mutual $1,209
Nationwide $925
Progressive $233
State Farm $783
Travelers $421
USAA $128
Wawanesa $171

2Savings info. based on 2019 CA Department of Insurance rate comparison profile 38B. Individual savings may vary.

1Discounts and coverages may vary by state.