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Cheap Auto Insurance

Cheap auto insurance doesn’t mean compromising on quality. You just need to know 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 affordable auto insurance carrier if they shop around. So, are you getting the cheapest car insurance at the best value?

The risks of cheap car insurance

The phrase “you get what you pay for” certainly applies to car insurance. If you settle for cheap insurance, you may deal with several headaches that aren’t worth the lower price tag:

  • The coverage is not enough for serious accidents
  • While insurance premiums are lower, you’ll pay a higher deductible when filing a claim
  • You might not be able to repair your car after a collision due to poor coverage

  • You could be left without a car if you can’t afford repairs

  • Expect lousy customer service, particularly when you need them the most

Coverage protection for peace of mind

There’s no one-size-fits-all insurance policy that works for every driver. That’s why you can count on us to create a personalized protection plan tailored to your needs, all while staying within your budget. Check out our custom coverage options available to you:

Mercury offers affordable car insurance without sacrificing quality support and service. Talk with an agent today to help you find cheap car insurance.

Drivers save hundreds* when switching to Mercury Insurance.

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*Individual savings may vary.

Let’s Start with Automobile Selection … It Can Positively Impact Your Rate

So, why is it some cars appear to be cheaper to insure than others? Is it a bias toward make or model? What about price range or trim level? While some of that is relevant, the answer may surprise you. In a nutshell, the greater the risk, the higher the car insurance rates. So, whenever you’re shopping for a new ride, think about getting a safe vehicle that comes with cheap car insurance. You may have to pay more upfront, but you’ll enjoy more long-term savings.

Kia Soul EV

Most Affordable EVs and Green Vehicles to Insure

Electric vehicles have come a long way, and Mercury makes it easier and more affordable than ever to insure these cars. The following list includes the cheapest new (2020 to 2021) and used (2016-2019) pure electric vehicles to insure, as well as green vehicles such as hybrids and plug-in hybrids.

EVs to Insure

Mazda CX-9

Most Affordable SUVs, Trucks & Vans to Insure

SUVs, trucks, and vans can be more expensive to insure than regular cars, but that doesn’t mean there aren’t affordable options out there. Mercury’s research and development team examined 2016 to 2021 model year SUVs, trucks, and vans to help you save on big car insurance this year. Here are the cheapest new and used SUVs, trucks, and vans to insure.

SUVs & Trucks to Insure

Toyota Yaris

Most Affordable Cars to Insure

Mercury’s research and development team examined the 2016-2021 top 100 make and model combinations for sedans, coupes, and convertibles to compile a list of the cheapest new and used cars to insure. Check out the list below to see how much you can save.

Cars & Sedans to Insure

How to Lower Your Car Insurance Rate

Your car insurance rate depends on multiple factors, which can vary from state to state. However, you might be able to lower your car insurance by making informed choices and adjustments to your policy. Consider these strategies to help you get cheap auto insurance:

  • Combine auto and home policies: Our home and auto bundle offers significant savings and keeps all your policies under one provider.
  • Review your limits and deductibles: Talk with your insurance agent to ensure that your coverage limits and deductibles align with your current needs. Sometimes, adjusting these can lower your premiums.
  • Update your policy information regularly: Make sure your policy reflects your current situation. For example, if you're driving fewer miles than you used to, your rate could go down.
  • Pay for your policy in full: If you can afford it, paying your policy premium in full, rather than in monthly installments, can often result in a discount.
  • Maintain a clean driving record: Avoiding accidents and traffic violations keeps your record clean, which can help lower insurance costs.
  • Choose your vehicle wisely: When shopping for a new car, the type of vehicle you drive impacts your insurance rate. Cars with excellent safety records, low repair costs, and a lower risk of theft often come with reduced insurance rates.
Two women meeting at a table discussing cheap auto insurance.

Remember, insurance regulations and discount availability can vary. For more detailed information, speak with a Mercury agent or visit our resource center.

Discounts that help you lower your rate

Mercury can help you save money on auto insurance without sacrificing quality coverage. We offer some of the cheapest car insurance rates available, but you can lower your premiums even further by taking advantage of our discounts, including:

  • Anti-Theft Feature Discount: You may be eligible for a discount if your vehicle is equipped with qualified anti-theft devices.
  • Auto Pay Discount: You may receive a discount by setting up automatic payments for your insurance premiums.
  • E-Signature Discount: If you opt to sign your insurance documents electronically, Mercury may offer a discount.
  • Good Driver Discount: Maintaining a clean driving record free of accidents, traffic violations, and claims can qualify you for this discount.
  • Good Student Discount: Good students tend to be more responsible, which translates to safer driving habits. Students who maintain good grades may be eligible for a discount.
  • Multi-Car Discount: If you have a family or own more than one car, insuring multiple vehicles with Mercury can lead to discounts.
  • Multi-Policy Discount: Bundling home and auto not only simplifies your insurance management but also makes you eligible for reduced rates.
  • Pay in Full Discount: If you pay your entire premium at once rather than in monthly installments, Mercury might offer a discount.

What Are You Buying? How Much Do You Need?

Nearly every state requires drivers to have auto liability insurance, and each state sets minimum liability coverage limits. This is critical as it covers you if you’re at fault in an accident, helping you to avoid fines and penalties. The two main components of this insurance are:

Bodily Injury (BI)

This coverage helps pay for injuries to other people resulting from an accident where you’re legally at fault. This can include medical expenses, lost wages, and legal fees if you're sued.

Property Damage (PD)

This coverage covers damage to someone else's property caused by your vehicle. This typically means damage to someone else's car, but it can also include damage to structures like fences or buildings.

Additional Protections

Beyond the basic requirements, there are several additional insurance coverages to consider. These options extend beyond the state's minimum requirements, offering more comprehensive protection for you and your vehicle against unforeseen incidents. Learn about auto coverage options.

States where Mercury operates Min. for bodily injury 
(One person)
Min. for bodily injury 
(all involved)
Min. for property damage
AZ $25K $50K $15K
CA $15K $30K $5K
FL $10K $20K $10K
GA $25K $50K $25K
IL $25K $50K $20K
NV $25K $50K $20K
NJ $25K $50K $25K
NY $25K $50K $10K
OK $25K $50K $25K
TX $30K $60K $25K
VA $30K $60K $20K

2024 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 who switch to Mercury save an average of $3882.

Allstate $543
Esurance $340
Farmers $774
Geico $210
Liberty Mutual $109
Nationwide $594
State Farm $414
Travelers $116

2Savings info. based on 2021 CA Department of Insurance rate comparison 255B. Individual savings may vary.

1Discounts and coverages may vary by state.