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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

How much it costs to repair or replace your vehicle is factored into your rate and there are vehicles that are cheaper to insure than other cars or trucks. So, shopping for a new car doesn’t necessarily mean breaking the bank, however - some vehicles will even save car shoppers money on their auto insurance, as shown on the following top-10 lists.

We’ve developed four lists comprised of the cheapest cars or trucks to insure, to fit the needs of car shoppers in the market for a crossover or SUV, a minivan or sedan, a hybrid or all-electric vehicle, a vehicle for you or a teen. The lists were created based on Mercury’s price for full coverage - liability, comprehensive and collision. Other factors, such as a driver’s experience and accident history, can push the rate up or down, but were not included in any of the rate calculations. Each list begins with the cheapest vehicle to insure.

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

Common Ways to Reduce Your Auto 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.

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

Additional Protections

There are a variety of optional coverages you should consider that will protect you and your vehicle from unexpected events beyond state minimum requirements.

Collision Protection

Fixes damage to your vehicle caused by a covered accident, regardless of fault. This coverage only applies to your vehicle and no other property.

Comprehensive Coverage

Protects you in the event your vehicle is damaged due to something other than a collision, such as theft, vandalism, flood or fire.

Medical Payments Coverage

A supplemental coverage that can be added to an existing auto policy to help cover medical expenses arising from a covered accident.

Rental Car

Helps cover the cost of a car rental while your regular ride is out of commission due to a covered loss.

Personal Injury Protection (PIP)1

Helps pay for your medical costs, and other expenses, after a car collision regardless of who was at fault for the accident.

Uninsured/Underinsured Motorists Protection

Protects you and others in your vehicle injured as a result of an accident with an uninsured or underinsured at-fault driver

1Coverages may be subject to certain restrictions and limitations and may not be available in all states.

2018 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.