Cheap car insurance

Get affordable coverage without compromising on quality

Car with a money icon on tophero-cheap-car-insurance-mobile

Get insured

What are some of the risks of cheap car insurance?

Auto insurance rates and offers that seem too good to be true likely are. Dirt cheap car insurance costs can lead to the following risks:

  • Poor coverage selections

  • Unreliable customer service

  • Hidden fees

  • High deductibles

While looking for cheaper car insurance premiums is worthwhile, it’s crucial to also find a reputable car insurance company that can deliver quality coverage and dependable service.

Car with hand and money icon

Who typically has the cheapest auto insurance?

Finding the insurance company that offers cheap car insurance rates can take time and research. Your rates are based on several factors, including the coverages you select, your age, ZIP code, and driving history.

Comparing quotes from several insurance companies is a good way to make sure you get the right coverages for your vehicle at a price that works for you. Start by getting a free car insurance quote today.

What are some easy ways to get cheap car insurance?

Here are several actions you can take for both short- and long-term savings.

Purchase the minimum required insurance

Understanding the minimum insurance requirements in your state does more than help keep you legal and safe on the road. Purchasing the lowest form of car insurance you need helps you save money too.

More about minimum insurance coverage

Leverage short-term auto insurance savings today

As you choose an insurance provider and prepare to finalize your auto insurance policy, review your financial situation to figure out how and when you can pay—and how much:

Discover short-term savings tactics

Plan for long-term car insurance savings

These steps may not necessarily provide immediate savings, but over time, your long-term savings could be significant.

Learn about long-term savings tactics

Find the best car insurance for your circumstances

You want quality service, protection, and savings for your auto insurance. Here are some ways we help make getting cheap car insurance more convenient for drivers like you:

See what factors could affect insurance costs
Additional auto insurance coverages

Want more than cheap, minimum insurance coverage? We've got options that won't break the bank, even if you're considered a high-risk driver.

Our affordable car insurance coverage options—subject to state availability—include:

Can I get cheap “full coverage” car insurance?

There’s no standard definition of “full coverage” car insurance, so it’s important that you review each coverage offering and customize your policy to fit your budget and circumstances.

Need more information as you search for the cheapest car insurance rates? Call us at 888-344-4357 to speak to one of our knowledgeable licensed agents. They’ll help you get the information you need and can also provide a quote for affordable auto insurance.

Save more money with car insurance discounts

We offer multiple money-saving auto insurance discounts on our already affordable coverages to help you manage your budget. You could qualify for these discounts now:

Illustration of document with right arrow

If you’ve had coverage with another auto insurance provider for more than six months, you can receive this discount when you transfer to Dairyland. In some cases, we offer this discount even if you’ve had a short lapse in coverage.

Illustration of two automobiles

Need to insure more than one vehicle? This discount helps you save when you add another car to your policy.

Illustration of a home with a car parked in front

You can qualify for this discount if you own a home and can prove you’ve insured it. Even if you don’t own a home, ask us about discounts for people with renter’s insurance.

Keep in mind, these are just a few of the money-saving discounts we offer. We want you to have options so you can tailor your car insurance to meet your spending and coverage goals.

How to get a cheap car insurance quote

Getting a car insurance quote is easy. Simply click to quote and answer a few simple questions about:

Illustration of a man waving


Illustration of a person driving a car

Your vehicle

Illustration of a hand holding keys

Additional drivers

Close-up illustration of a car tire

Your driving history

Illustration of a shopping cart with tags for discounts and prices

Available discounts

Immediately after you submit your answers, your quote appears on your screen. If you prefer to talk to someone rather than getting an online quote, please call us at 888-344-4357.

Cheap car insurance FAQ

What type of coverage is the cheapest for car insurance?

Carrying only your state’s minimum coverage requirements can help keep you legal while only paying for the bare minimum amount of car insurance. All states with mandatory car insurance (except Florida) require bodily injury liability and property damage liability. Beyond that, your required coverages depend on your state. If you don’t own a car but want car insurance, a non-owner auto insurance policy may be a good way to save money.

How can I save money on car insurance?

Here are just some of the many ways you can reduce the cost of your car insurance:

With so many options to reduce your auto insurance rates, we know you may have questions. Contact us for answers.

Do car insurance quotes hurt my credit score?

No. Your credit history is only reviewed by car insurance companies to create your credit-based insurance score, so there won't be any hard inquiries that could affect your credit score. This new insurance score helps determine your car insurance rates. So, while getting an insurance quote won’t hurt your credit score, bad credit and payment history on your credit report may result in higher insurance rates.

How soon after buying a car do I need auto insurance?

The time frame you have—anywhere from zero to 30 days—can vary based on your current policy and where or how you purchase your new vehicle. For example, some dealerships require proof of insurance before you can buy a car. Preparation prior to your purchase can help you stay safe and legal on the road.

What damage does car insurance cover?

Car insurance liability coverages help with the costs you could incur for property damage and injuries to people if you’re at fault in an accident. Comprehensive coverage, meanwhile, can cover damages caused by theft, fire, or severe weather. And there are many more types of coverage to choose from. Because there are multiple types of insurance, it’s important to first learn your state’s minimum insurance requirements before determining additional coverages you might want. If you’ve got further questions, we're here to help you at 888-344-4357.

Dairyland auto insurance reviews

We want what’s best for our customers when it comes to auto insurance coverage, exceptional service, convenience, and affordability. See what real Dairyland customers are saying about their experience with us.

Illustration of heart
Drivers love Dairyland