Nearest Office:

Cheap car insurance quotes with Insurance Navy

We're the fastest-growing insurance agency for cheap car insurance. Get paired with a personalized policy that suits your budget for free today with Insurance Navy™.

character smiling thumbs up

Our car insurance quotes are fast & easy!

​​​​​​We'll provide you with a free, no-obligation car insurance quote in two minutes. There's no need to talk with a representative since the quoting process is simple, fast, and entirely online. Enter your ZIP Code to start your quote.

We understand that you may require auto insurance right now. We'll provide proof of coverage as soon as you purchase your policy. With a simple, hassle-free online quote from Insurance Navy, there is no easier way to find cheap car insurance quotes.

Woman gets a quote online using her phone.

Get an instant car insurance quote online

If you're looking for cheap car insurance quotes, you've found the right company! We understand how time-consuming it is to search for car insurance quotes online and enjoy providing them quickly and easily.

We provide you with the coverage you need at the lowest price.

Car Insurance Quotes are only a Click Away. Get your Quote Online Today!

Get an Instant Car Insurance Quote Online
Arrow Icon
Man drives his car with his children in booster seats

Cheap car insurance quotes in under 2 minutes

Two Minutes is all it takes to receive a cheap car insurance quote from Insurance Navy.

Just enter your ZIP code and let our car insurance comparison tool do the rest of the work, finding the cheapest rates.

The quality service continues after your quote. We proudly use a customer-orientated approach.

We've grown into one of the largest insurance agencies by helping drivers receive the cheapest car insurance quotes they need at a low cost.

Even drivers with a bad driving history can get a cheap car insurance quote. Anyone can get insured when they choose an affordable car insurance policy with us.

Get an Instant Car Insurance Quote Online
Right Arrow Icon Click to Get Quotes
2 minutes clock face icon - Only two minutes for your quote

Why choose Insurance Navy for Cheap car insurance?

Reliable Coverage Icon

Car Insurance with Reliable Coverage

Millions of people know that Insurance Navy is a company they can rely on and trust for the cheapest car insurance.

After you get your free car insurance quote online, we are here to help you every step of the way toward getting your vehicle insured instantly.

Enter your ZIP code to find the cheapest auto insurance rates.

Cheapest Rates Icon

Cheapest Rates

Many drivers, even those high-risk to insure, pick Insurance Navy because our affordable car insurance and premiums fit perfectly in their budgets.

Payment plans for your policy are readily available, and you will receive excellent customer service regardless of your driving history.

Easy to Use Mobile App Icon

Easy to Use Mobile App

Download our mobile app on any smartphone. We proudly offer the option of paperless billing regarding your monthly payments and scheduling your payment dates or plans.

We're also highly flexible with our payment methods and accept cash, credit, or debit cards. You can also manage your policy via our Mobile App anytime or anywhere.

Get your Cheap car insurance quote online today and get back on the road with Insurance Navy.

Get a Free Online Car Insurance Quote Now
Right Arrow Icon

Customer reviews from our Loyal Customers

avatar-claim
Jake Jackson
quote

Look no further for low-cost car insurance! Insurance Navy was our answer! Alejandra was a gem! She was so professional and very patient with all my questions. I was so happy I came here!

stars-fill stars-fill stars-fill stars-fill stars-fill
blue
avatar-claim
Flor Diaz 3 mins ago
quote

Great customer service from Rosie she was able to help get my 2 vehicles insured within minutes and low rates plus offered roadside assistance. Been coming here for a while now, in-person or over the phone, she’s been a gate help.

stars-fill stars-fill stars-fill stars-fill stars-fill
blue
avatar-claim
Jaqueline Diaz 8 months Ago
quote

I have been coming to this location for many years. The price for full coverage is unbeatable - and the customer service is great! I highly suggest you ask for Linda, she is so sweet , fast , and informative.

stars-fill stars-fill stars-fill stars-fill stars-fill
blue
avatar-claim
Coraima Chapa 2 weeks ago
quote

I’m very pleased with their customer service. Brenda is super attentive and was able to answer all my questions. recommend 100%

stars-fill stars-fill stars-fill stars-fill stars-fill
blue
avatar-claim
Rene Torres 1 Year ago
quote

I had such a great experience quoting online. I got a response in 1 minute literally 1 minute I was just looking forward to issuing the policy myself but as soon as she mentioned she could find me something more affordable I continued with her and glad I did !!! Thank you Silvia

stars-fill stars-fill stars-fill stars-fill stars-fill
blue
avatar-claim
Saul Juarez 7 days ago
quote

Thanks to Michelle, very professional. Always takes care of her customers. Got me a really good monthly price on my car insurance! Definitely recommend!!!

stars-fill stars-fill stars-fill stars-fill stars-fill
blue
avatar-claim
Rami Laila 4 months ago
quote

I was at State farm before i switched over to Insurance Navy. I didn’t believe the hype till I realized how much money i saved for the same great coverage. Linda Kawash was very helpful in making sure i got the best priced quote possible. Thank you!

stars-fill stars-fill stars-fill stars-fill stars-fill
blue
Right Arrow Icon

Individual experiences may vary.

What Kind of Car Insurance Policies Are Provided by Insurance Navy

While auto insurance rates can vary significantly among providers, exploring and comparing quotes from different companies is essential to finding affordable car insurance with a provider you can trust.

Everything from your zip code, credit history, having a clean driving record, a teen driver, or a fault accident on your driving record or insurance policy can significantly influence your insurance costs, and you may need to find cheaper car insurance options.

At Insurance Navy, we streamline the process of exploring insurance policies so you get the coverage you need at an insurance rate you can afford. Cheap auto insurance doesn’t mean you have to compromise on coverage options; we provide:

Liability Insurance

Liability Car Insurance offers financial protection to individuals or entities by covering costs related to claims made for injuries or damages you have caused to others or their property. This coverage includes paying for legal defense, medical bills, and reparations for damages, ensuring you do not bear these expenses out of pocket.

Liability Plus (UMPD)

Uninsured Motorist Property Damage (UMPD) serves as an optional insurance add-on designed to cover the cost of repairs to your vehicle in the event of an accident where the other driver is at fault, does not have insurance, and is identified, ensuring you're not left covering auto repair expenses on your own.

Collision Coverage

Collision coverage is an insurance option that pays for the repair or replacement of your vehicle in the event it's damaged during an accident, whether it involves another vehicle or a stationary object, such as a fence or tree. This type of coverage ensures the costs associated with fixing or replacing your car are not a financial burden.

Comprehensive Insurance

Comprehensive coverage is an insurance option that pays for the repair or replacement of your vehicle in cases of damage from non-collision incidents, such as theft, vandalism, or natural disasters. If you're leasing or financing your car, it's important to check your agreement, as both comprehensive and collision insurance may be mandatory to meet the terms of your auto lease or loan.

Medical Payments

Medical Payments coverage provides financial assistance for medical expenses incurred by you and your passengers following a car accident. This coverage is applied regardless of who is at fault, ensuring that medical costs are addressed without the need to establish liability first.

Towing Coverage

Towing and Labor coverage compensates you for a predetermined amount, covering the expenses of towing your vehicle to a repair facility and for labor costs incurred at the site of the breakdown. This ensures financial support for immediate assistance services in case of vehicle malfunctions or accidents that could leave you stranded.

Rental Reimbursement

Rental reimbursement coverage covers the cost of a rental car while your vehicle is being repaired due to damage from an accident, regardless of who was at fault. This feature ensures you maintain mobility during the repair period.

SR-22 Insurance

Have a traffic violation or DUI on your driving record? We offer Cheap SR22 Insurance coverage and same-day SR-22 filing, ensuring legal compliance and support in maintaining your driving privileges.

Motorcycle Insurance

Ride in confidence with Affordable Motorcycle Insurance and insurance for three-wheeled vehicles licensed for public roads. We provide coverage that ensures you ride confidently, knowing you're protected financially in case of accidents or damages.

Commercial Auto

Protect your business or rideshare operation by opting for Commercial Auto Insurance, specifically designed to provide essential liability coverage along with various add-ons for comprehensive protection. This tailored insurance ensures that your vehicles are fully safeguarded against a wide range of potential risks.

Rideshare Insurance

If your personal car doubles as your business vehicle, ensure you’re protected with an add-on Rideshare insurance policy that provides coverage gaps for using your personal vehicle for ridesharing services. This specialized insurance ensures that you remain fully protected from any potential risks unique to ridesharing.

Frequently Asked Questions

How Can I Find Cheap Car Insurance?

Chevron down icon

To find cheap car insurance quotes:

  1. Start by comparing rates.
  2. Gather quotes from multiple auto insurance companies and compare their premiums, coverages, and customer reviews.
  3. Utilize online comparison tools for a broad market overview.
  4. Consider factors like the type of coverage you need, potential discounts for which you qualify, and your willingness to accept a higher deductible.
  5. Remember, the cheapest option may not always offer the best value, so evaluate the balance between cost and coverage quality.

What Factors Affect the Cost of Car Insurance?

Toggle Icon

Several factors affect the cost of car insurance, including the driver's age, driving history, and location. The type of vehicle insured also plays a significant role; for instance, cars with higher safety ratings usually cost less to insure.

Other factors include the level of coverage selected, credit history, and the driver's annual mileage. Insurance companies also consider the likelihood of theft or accidents in the area where the vehicle is usually parked.

Are There Any Discounts Available for Car Insurance?

Toggle Icon

Yes, numerous discounts are available for car insurance for more affordable rates. These car insurance discounts include safe driver discounts for those with clean driving records, multi-policy discounts for bundling different insurance types, and discounts for vehicle safety features, such as anti-lock brakes and airbags.

Other typical car insurance discounts are for low mileage, good student performance, and completion of defensive driving courses.

Can I Get Cheap Car Insurance with a Poor Credit Score?

Toggle Icon

Getting cheap car insurance with a poor credit score can be challenging but possible. While many insurers use credit scores to determine premiums, some states prohibit this practice.

Shop around and compare offers from different insurers, as their criteria for deciding rates can vary. Also, look for insurers specializing in high-risk profiles or consider increasing your deductible to lower the premium.

What are the Minimum Coverage Requirements for Cheap Car Insurance?

Toggle Icon

The minimum coverage requirements for cheap car insurance vary by state but typically include liability coverage, which pays for bodily injury and property damage to others in an accident you cause.

Some states also require coverage for uninsured/underinsured motorists and personal injury protection (PIP). It's important to remember that minimum coverage provides limited protection, and it's often advisable to purchase higher limits for better security.

How Does My Driving Record Impact the Cost of Car Insurance?

Toggle Icon

Your driving record significantly impacts car insurance costs. A clean driving record with no accidents or traffic violations typically lowers premiums.

Conversely, a history of accidents, speeding tickets, or DUIs categorizes you as a high-risk driver, resulting in higher insurance rates. Maintaining a safe driving record over time can help reduce your insurance costs.

Are There Specific Cars That are Cheaper to Insure?

Toggle Icon

Yes, there are specific cars that are generally cheaper to insure. Vehicles with good safety records, lower repair costs, and less likelihood of theft typically have lower insurance rates.

Family-oriented vehicles like sedans and minivans often cost less to insure than sports cars or high-end luxury cars. Before purchasing a vehicle, consider checking its insurance rates.

Can I Get Cheap Car Insurance as a Young or New Driver?

Toggle Icon

Young or new drivers typically face higher insurance rates due to their lack of driving experience. However, there are ways to obtain cheaper insurance for teen drivers, such as being added to a parent's policy, qualifying for good student discounts, or taking a driver's education course.

Driving a car that is cheaper to insure and maintaining a clean driving record can also help reduce rates over time.

What Steps Can I Take to Get a Cheaper Car Insurance Rate?

Toggle Icon

To lower your car insurance premium, consider increasing your deductible, maintaining a clean driving record, and qualifying for various discounts. Regularly review and adjust your coverage to suit your current needs.

Driving a less expensive vehicle to insure and improving your credit score can also lead to lower premiums. Consider usage-based insurance programs if you're a safe driver with low annual mileage.

Are there Online Tools to Compare Prices for Cheap Car Insurance?

Toggle Icon

Various online tools and websites allow you to compare prices for cheap car insurance. These platforms provide quotes from multiple insurers based on your information, such as your driving history, vehicle details, and desired coverage.

Utilizing these tools helps you gain a comprehensive market view, enabling informed decisions based on price and coverage comparisons.

Read More About How to Buy Car Insurance
arrow-icon
*This product may not be available in every state, please call an insurance agent for more information on coverage in your state.

Get a Free Online Car insurance quote in 2 minutes or less!

arrow_select