Is there any way to pay less than $200 a month for car insurance?

My budget is so tight right now. Is there any way to pay less than $200 a month for car insurance?

Sophie Newman · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
While there’s no way to guarantee you’ll get a certain car insurance rate, there are things you can do to try to get the lowest rate possible—and many people do pay less than $200 a month for car insurance. Car insurance companies base their premiums on highly individual factors, like your:
  • Credit score
  • Driving record
  • Age
  • Type of car you drive
  • Zip code You can’t control your age or zip code, but you can try to raise your credit score, avoid driving violations, and choose a non-luxury vehicle to keep your insurance rates down. From there, each company uses its own calculations to determine your rate. Different companies may charge you different rates for the same coverage! This makes it super important to get quotes from at least 3-5 insurance companies before buying a policy.
    can do all the work for you to identify where you’ll get the best rate. MORE:
    How to lower your car insurance premiums
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