Can I buy cheap auto insurance with no down payment?

In some states, you can buy cheap auto insurance from well-known companies without a down payment. Compare rates online and save up to $859.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Mar 22, 2022

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Things to Remember...

  • Having insurance is a legal requirement for driving, the same as a driver’s license
  • No down payment insurance makes getting insurance cheaper and simpler
  • Buying an auto insurance policy ensures you are protected in case of an accident

Have you ever wondered if you can buy affordable car insurance with no down payment?

In some states, it is possible to buy auto insurance from well-known companies without a down payment.

With this research, you will be able to make the smart decision when buying car insurance.

Enter your ZIP code into our FREE auto insurance comparison tool to get free quotes now!

States Where You Can Buy Cheap Car Insurance Without a Down Payment

You may have to do some auto insurance comparison shopping to determine if you can buy cheap insurance without a down payment in your state.

California has the most insurance companies that provide car insurance without a down payment. Some of the other states that provide this option include:

  • Arizona
  • New York
  • Washington State
  • Florida
  • Oklahoma
  • Georgia

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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How to Find the Deals

One of the best ways to find cheap car insurance with no required down payment is to shop online.

If you shop locally, the agent may not always have access to real-time information and instant comparisons based on a number of different factors.

Online websites offer all the information necessary about car insurance. Most of the time, you will just need to enter your ZIP code to get a list of car insurance companies in your state.

Depending on the site, you may also be asked to share information about your driving history, your car, and how much coverage you want.

When you are doing comparison shopping online, don’t think the only good deals out there are offered by large, well-known companies.

You might be surprised at how good a deal a small, local insurance company might offer.

How Cheap Car Insurance with No Down Payment Works

The no down payment option is usually offered to middle-class families that can’t afford an expensive down payment.

Those who buy insurance usually have several options for making payments:

  • Annual payments
  • Monthly payments
  • Payments every three months
  • Payments every six months
  • Payments every year-and-a-half

By paying annually, however, consumers can avoid a service fee of up to $10 monthly they might pay otherwise.

What Cheap Car Insurance Provides

Many companies often provide just liability and property coverage to protect you if someone else’s car is damaged or someone is injured.

Often this is enough to meet the minimum legal requirements.

Some car insurance companies provide a little more coverage. Do comparison shopping online to see which companies have the best policy.

Some people can only afford the basic insurance required by law.

If you are at fault in an accident and have only liability and property coverage to pay for the other person’s car, you must pay for your own medical expenses you have and your car repair bills.

If you are not at fault in an accident, your insurance will not be charged.

Each state has its own requirements as far as car insurance.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Ask Different Companies about Discounts

Many companies offer different discounts for car insurance.

You may have to ask about them to get them, however, so research what discounts you could be getting!

One type of discount that is often offered is a bundle, or umbrella, deal. If you have life insurance, home insurance, and car insurance through the same company, you may pay less.

If you don’t drive very much, you may get a good discount.

If you have students in your family and they are on your policy, you may get a discount if they get good grades.

Your Credit History May Affect the Price of Your Insurance

At one time, credit history did not have much bearing on how much a driver paid for car insurance.

Now, however, most car companies will check your credit score. Expect to pay less if your credit history is good.

If you work to improve your credit history, you should check again about getting better rates.

You can get a copy of your credit report annually, and your car insurance rates should improve as this improves.

No Down Payment Insurance Can Benefit You

In most cases, no down payment insurance does not have higher premiums, so it would be to your advantage to get it if it is available in your state.

You can get no down payment insurance in many states from well-known companies.

Once you know the requirements for your state and the companies that make no down payment auto insurance available, compare quotes with our auto insurance comparison tool.

Just enter your ZIP code now!

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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