Updated: July 10, 2025
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Along with GEICO and USAA, National General and Travelers offer under-$50 car insurance policies.
Car insurance for $50 or less per month usually includes state minimum liability coverage only, which doesn't cover damage to your own vehicle.
Depending on where you live, cheap car insurance under $50 can be as low as $13. Shopping around, maximizing discounts and raising deductibles can help you save money.
Many major national insurance companies offer car insurance under $50 per month. These low rates often provide basic coverage that meets your state's legal requirements.
Based on average rates, USAA is the most affordable option at $28 per month. However, its insurance products are only available to U.S. military members, veterans, their spouses and children. For most drivers, GEICO is the cheapest at $43.
Aside from USAA and GEICO, other companies also offer $50 a month car insurance policies. Use the table below to compare average monthly rates for minimum coverage car insurance from different companies.
| USAA | $28 |
| Geico | $43 |
| National General | $48 |
| Travelers | $50 |
*NOTE: The average driver rates above are based on a 40-year-old male with a clean driving record and no traffic violations or claims. Sample pricing is for minimum coverage.
Car insurance costs differ based on your location due to state insurance requirements, local risk factors and market competition. Some states offer lower baseline rates that make under-$50 coverage more achievable.
Availability varies by state. Regional and local insurers often provide competitive alternatives to national carriers, especially in states with strong regional markets. Find your state below for companies offering $50 a month car insurance policies in your area.
| AIG | $22 |
| Cincinnati Insurance | $25 |
| Auto Owners | $44 |
| Geico | $44 |
| Travelers | $48 |
**NOTE: The average driver rates above are based on a 40-year-old male with a clean driving record and no traffic violations or claims. Sample pricing is for minimum coverage.
Most car insurance under $50 represents minimum coverage, the bare minimum your state requires to drive legally. This cheap car insurance covers basic liability for damage you cause to others, and depending on your state, may include personal injury protection (PIP) or uninsured motorist coverage. It doesn't include comprehensive or collision coverage for your own vehicle. You'll pay out-of-pocket for car repairs, theft or weather damage.
Full coverage adds comprehensive and collision coverage to your minimum coverage policy, but usually pushes costs well beyond the $50 range. While you'll pay more monthly, full coverage protects your financial investment in your vehicle.
Getting car insurance under $50 requires smart coverage choices, discount maximization and careful comparison shopping. Maintaining good credit and a clean driving record can also help you get the cheapest car insurance rates available in your state.
Most insurance companies offer car insurance discounts, but the types and savings vary by carrier. To find the best deals, ask each insurer what discounts it offers. Apply all the discounts you're eligible for to maximize your savings.
Consider bundling your auto insurance with homeowners or renters insurance, maintaining a clean driving record for safe driver discounts, completing a defensive driving course and asking about low-mileage discounts if you drive fewer than 7,500 miles annually.
Increasing your comprehensive and collision deductibles saves on car insurance. This decreases your premium, but you'll pay more out of pocket if you file a claim. Make sure you can afford the higher cost of getting your car fixed.
Driving a used car can lead to insurance savings. Pre-owned vehicles are cheaper to buy and cheaper to insure. You can save by getting state minimum coverage since the car's actual cash value (ACV) is much less than a newer car.
Cars with excellent safety ratings, lower repair costs and less theft potential have lower insurance costs. Sports cars and luxury vehicles generally cost more to insure.
If you drive less than 8,000 miles per year, you could save with pay-per-mile car insurance. With this policy, you only pay for the miles you drive. The less you drive, the more you save. If you work from home or attend school online, you could save the most with pay-per-mile coverage.
A minimum coverage policy offers the most savings. This policy works best for cheap cars with a low ACV. However, this option leaves you underinsured if you cause an accident, meaning you could be held financially responsible if your liability coverage isn't enough to pay for someone else's injuries or property damage.
If you have an older car or one that’s not worth much, carrying full coverage doesn't make sense. Knowing when to drop collision or comprehensive coverage can help you avoid wasting money on full coverage car insurance.
In most states, insurance companies use credit scores to help determine rates. Paying bills on time and reducing debt can improve your score and lower your premiums over time.
Shopping around at every renewal ensures you get the cheapest car insurance rates. Compare several quotes to determine when to switch to another car insurance carrier. Each company has different rates, so regularly shopping for quotes helps you find the best option.
The best way to find $50 car insurance is to get quotes from the cheapest car insurance companies first. Compare these quotes to rates from the best car insurance companies to see which option offers the most value for your needs. Free tools like the one below can help.
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Jul 11, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 |  Capital Insurance Group | 94 /of 100 | $87 |
| 2 |  GEICO | 82 /of 100 | $109 |
| 3 | 83 /of 100 | $118 | |
| 4 | 83 /of 100 | $129 | |
| 5 | 79 /of 100 | $133 | |
| 6 | 77 /of 100 | $151 |
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Finding car insurance under $50 per month requires minimum coverage limits. GEICO, National General and Travelers are among the cheapest providers. USAA is another cheap option for military families, with an average monthly rate of $28.
While these under-50-dollar car insurance policies meet legal requirements, they don't cover damage to your own vehicle. You're choosing legal compliance over comprehensive financial protection when you select car insurance under $50.
To secure the lowest rate, shop around, maximize discounts and consider alternative options like pay-per-mile insurance. Regularly comparing quotes every six months ensures you're always getting the best price for $50 car insurance.
Finding car insurance for $50 or less is possible. Here are answers to common questions about $50 car insurance.
Yes, it’s possible to find car insurance under $50. It depends on your coverage choices, state requirements and the type of vehicle you drive. Your driving record, age and claims history also factor into your rates. Most $50 car insurance policies provide minimum coverage, not full coverage.
Many major car insurance companies offer car insurance under $50. Depending on your state, you may also find rates as low as $13 per month. Shopping around and comparing quotes can help you find the best coverage for the lowest price in your state.
To get your car insurance under $50, you should ideally have a clean driving record and claims history. Always ask about all available discounts and consider whether full coverage is something you need. State minimum liability-only insurance can make you underinsured and legally liable in an at-fault accident.
Your driving record, age, location and credit score (where allowed) have the biggest impact on car insurance rates. The type of vehicle you drive, coverage levels you choose, and available discounts also affect your premium costs.
Minimum coverage is worth it if you drive an older, low-value vehicle and can afford to replace it out of pocket. However, it leaves you financially exposed for your own vehicle damage, theft or comprehensive losses. Consider your car's value and your financial situation when deciding.
Full coverage car insurance for $50 is rare. Full coverage includes comprehensive and collision protection, which increases premiums beyond the $50 range. Most $50 policies offer minimum coverage only. Check specific offers from different insurers and ask about discounts that could lower your rates.
Yes, but it's much more difficult. A ticket, at-fault accident or DUI on your record will increase your car insurance cost because your driver profile is riskier for the insurance company.
Our Research Approach
Finding car insurance under $50 monthly sounds too good to be true, and for most drivers, it is. We designed this research to show you which drivers actually qualify for these ultra-low rates and what coverage trade-offs you'll face.
Why These Numbers Matter for Budget-Conscious Drivers
We gathered 83,056 quotes from 46 companies across 473 ZIP codes using data from Quadrant Information Services and state insurance departments. This wasn't just about finding the cheapest number on paper. We wanted to understand what "affordable" actually means when you're weighing real coverage against tight budgets.
Our Sample Driver Profile
We used a baseline profile that represents many budget-focused shoppers:
From this foundation, we adjusted age, location, vehicle type, driving history and credit scores to capture rate variations across different financial situations. This approach shows how small changes in your profile can dramatically impact whether sub-$50 rates are realistic.
Understanding "Minimum Coverage" in Our Data
When we reference minimum coverage rates, we refer to:
This excludes comprehensive and collision coverage, which explains why these rates appear lower than "full coverage" options. These limits exceed many state minimums but provide more meaningful financial protection than bare-bones policies.
What This Means for Your Search
Our methodology reveals that under-$50 rates usually require perfect driving records, excellent credit, older vehicles and minimal coverage. Understanding these constraints helps you set realistic expectations and focus your search on companies that consistently offer competitive rates for your specific situation.
Learn more about MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
