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No-Down-Payment Car Insurance (Compare Quotes)

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

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Jun 23, 2021

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Key Takeaways

  • A no-down-payment insurance policy will cost less money upfront
  • You will only pay the first month’s premium with no-down-payment auto insurance
  • If you don’t have a large lump sum of money, no-down-payment car insurance may be the way to go

No-down-payment car insurance doesn’t mean you can start a policy with no money down. It means that you won’t have to pay more than the monthly installment fee to get started.

Cheap car insurance is a hot commodity. When you don’t have a large sum of money to put down, finding other ways to save is imperative. With discounts, no-down payments, and structured policies, you can easily make your car insurance work with your budget.

To find affordable no-down-payment car insurance quotes, enter your ZIP code here and compare rates from top insurers.

What are the most affordable no-down-payment insurance companies?

Before looking for a no-down-payment car insurance company, you need to make sure it is an option in your state. The states where you can find policies with little to no down payment are:

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

If you live in one of these states and you meet the proper criteria, most car insurance companies will have an option for no down payment car insurance.

Starting by looking over GEICO and Progressive insurance reviews is smart. These two companies are known for great starting rates.

Free Auto Insurance Comparison

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

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Is a no-down-payment car insurance policy the best way to save money?

Realistically, your no-down-payment car insurance rates are not going to be any cheaper. You won’t have to have as much money upfront. So, this may not be the best way to save on your out-of-pocket costs.

Taking advantage of things like a safe driver discount or low mileage car insurance discount can help you save a lot of money. Most car insurance companies offer a plethora of discounts to make things more affordable.

Here is a look at how much discounts can save you on average:

Annual Car Insurance Discount Savings
DiscountAnnual Savings
5-yr Accident Free$108
5-yr Claim Free$92
Advance Quote$72
Online Quote$101
Paid in Full/EFT$68
Total Discounts$610
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As you can see, discounts can save you a ton of money over the course of a year. It is likely they will be able to save you more than a no-down-payment car insurance policy. However, you can always check with your insurance company to see if you qualify for both.

When you are ready to buy no-down-payment car insurance, enter your ZIP code and compare quotes for the best starting rates.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

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