Updated: December 4, 2025
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Car insurance under $50 usually means minimum coverage that meets legal requirements but doesn’t cover your own car.
GEICO and USAA offer some of the cheapest minimum coverage options, averaging between $28 and $43 per month.
Shopping around, maintaining good credit and applying discounts can help you find affordable car insurance for less than $50.
Yes, several major insurers offer car insurance for $50 or less per month, though these plans usually meet only your state’s minimum legal requirements.
These averages are based on a 40-year-old male driver with a clean record and minimum coverage requirements.
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 vary by 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.
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:Â 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.
Minimum coverage typically includes bodily injury liability and property damage liability.
However, requirements vary by state. Some also mandate personal injury protection (PIP) or uninsured/underinsured motorist coverage.
Minimum coverage satisfies legal requirements but doesn’t pay for damage to your own car.
Full coverage adds comprehensive and collision protection, which cover your car if it’s damaged or stolen.
If your car is older or has a low market value, minimum coverage may be enough. But if you’re financing a newer vehicle, full coverage helps protect your financial investment.
If your car is older or has a low actual cash value (ACV), minimum coverage may be enough. For newer cars, consider full coverage to protect your investment.
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. This means 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 makes sure you get the cheapest car insurance rates. Compare several quotes to determine when to switch to another car insurance carrier.
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:
Dec 18, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 |  Capital Insurance Group | 94 /of 100 | $87 |
| 2 |  GEICO | 82 /of 100 | $109 |
| 3 |  State Farm | 83 /of 100 | $118 |
| 4 |  Travelers | 83 /of 100 | $129 |
| 5 |  Progressive | 79 /of 100 | $133 |
| 6 |  Farmers | 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 is possible if you choose minimum coverage and compare rates from several insurers. GEICO and USAA often deliver the lowest monthly costs, while discounts, good credit and safe driving can further reduce premiums, helping you stay insured and compliant without overspending.
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 if you choose minimum coverage. Rates from this page show USAA at $28 and GEICO at $43 for clean-record drivers. Your rate depends on your state’s coverage requirements, driving history and vehicle type.
Many major car insurance companies offer car insurance under $50. Based on MoneyGeek’s analysis, USAA, GEICO, National General and Travelers offer the lowest minimum coverage rates under $50. These averages reflect a 40-year-old driver with a clean record. Actual rates vary by state, driving record and available discounts.
To get your car insurance under $50, keep a clean record, raise deductibles and ask about safe-driver, bundling or low-mileage discounts. Compare quotes regularly to stay below $50 while maintaining the minimum coverage required in your state.
Your driving record, credit score, age, location and car type influence rates most. Coverage level, deductibles and discounts also matter. Maintaining good credit and safe driving habits helps you secure lower monthly premiums for your minimum coverage policy.
Minimum coverage meets legal requirements and suits older or low-value cars you can replace yourself. It doesn’t pay for your vehicle’s damage or theft, so consider your car’s value and repair costs when deciding if minimum coverage fits your needs.
Full coverage includes comprehensive and collision protection, raising premiums above $50 monthly. Because it covers your car’s damage, it’s pricier than liability-only plans. Only minimum coverage policies usually qualify for car insurance under $50.
High-risk drivers with tickets or accidents typically pay more than $50 monthly. Completing defensive driving courses and comparing quotes can help reduce costs. A clean record for three to five years often restores eligibility for cheaper minimum coverage rates.
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
Using data from Quadrant Information Services and state insurance departments, we analyzed 83,056 quotes from 46 companies in 473 ZIP codes. Â
Our Sample Driver Profile
We used a baseline profile that represents many budget-focused shoppers:
From this profile, 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.
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 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
