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Monthly Car Insurance with Low or No Down Payment

Money pinned to a calendar with a due date

Buy monthly auto insurance and pay only the 1st month down without having to pay for 6 months or more up front. Find a policy with no down or a low down payment and pay month to month to continue the coverage.

How much does auto insurance cost per month?

The price for coverage varies for each driver. Find out how much it costs for you by entering your ZIP code and hitting "Go" to get quotes:

  • ZIP Code:
currently insured: yes no

What is monthly insurance? - It's a policy where the premium can be paid in monthly payments with a 30-day installment plan. Policyholders can choose to make payments every month as long as they want to keep their policies in force. Although policy terms may be 3, 6 or even 12 months, payment options are offered based on personal preference.

For free, one can compare auto insurance quotes from a variety of companies that offer lower payments through monthly billing cycles. allows visitors to compare rates and find a policy with a low down payment and the cheapest monthly payments for those with of restricted budgets. Keep in mind, however, that the more premium paid up front, the cheaper it comes out to be, because billing fees are reduced. For example, if you decide to pay annually, you may avoid billing fees altogether, which can be in the area of $10 per month.

Low (cheapest) or no down payment for car insurance:

Symbol of no money

Complete rate comparisons and choose the cheapest car insurance with a low down payment for the coverage desired. offers visitors the ability to compare quotes on policies through a variety of carriers with cheap down payments. For practically no down (only the 1st month), a policy can be purchased for instant proof of coverage.

Visitors are also welcome to visit the learning center for more tips on how to reduce the cost of coverage and to see how a policy can be started with only a low, one-month down. There may be no down payment required of a large amount, since fees are reduced to help keep protection affordable for those in need.

More answers to frequently asked auto insurance questions are available for information and educational purposes.

Questions about Paying Car Insurance Monthly

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  • Is Car Insurance Tax Deductible?

    Variations of text reflecting taxesPremiums paid for auto insurance can be tax deductible, but this generally applies only if the policy covered a car or truck that was used for business purposes. Auto insurance for personal vehicle use typically cannot be deducted from...

  • Can Driving Courses Help Me Avoid Car Insurance Surcharges?

    Drawing of a car on a chalkboardCompleting a driving course could help prevent a policyholder from receiving a rate increase that would come from a conviction for a traffic infraction. If the course does not prevent an auto insurance surcharge, it could provide a discount that can...

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    February 10, 2014 - Several state insurance regulators recently reported on funds recovered in 2013 for consumers who had complaints and disputes with their coverage providers. According to figures provided by regulators in California, Ohio, Georgia, North Carolina and Maine, a total of more than $125 million in funds from those states were recovered ...

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    January 10, 2014 - Here is a roundup of this week's biggest headline-grabbing crime yarns. This week, a couple stories about fakeness: supposed Michigan auto insurance policies sold to drivers turn out to be bogus and Facebook eventually outing a family-related sham crash. Plus, Texas authorities tack on an extra charge of insurance fraud in a drug investigation...

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Resources for Buying Monthly Insurance