0 Down Car Insurance
Are you searching for zero down car insurance? If you meet some basic requirements, you can qualify for it
Company Trusted For Over 25+ Years
Secured with SHA-256
Encryption
Are you searching for 0 down car insurance? If you meet some basic requirements, you can qualify for it. However, if your driving record reflects a bad driving history, such as DUIs, reckless driving, or speeding tickets, you might not qualify for this type of policy. You will need to pay a larger deposit amount in this scenario and increased premiums.

States Where $0 Down Payment Car Insurance is Legal
It’s important to note that not every state legally allows insurers to offer 0 down auto insurance policies. The good news is several states do allow it. This includes the largest state in the U.S. California, with almost 40 million residents. California has more insurers than any other state, including those, where making an upfront payment for car insurance is mandatory.
States that offer 0 down car insurance deals include California, Florida, Arizona, Georgia, New York, Oklahoma, and Washington State. The best way to find these deals is to compare side-by-side rates and deposit requirements where you live.
However, if you don’t reside in one of these select states, then there are other options you can take advantage of. This includes providers that offer low-cost coverage from just $20 down or first month free car insurance deals. This is an amount that fits into almost anyone’s budget and helps those drivers low on funds legally get insured without a big deposit.
Insurers that Offer Auto Insurance with Zero Down
Multiple national insurers offer the above policies. These include:
- Allstate
- Progressive
- State Farm
- Safe Auto
- Kemper
There are direct insurers like Progressive that allow you to buy 0 down auto insurance in minutes. In fact, you can even use your smartphone to buy a policy online, or any device connected to the internet. You can compare online rates all in only thirty minutes or less. Enter your zip code to compare the best available rates.
Not Everyone Will Qualify for 0 Down car Insurance
As stated previously, not all motorists will qualify for these deals. The truth is most won’t. Besides a person’s driving record, there are other factors that might prevent someone from getting auto insurance 0 down payment. This includes something that many people never think of, credit score.
Auto insurers are placing more emphasis on a person’s credit rating in recent years. There is a lot of data that shows a person’s credit score correlates to risk. The lower the credit score is, the more often a driver files a claim, or engages in insurance fraud. Those drivers with higher scores, above 750 for example, get in far fewer accidents and don’t engage in much insurance fraud.
Citizens Insurance Comparison
Company Trusted For Over 25+ Years*
Keep your credit score above 650 and get 0 down car insurance. Other important factors include a driver’s age, vehicle, and driving record. These will all influence not only premiums but the initial deposit required to get covered.
One piece of advice to get zero down auto insurance is to obey all traffic laws. This includes common traffic laws like speeding, yielding to pedestrians, and running red lights. The better your driving record is, the lower your auto insurance will be in most cases. You also want to stay away from new, expensive vehicles that will not only cost you more to insure but will require a larger upfront deposit.
Compare the Best Rates and Lowest Deposit Plans Online
To get the cheapest insurance possible and 0 down car insurance, you are going to need to compare multiple rates online. With one application, you can compare rates from national and regional carriers. This includes well-known companies like State Farm and Progressive to regional carriers like Erie Insurance.
To get started comparing rates, enter your zip code below.
0 Down Car Insurance
Company Trusted For Over 25+ Years
Secured with SHA-256 Encryption