Zero Down Auto Insurance
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Looking for auto insurance without a hefty upfront deposit? Zero down auto insurance allows you to start coverage with just the first month’s premium, ideal for drivers on a tight budget. While not all states permit true zero-down policies, low-deposit options starting at $20 are widely available. This guide covers eligibility, top providers, and how to secure the best deal in 2025. Enter your zip code to compare zero down insurance quotes.
Zero down auto insurance eliminates the upfront deposit typically required to activate a policy, with the first month’s premium serving as the initial payment. It’s designed for drivers facing financial challenges, such as students, unemployed individuals, or those purchasing a new vehicle. However, strict eligibility criteria apply, and not all states allow these plans. Low-deposit alternatives are more common. Learn about no-deposit insurance options.
Only seven states permit zero down auto insurance due to regulatory constraints:
California, with nearly 40 million residents and the most vehicles, offers the widest range of zero-down policies. In other states, low-deposit plans (e.g., $20 down) are viable alternatives. Compare rates in California or Georgia.
Select carriers offer zero or low down payment plans, often requiring a good credit score (700+) or clean driving record. Leading providers include:
Explore these carriers via trusted insurers.
Insurers evaluate risk to determine eligibility. You’re more likely to qualify if you:
High-risk drivers (e.g., with DUIs) often face higher deposits and premiums. Check eligibility with credit-friendly quotes.
Follow these steps to find the best zero or low down payment policy:
Start with instant quote tools.
Zero down insurance has helped many save. A Florida student with a 2012 Honda saved $350/year with Safe Auto’s liability policy, paying $30/month with no deposit. A New York family secured Progressive’s zero-down plan for two cars, saving $500 annually. A California driver with a 2008 SUV switched to Kemper, cutting costs by $400/year. These examples highlight affordability. Compare Florida rates.
Maximize savings with these strategies:
Learn more with discount tips.
Online comparison tools offer:
Try online insurance platforms for convenience.
Understand your state’s minimum coverage to choose the right policy:
State | Min Bodily Injury Per Person | Min Bodily Injury Per Accident | Min Property Damage Per Accident |
---|---|---|---|
Alabama | $25,000 | $50,000 | $25,000 |
Alaska | $50,000 | $100,000 | $25,000 |
Arizona | $25,000 | $50,000 | $15,000 |
California | $15,000 | $30,000 | $5,000 |
Florida | N/A | N/A | $10,000 |
Georgia | $25,000 | $50,000 | $25,000 |
New York | $25,000 | $50,000 | $10,000 |
Oklahoma | $25,000 | $50,000 | $25,000 |
Washington | $25,000 | $50,000 | $10,000 |
For full requirements, check state liability laws. Note: Table abbreviated; full list available on request.
It’s coverage activated without an upfront deposit, with the first month’s premium as the initial payment, available in states like CA and FL.
Arizona, California, Florida, Georgia, New York, Oklahoma, and Washington. Explore Georgia plans.
Drivers over 25 with good credit, clean records, and low-value vehicles. Check eligibility.
It’s difficult for vehicles over $20,000; low-deposit plans are more common. See low-deposit options.
Use online tools for quotes in 5–7 minutes, comparing coverage and costs. Start with quote tools.
Secure zero down auto insurance today! Enter your zip code to compare quotes and save.