We found that car insurance costs $2,026 per year on average ($169 per month), so reducing your insurance bill by just just 5% to 10% can shave off about $100 to $200 a year. But you may be able , Car insurance premiums keep rising in many parts of the country—but the good news is, there are more ways than ever to cut your costs without sacrificing coverage. You just have to know where to look., How to lower your auto insurance: 10 ways to save in 2025 With car insurance rates continuing to rise, drivers should explore higher deductibles, discounts, pay-per-mile programs and even switching insurers to reduce their rates., But you can add insurance premiums to the pile of things that become cheaper for you with a higher credit score. While some states don’t allow credit to be a factor in determining insurance states, in many, it can make a big difference in your rates. There’s a price difference of nearly 50% between drivers with excellent credit and poor credit., 11 Ways to Lower Your Car Insurance Rates They may not all be obvious, but you have a few ways to get cheaper car insurance, such as taking advantage of discounts and comparing multiple quotes. We’ll explain 11 options to help you save while still getting the coverage you need., How to save money on car insurance in 2025 Getting cheaper car insurance requires some legwork, but the potential savings could make it worthwhile. Learn the best ways to save on car insurance — from shopping around to asking about discounts. Shop around and compare car insurance quotes Bundle your policies Raise your deductible.