Affordable Auto Insurance Coverage & Quotes

We're the best insurance agency to help you find the cheapest car insurance! Get paired with a personalized policy that fits your budget for free today with Insurance Navy™.

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Get a fast & easy car insurance quote!

We'll provide you with a free, no-obligation car insurance quote in two minutes. There's no need to talk with a representative since the quoting process is simple, fast, and entirely online. Enter your ZIP Code to start your quote.

We understand that you may require auto insurance right now. We'll provide proof of coverage as soon as you purchase your policy. With a simple, hassle-free online quote from Insurance Navy, there is no easier way to secure affordable coverage.

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If you're looking to lower your monthly premiums, you've found the right company! We understand how time consuming it is to search for auto insurance online and enjoy providing them quickly and easily.

We provide you with the coverage you need at the lowest price.

Your New Policy is only a Click Away. Get your Quote Online Today!

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Affordable Vehicle Coverage in under 2 minutes

Two Minutes is all it takes to receive a personalized estimate from Insurance Navy.

Just enter your ZIP code and let our car insurance comparison tool do the rest of the work, finding the cheapest rates.

The quality service continues after your quote. We proudly use a customer orientated approach.

We've grown into one of the most trustworthy insurance agencies by helping drivers receive the coverage they need at the lowest possible price.

Even drivers with a bad driving history can get affordable auto insurance quotes. Anyone can get insured when they choose an affordable car insurance policy with us.

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Why choose Insurance Navy for your vehicle?

Reliable Coverage

Thousands of people know that Insurance Navy is a company they can rely on and trust for their auto insurance.

After you get your free quote online, we are here to help you every step of the way toward getting your vehicle insured instantly.

Enter your ZIP code to find the lowest available rates.

Cheapest Rates

Many drivers, even those high-risk to insure, pick Insurance Navy because our low priced policies fit perfectly in their budgets.

Payment plans for your policy are readily available, and you will receive excellent customer service regardless of your driving history.

Easy to Use Mobile App

Download our mobile app on any smartphone. We proudly offer the option of paperless billing regarding your monthly payments and scheduling your payment dates or plans.

We're also highly flexible with our payment methods and accept cash, credit, or debit cards. You can also manage your policy via our Mobile App anytime or anywhere.

Get back on the road today with Insurance Navy coverage.

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Customer Reviews

Jake Jackson

Look no further for low-cost car insurance! Insurance Navy was our answer! Alejandra was a gem! She was so professional and very patient with all my questions. I was so happy I came here!

Flor Diaz

3 mins ago

Great customer service from Rosie she was able to help get my 2 vehicles insured within minutes and low rates plus offered roadside assistance. Been coming here for a while now, in-person or over the phone, she’s been a gate help.

Jaqueline Diaz

8 months ago

I have been coming to this location for many years. The price for full coverage is unbeatable - and the customer service is great! I highly suggest you ask for Linda, she is so sweet , fast , and informative.

Coraima Chapa

2 weeks ago

I’m very pleased with their customer service. Brenda is super attentive and was able to answer all my questions. recommend 100%

Rene Torres

1 year ago

I had such a great experience quoting online. I got a response in 1 minute literally 1 minute I was just looking forward to issuing the policy myself but as soon as she mentioned she could find me something more affordable I continued with her and glad I did !!! Thank you Silvia

Saul Jaurez

7 days ago

Thanks to Michelle, very professional. Always takes care of her customers. Got me a really good monthly price on my car insurance! Definitely recommend!!!

Rami Laila

4 months ago

I was at State farm before i switched over to Insurance Navy. I didn’t believe the hype till I realized how much money i saved for the same great coverage. Linda Kawash was very helpful in making sure i got the best priced quote possible. Thank you!

Individual experiences may vary.

What Kind of Policy Options Are Provided by Insurance Navy?

Auto insurance rates can vary significantly among different insurance carriers. Comparing quotes from different companies is the best way to find affordable car insurance with a provider you can trust.

Everything from your zip code, credit history, driving record, and claims history can significantly influence your insurance costs. We're here to help you find cheaper car insurance options.

At Insurance Navy, we streamline the process of comparing insurance policies so you get the coverage you need at a price you can afford. Cheap auto insurance doesn't mean you have to compromise on coverage options.

We provide the following coverages listed below.

Liability Insurance

Liability insurance helps drivers pay for damages when they are at fault in a car accident. It pays for medical bills, legal fees, and repair or replacement of damaged property. Required in most states, liability coverage has limits expressed in numbers like 100/300 which means maximum payout per injured person and per accident according to NAIC.

Uninsured Motorist Coverage

Uninsured motorist coverage helps drivers involved in accidents with uninsured or hit-and-run drivers. It pays for medical bills, lost wages and other expenses for the driver and their passengers. UM coverage also covers accidents with underinsured motorists (UIM) when the at-fault driver's policy limits are not enough to cover the total damages in an accident.

Collision Coverage

Collision coverage pays for repairs or replacement of your vehicle after an accident, regardless of who was at fault. It covers accidents with other vehicles or objects like fences or poles. Typically with a deductible of usually $500 or $1000, collision coverage is good for drivers of newer or financed vehicles as it reduces out-of-pocket repair costs.

Comprehensive Coverage

Comprehensive coverage, protects your vehicle from damage caused by non-accident related incidents like theft, vandalism, natural disasters and animal collisions. Like collision coverage, comprehensive insurance has a deductible. This coverage is good for drivers who want extra protection and Comprehensive coverage is required by lenders when vehicles are financed or leased.

Medical Payments Coverage

Medical payments coverage, also known as MedPay, pays for medical expenses incurred by the driver and passengers due to an auto accident, regardless of fault. It covers hospital visits, surgery, X-rays and other immediate medical costs. MedPay is optional in many states but is good for drivers without comprehensive health insurance or those with high-deductible health plans.

Roadside Assistance and Towing

Roadside assistance coverage provides help for common vehicle breakdowns like towing, battery jump starts, flat tire changes, lockouts and fuel delivery. It's designed to reduce inconvenience and reduce the risk of the driver being stranded. It is often offered as an add-on to standard auto policies for a low cost. This coverage gives drivers peace of mind, especially for drivers who commute or travel long distances.

Rental Reimbursement

Rental reimbursement coverage helps policyholders pay for the temporary costs of renting a vehicle while their primary vehicle is being repaired after a covered insurance claim. Coverage has daily rental limits and overall time for renting a car, usually 30 days. Although optional, rental reimbursement is good for drivers who rely heavily on their vehicle for daily activities and need a car to drive during repairs.

SR-22 Filings

An SR-22 is a certificate filed by an insurance company with the state's department of motor vehicles. This SR-22 certificate shows that a driver has at least the state's minimum required auto insurance coverage. It is often required after serious driving violations like DUIs, driving without insurance or multiple traffic offenses. SR-22 insurance proves financial responsibility and is usually required for three years. Although often referred to as "SR-22 insurance," it's technically a form rather than a type of coverage.

Commercial Vehicles

Commercial auto insurance covers vehicles used primarily for business purposes, protecting businesses from liability and property damage associated with company vehicles or employee-operated vehicles. Coverage includes liability, collision, comprehensive, medical payments and protection against uninsured motorists. Essential for fleet operations, transportation services and businesses that rely heavily on vehicle use, commercial auto policies can be customized to fit your business needs.

Rideshare Coverage

If your personal car doubles as your business vehicle, make sure you're protected with an add-on Rideshare insurance policy. Rideshare insurance provides coverage gaps for using your personal vehicle for ridesharing work. This specialized insurance policy makes sure you remain fully covered from any potential risks when ridesharing.

Frequently Asked Questions

How Can I Find Affordable Coverage?

Get quotes online from multiple providers, choose higher deductibles and liability-only or minimum state-required coverage. You may also qualify for multi-car, safe-driver or paid-in-full discounts. A clean driving record helps too.

What Affects Premium Costs?

Costs vary based on your driving history, age, credit score, type of car and coverage level. State laws, annual mileage and vehicle safety features also impact premiums. Each factor is the insurer’s assessment of risk.

Are There Policy Discounts Available?

Yes, there are multi-policy, multi-car, safe-driver, good-student and pay-in-full discounts. You can also earn extra savings by enrolling in telematics-based programs or completing defensive driving courses. Always ask insurers about discounts.

Can I Get Covered with Bad Credit?

Getting cheap car insurance with bad credit is tough but not impossible. Some insurers don’t care as much about credit scores while others offer specialized coverage. Shopping around, choosing minimal coverage or improving your credit over time can help.

What are the Minimum State Requirements?

Minimum coverage is liability insurance which covers bodily injury and property damage in accidents you cause. Exact limits vary by state law and may also require personal injury protection (PIP) or uninsured motorist coverage. Always check your state’s requirements to comply.

How Does My Driving Record Affect Pricing?

A clean driving record means lower risk and lower premiums. A history of accidents or violations means higher insurance rates. Insurers review your record when setting prices and may offer discounts if you’re accident-free. Defensive driving courses can help mitigate past negative impacts.

Are There Specific Vehicles that Cost Less to Cover?

Yes, some cars like economy models or older vehicles are cheaper to insure because of lower replacement and repair costs. Cars with advanced safety features or hybrid models may also qualify for discounts. Luxury or high-performance cars generally cost more to insure.

What Options Exist for Young or New Drivers?

While rates for young or new drivers are high, good-student, safe-driver and defensive-driving course discounts can help. Being added to a parent’s policy or choosing an economy car can also lower costs. Compare multiple providers for cheap rates.

What Can I Do to Lower My Monthly Premiums?

Lower car insurance rates by having a clean driving record, higher deductible and basic coverage options. Qualify for multi-car, multi-policy or safe-driver discounts and compare quotes regularly to ensure you get the best deal.