A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products, including home, life, auto, and commercial, and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, mainly in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: Oct 14, 2021

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Important facts to know...

  • A few years back, no down payment insurance wasn’t even possible
  • Many zero down payment auto insurance plans are offered online
  • You have to meet certain requirements to be eligible for a no down payment auto insurance policy
  • Get the best no down payment auto insurance rates by comparing quotes from the high number of carriers offering the service online

For many carriers, down payments are imperative to auto insurance policies. Usually, the auto insurance provider will give you two options:

  • Pay the full premium at the beginning of your policy
  • Pay a portion of the policy at the beginning of your policy and take care of the remainder in installments

A zero down payment option allows drivers to obtain auto insurance coverage without any upfront payments.

That being said, the idea of no down payment insurance is certainly appealing to many drivers, but there are certain factors you need to consider before you purchase the policy. Some of these factors include:

  • Cost – zero down payment car insurance plans come with higher premiums. Compared to the conventional method of payment, no down payment auto insurance may be costly in the long run.
  • Restrictions – consider the policy restrictions before you buy it. The coverage may not be able to meet your needs.
  • Requirements – no down payment car insurance plans are not available for everyone. Certain eligibility criteria have to be met.
  • Means of payment – some auto insurers may need their no down payment customers to make their monthly payments via specific payment methods.
  • Your needs – a car insurance no down payment plan may be a viable option if what you are looking is a short-term coverage. Longer term policies are better purchased the usual way.

Compare car insurance quotes today to find the best price for the coverage you need. Use our free rate comparison tool to begin.

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Getting Low or No Down Payment for Your Auto Insurance

Multiple auto insurers will offer no down payment options to customers who meet their qualification requirements. Local agents or brokers might have access to a pool of auto insurance companies offering zero down payment plans at affordable rates.

Contact them for additional information. Here are a few tips to help you get a no down payment auto insurance policy:

    • Look for several potential no-down-payments auto insurers and compare quotes – Narrow down the ones offering the best rates and use other factors and personal situations as well as needs to settle on one of them.
    • Make a one-time payment for the policy – Making a one-time payment on your auto insurance policy can help you get a no down payment deal. This is a perfect payment schedule for your car insurance if what you are looking for is a short-term deal.
    • Select auto pay options when asked about preferred methods of payment – Autopay options are particularly enticing to auto insurance companies when it comes to no down payment car insurance, and you will have an easier time getting a good deal.
    • Improve your driving record – Whatever type of coverage plan you are looking for, conventional or no down payment plan, your driving record plays a significant role in the determination of your premium. Having a perfect driving record will improve your chances of getting a no down payment auto insurance policy.
    • Age matters – Older more experienced drivers will get a cheaper no down payment quote. Auto insurance providers are more likely to give you a policy without down payment if you don’t drive that often. Older retired drivers don’t do much driving.
  • Protect your vehicle – Many auto insurers give discounts and approve no down payments policies easily if you take measures to keep your car from getting stolen or vandalized.
  • Talk to your employer – In many cases, auto insurance providers will accept no down payment applications from employees from certain companies. Talk to your boss and see if he/she can recommend an auto insurance provider.

Think about how purchasing a no down payment policy will impact your monthly payments.

While there are many auto insurance companies offering auto insurance policies without a down payment, your best option is to go for a reputable provider.

Take time to conduct an in-depth research on your options to find one that offers affordable, flexible no down payment plans.

Auto Insurance Companies Offering No Down Payment Policies

Auto insurance companies have discovered an untapped client base looking no down payment car insurance. What’s even better is that this particular group of drivers is even willing to pay more in premiums, as long they don’t get to pay any deposits.

Some of the leading auto insurance providers in the country are selling no deposit auto insurance coverage. Some of these companies include:

  • Allstate
  • Progressive
  • Safe Auto
  • State Farm
  • Geico
  • Liberty Mutual
  • Nationwide
  • Cheap GA Auto Insurance
  • Kemper

California has the highest number of auto insurance companies offering no down payment car insurance policies.

To get the best deal for no down payment car insurance, you will have to do some comparison shopping.

There are a number of reasons why an individual would opt for a no down payment car insurance plan. However, if your goal is to save money on auto insurance, no down payment plans are not your best option.

Choose the appropriate auto insurance plan according to your personal needs. Compare multiple low-priced quotes to get the best deal whether you are shopping a no down payment policy or not. Use our free comparison tool to find a low rate today.


  1. https://www.mass.gov/service-details/frequently-asked-questions-about-auto-insurance-claims
  2. https://pocketsense.com/need-pay-deposit-buy-auto-insurance-policy-13096.html
  3. http://www.mva.maryland.gov/vehicles/insurance/
  4. http://doi.sc.gov/590/Auto-Insurance-Rates
  5. http://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/lca/
  6. http://www.mass.gov/ocabr/insurance/vehicle/auto-insurance/massachusetts-consumer-bill-of-rights-for.html