The cheapest auto insurance provides essential protection at a budget-friendly cost, primarily focusing on meeting the legal minimum requirements. This typically includes basic liability coverage, which covers costs for injuries and damages you may cause to others in an accident, but it doesn’t cover your own vehicle. While comprehensive and collision coverages are generally excluded, this option is ideal for those with older, low-value vehicles or drivers with a clean driving record who are looking to minimize expenses. The cost can vary depending on factors such as location, driving history, and the type of vehicle insured. It’s crucial to compare policies and understand the limits of coverage, as the cheapest option might not offer the most comprehensive protection for your specific needs.