Cheapest car insurance refers to auto insurance policies that offer basic protection at the lowest possible cost. This type of insurance typically includes the minimum liability coverage required by law, which covers damages or injuries you may cause to others in an accident. However, it often excludes comprehensive and collision coverage, which would protect your own vehicle. The affordability of these policies makes them suitable for drivers on a tight budget, those with older or less valuable cars, or individuals with a clean driving record. It’s important to compare quotes and understand coverage limits, as the cheapest option may not always provide adequate protection for your specific needs.