General Auto Insurance Information:

Average auto insurance rates vary greatly based on a number of factors, like age, vehicle, driving record, amount of auto insurance coverage, credit score, and location. Studies indicate average car insurance rates nationwide for a 26 year old are roughly $1,500 - $1,600 per year. Typical car insurance rates for young drivers are much higher, around $3,000+ per year for an 18 year old. More experienced drivers with good driving records, solid credit scores, and bundled policies receive the best auto insurance rates.

When shopping for the cheapest auto insurance rate, there are several factors to consider. You can call one or multiple car insurance providers to receive an instant auto insurance quote, or you can compare several carriers by requesting auto insurance rates online. You’re certain to find the best auto insurance rates by comparing quotes from various providers, essentially letting them compete for your business. Each auto insurance company has a unique methodology for calculating your auto insurance rate, and they offer unique car insurance discounts. By contacting multiple providers, you can save hundreds per year to receive a truly customized, affordable auto insurance rate.

With thousands of car insurance carriers to choose from, it can be difficult to know you’re choosing a top rated auto insurance company. In addition, many providers offer competitive insurance rates for multiple products – auto insurance, home, health, life, fire, etc. There are also several auto insurance rate comparison tools and websites to choose from claiming to offer the lowest car insurance rates.  Watching television, you’re likely to see an auto insurance company commercial nearly every commercial break telling you how you can save hundreds on car insurance. As a consumer, it’s hard not to get overwhelmed by all of the options while shopping for the best car insurance rate for you and your loved ones.

So, who has the cheapest car insurance rates? Unfortunately, there’s no simple answer as each driver has a unique profile, history, and overall situation. The smartest thing to do is shop around - compare multiple auto insurance quotes from local auto insurance providers and large national brands. If you do your homework you’re certain to find a top rated car insurance provider who can offer a cheap auto insurance rate and great customer service.