Teen drivers typically pay the greatest amount for their car insurance, with due consideration given to their lack of experience in driving on the roads. They can find automobile insurance quotes at a lower rate when they reach the age of 25, when they get the status of having a good driving record. Where as teens have higher rates, retired individuals for example will enjoy lower rates, owing to the assumption that they drive less when compared to other age groups. Unmarried women, like teens, are also charged higher rates by many insurers. If you are in a higher risk age group, or display other risk factors such as bad credit or horrid driving history, be prepared to do some work to find the best coverage.  All the commercials you see on TV promoting lower rates are generally only available to the best risk drivers, so you should expect to pay more.