Dave Ramsey's 5 best car insurance tips for 2026

Experian reports the average 2026 auto insurance premium is $2,276, 50% above 2020 levels due to inflation and repair cost rises. Dave Ramsey advises against cutting insurance, calling it a non-negotiable step in financial health. His tips focus on comparing quotes, using discounts, and maintaining a clean record. Premiums are not expected to return to pre-pandemic levels.