The type of vehicle you are buying coverage for is probably the largest consideration when comparison shopping for the best insurance for 18 year olds. Vehicles with reasonable performance levels, modern passenger safety features, or a low likelihood of having liability claims will cost much less to insure than adrenaline junky models. The data below estimates auto insurance costs for some of the most affordable automobiles to insure in California.
|Make and Model||Estimated Cost for Full Coverage|
|Honda Accord EX 4-Dr Sedan||$3,145|
|Honda CR-V EX-L 2WD||$3,180|
|Ford Escape Limited 2WD||$3,188|
|Volkswagen Jetta S 2.5 Station Wagon||$3,389|
|Chevrolet Silverado LS Regular Cab 4WD||$3,487|
|Toyota Tacoma 2WD||$3,696|
|Ford Edge Limited 2WD||$3,704|
|Honda Odyssey EX W/Rear Entertainment||$3,696|
|Chevrolet Impala LS||$3,705|
|Ford Focus S 4-Dr Sedan||$3,696|
|Toyota RAV4 Sport 2WD||$3,731|
|Toyota Camry LE||$3,737|
|Chevrolet Equinox LT 2WD||$3,731|
|Chevrolet Malibu LS||$3,739|
|Ford F-150 SVT Raptor Super Cab 4WD||$3,766|
|Dodge Grand Caravan Crew||$3,772|
|Ford Explorer Eddie Bauer AWD||$3,766|
|Nissan Altima 2.5 S 4-Dr Sedan||$3,940|
|Hyundai Elantra SE 4-Dr Sedan||$3,945|
|Toyota Corolla S||$3,940|
|Jeep Grand Cherokee Limited 4WD||$3,975|
|GMC Sierra 3500HD SLE Crew Cab 2WD||$4,011|
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Above prices assume single male driver age 18, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Prices do not factor in your specific Chula Vista, CA location which can lower or raise prices considerably.
Based upon the table data, we can assume that cars like the Honda Accord, Honda CR-V, Ford Escape, Volkswagen Jetta, and Toyota Prius will definitely be a few of the most economical vehicles to insure for teen drivers. The cost of auto insurance will tend to be higher because of the fact that there is more liability risk for 18 year olds, but generally speaking those vehicles will most likely have the lowest prices compared to other vehicles.
Finding out which insurers offer the best insurance rates for 18 year olds takes a tad more effort than just quoting one company’s rates. Every car insurance company has a proprietary formula to establish rates, so let’s take a look at the insurance companies that tend to have lower prices in Chula Vista, CA.
It’s important that readers know that Chula Vista, CA insurance rates are influenced by many factors that will increase or decrease the cost of having a policy. Improving your credit score, buying higher coverage limits, or getting into an accident may cause policy rate changes resulting in some companies being more affordable than before.
Best Insurance Companies for Teens
USAA may offer some of the most affordable car insurance rates in Chula Vista at around $1,143 each year. Century National, Wawanesa, CSAA, and Nationwide also qualify as some of the cheapest Chula Vista, CA car insurance companies.
As illustrated above, if you are a policyholder with Century National and switched to USAA, you could earn yearly savings of in the neighborhood of $35. Insureds with Wawanesa could save as much as $49 a year, and CSAA customers might lower prices by $55 a year.
Remember that these estimates are averaged for all drivers and vehicles and and are not calculated with a vehicle location for 18 year olds. So the car insurance company that fits your situation best may not even be in the top 24 companies shown above. That underscores the importance of why you need to compare rates from as many companies as possible using your own specific driver and vehicle information.
What is the best insurance company in Chula Vista?
Insuring your vehicle with a good quality car insurance company is hard considering how many companies there are in Chula Vista. The company ratings shown next may help you select which auto insurers to look at purchasing a policy from.
The ratings below only include large nationwide companies, so companies that have a smaller presence are not factored into this list. To compare price quotes from these companies and more, follow this link.
Top 10 Major Car Insurance Companies Overall in Chula Vista
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
Top 10 Major Car Insurance Companies in Chula Vista Ranked by Claims Service
- AAA of Southern California
- State Farm
- AAA Insurance
- Liberty Mutual
- Titan Insurance
- The Hartford
Discounts on Chula Vista car insurance
Car insurance companies that provide coverage for 18 year olds may provide discounts that may potentially lower prices by 25% or more if you meet certain criteria. Popular insurance companies and a selection of discounts can be found below.
- Progressive may include discounts for online signing, continuous coverage, multi-vehicle, good student, multi-policy, and online quote discount.
- MetLife policyholders can earn discounts including claim-free, multi-policy, accident-free, good driver, and good student.
- Mercury Insurance has savings for good student, multi-policy, professional/association, age of vehicle, and location of vehicle.
- Nationwide may offer discounts for defensive driving, business or organization, multi-policy, accident-free, easy pay, and Farm Bureau membership.
- GEICO includes discounts for military active duty, membership and employees, driver training, air bags, and good student.
- AAA may have discounts that include multi-car, AAA membership discount, good driver, good student, education and occupation, and pay-in-full.
The chart below illustrates the difference between insurance prices with and without some available policy discounts. The rate quotes are based on a female driver, no violations or claims, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with continuous coverage, good student, anti-theft, paperless filing, paid-in-full, and passive restraint discounts applied. When taking advantage of discounts, theaverage amount saved on insurance for 18 year olds is 28% or $803.
Don’t make the mistake of not shopping around
California insurance rates are calculated based on many things that may substantially change the price of coverage. Improving your credit rating, increasing liability limits, or having a fender bender can trigger price changes that can make some companies much cheaper than others. Not only may things change on your end, but companies change prices as needed in order to maintain liquidity for claims. Significantly higher claims can cause more expensive premiums, while profitable underwriting can cause lower-priced Chula Vista car insurance rates.
For instance, the graph below shows which companies have the cheapest car insurance in Chula Vista, CA for a 45-year-old male driver with no violations or accidents, and a good credit rating. When comparing rates based on his personal profile, USAA quotes the best car insurance rates in Chula Vista at $1,148 a year. This is $503 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also make the list of the best Chula Vista, CA auto insurance companies.
Now we will give the driver from the first example some claims, a lower credit rating, and a few blemishes on his driving record. Since each auto insurance company has a proprietary method for setting prices, comparing insurance quotes could result in a completely different list of the cheapest Chula Vista car insurance companies as shown below.
Grange now has the best car insurance rate in Chula Vista, CA with Allstate, Progressive, Mercury, and GEICO completing the list. This shows why it is critical to compare as many rates as possible when trying to find cheap car insurance quotes for 18 year olds. Car insurance prices can be determined by many things and can change without notice, so the most economical company when you last compared rates may now be priced much higher than other options.
If you wish to have some advice when trying to find lower insurance rates for teen drivers, the insurance agencies listed below can aid you in deciding which coverages you need.
To locate an agency in your neighborhood, click the link after the list or click here to compare price quotes.
Garrison Insurance Agency, Inc
553 Telegraph Canyon Rd – Chula Vista, CA 91910 – (800) 701-5909
Areli’s Insurance Services
1010 Broadway #7 – Chula Vista, CA 91911 – (619) 409-1690
Mexican Insurance Specialists
249 E St – Chula Vista, CA 91910 – (619) 420-8200
Bernardo Vasquez – State Farm Insurance Agent
460 3rd Ave a – Chula Vista, CA 91910 – (619) 425-6560
Allstate Insurance: Donald Sewell
355 3rd Ave B – Chula Vista, CA 91910 – (619) 425-5370
How to find budget-friendly car insurance for 18 year olds
Lowering your rates is not difficult, and here are some money-saving suggestions that can help drivers find more affordable car insurance.
- Do not get traffic citations
- Buy your auto and home insurance from the same company and save
- Staying accident-free helps keep rates low
- Lower rates by purchasing a safer vehicle
- Claim-free policyholders usually earn a discount
- Shop around for cheaper rates regularly
That last idea is extraordinarily vital, as we stressed in the article above. Prices charged by auto insurers in Chula Vista vary considerably, so drivers shouldn’t be reluctant to buy a different policy if you find a cheaper price.
Being loyal to a particular company is commendable, but it isn’t a good idea if it’s costing you money that could be spent on other things. If you have a few minutes, shop around and find cheaper car insurance for 18 year olds.