The words “cheap” and “insurance” probably shouldn’t be used together, specifically when shopping around for the lowest insurance rates for teenage males. Because it’s so expensive, let’s go over some things that have a considerable impact on car insurance prices, and find a way to take the sting out of the next policy you buy.
The vehicle you are insuring is one of the primary factors when trying to find the most affordable insurance for teenage males. Vehicles with economical engines, a plethora of safety features, or low incidents of liability claims will cost significantly less to insure than high performance models.
The next list features coverage prices for a number of the most cost-effective automobiles to buy insurance for.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Ford Escape XLS 4WD||$3,490|
|Honda CR-V LX 2WD||$3,499|
|Honda Accord LX-P 4-Dr Sedan||$3,490|
|Hyundai Elantra SE Touring Station Wagon||$3,734|
|Ford Explorer Eddie Bauer 2WD||$3,924|
|Honda Civic DX 4-Dr Sedan||$4,104|
|Ford Focus SE 4-Dr Sedan||$4,112|
|Ford Edge SEL AWD||$4,104|
|Honda Odyssey EX||$4,113|
|Chevrolet Impala LS||$4,104|
|Toyota RAV4 Sport 4WD||$4,136|
|Volkswagen Jetta LE 4-Dr Sedan||$4,144|
|Dodge Grand Caravan Crew||$4,170|
|Ford F-150 Lariat Crew Cab 4WD||$4,179|
|Toyota Tacoma Double Cab 4WD||$4,170|
|Toyota Corolla S||$4,350|
|Jeep Grand Cherokee Limited 2WD||$4,384|
|Nissan Altima 3.5 SR 4-Dr Sedan||$4,393|
|GMC Sierra SLT Extended Cab 4WD||$4,384|
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Data variables include single male driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium amounts do not factor in the specific area where the vehicle is garaged which can revise insurance rates noticeably.
Based upon the rates shown, you can assume that models like the Ford Escape, Honda CR-V, Honda Accord, Hyundai Elantra, and Toyota Prius are a few of the cheaper vehicles to insure for teen boys. Rates will tend to be higher just because there is more liability exposure for teenage males, but overall those specific models will tend to have the lowest insurance prices that you are likely to find.
Determining which companies offer the most affordable car insurance rates for teenage males will require more work in order to find the best price. Every insurance provider has a different process for establishing rates, so let’s look at the rankings for the most budget-friendly car insurance companies in Chula Vista, CA.
It’s a good idea to be aware that Chula Vista, CA car insurance rates are influenced by many factors which can substantially change the price you pay. Simply turning a year older, buying a different home, or getting a few speeding tickets can trigger changes in premium resulting in some rates now being cheaper than competitors.
Best Cheap Insurance Rates for Teens
|Rank||Company||Cost Per Year|
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USAA offers some of the lowest car insurance rates in Chula Vista at around $1,121 annually. Wawanesa, Nationwide, Century National, and CSAA also make the cut as some of the most economical Chula Vista, CA insurance companies.
As depicted above, if you are a customer of Nationwide and switched to USAA, you might see a yearly price reduction of around $92. Policyholders with Century National might save as much as $93 a year, and CSAA policyholders might realize rate reductions of up to $113 a year.
Remember that these estimates are averages across all types of insureds and vehicles and and are not calculated with an exact location for teenage males. So the company that is most affordable for your situation may not even be in the list above. That points out the importance of why you need to get rate quotes from many companies using your own driver data and vehicle information.
One of the many components that are looked at to determine the annual cost of car insurance is where you call home in Chula Vista. Cities with larger populations or higher claim trends tend to have higher rates, whereas areas with less people or fewer weather incidents have the benefit of cheaper car insurance.
The information below rates the most expensive places in California for teenage males in which to buy car insurance. Chula Vista ranks #22 having an annual price of $1,350 for the average insured, which is around $113 per month.
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Price information shown is approximated as the specific geographic location can raise or lower rates substantially.
Reckless driving habits raise Chula Vista car insurance rates
The easiest way to maintain affordable car insurance prices for teen boys is to drive cautiously and maintain a clean driving record. The diagram below shows how traffic citations and at-fault collisions increase insurance prices for different age categories. Data assumes a single male driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.
The chart shows that the average cost of car insurance in Chula Vista per year with a clean driving record and no accidents is $2,314. Factor in one speeding ticket and the average cost rises to $2,608, an increase of $294 each year. Then add in two accidents along with the one speeding ticket and the yearly cost of car insurance for teenage males goes up to an average of $5,143. That’s an increase of $2,829, or $236 per month, just for a couple of infractions!
The diagram below demonstrates how deductible levels can increase or decrease premium costs when trying to find cheap insurance for teenage males. The premiums are based on a single male driver, full coverage, and no discounts are applied.
As shown above, a 30-year-old driver could lower rates by $552 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $830 by changing to a $1,000 deductible. Young drivers, like the 20-year-old category, can cut up to $1,640 every year just by choosing higher deductibles.
If you do make the decision to raise your deductibles, it will be important to have emergency funds available to be able to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
What is the best car insurance company in California?
Choosing a high-quality auto insurance company can be a challenge considering how many different companies sell coverage in Chula Vista. The rank data displayed below could help you pick which car insurance companies you want to consider purchasing coverage from.
These ratings are only made up of large insurance companies, so companies that only write business in California or surrounding areas are not taken into consideration for this list. If you’d like to compare prices from the insurers below and more, follow this link.
Top 10 Major Car Insurance Companies in Chula Vista Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
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
How to find low-cost insurance for teenage males
The list below shows a few thrifty suggestions that can help you buy low-cost car insurance.
- Buying your home and auto policies from the same company can earn a discount
- Avoid at-fault accidents and claims
- Try to pay small claims out-of-pocket
- Violations and traffic tickets increase rates
- Drop full coverage on older vehicles
- Vehicles with safetly features generally cost less to insure
- Compare price quotes at least once a year
The last suggestion is extraordinarily important, as we emphasized in this piece. Insurance rates fluctuate constantly, so don’t be tentative to change insurance companies if a lower-cost policy is available. Sticking with a specific company is fine, but it’s not a great idea if your bullheadedness ends up costing you a lot of money. Now is a great time to compare rates and find cheaper insurance for teenage males in Chula Vista.