Who Has Cheap Car Insurance Quotes for 16 Year Olds in Chula Vista?

Wouldn’t it be perfect if we could instantly tell you the one perfect company that has the lowest car insurance rates for 16 year olds? Regrettably, it’s not quite that easy, as there are a whole slew of unknowns like your credit rating, whether or not your vehicle has good safety ratings, and whether or not you own a home. We will try to teach you about the causes of high insurance rates and will hopefully give you a good start to your coverage search.

The type of vehicle on the policy is one of the largest considerations when quoting cheaper auto insurance for 16 year olds. Vehicles with lower performance, a plethora of safety features, or a low likelihood of having liability claims will cost quite a bit less to insure than higher performance models. The table below features insurance rates for a number of the cheaper automobiles to buy coverage for.

Cheapest Vehicles to Insure in Chula Vista, CA
Make, Model, and Trim Level Estimated Cost for Full Coverage
Honda Accord LX-P 4-Dr Sedan $3,490
Honda CR-V EX 2WD $3,499
Ford Escape XLS 4WD $3,490
Toyota Prius $3,768
Jeep Wrangler Sport Islander Package 4WD 2-Dr $3,892
Honda Odyssey LX $3,901
Ford F-150 XL Super Cab 4WD $3,924
Chevrolet Impala LS $4,104
Ford Edge SEL AWD $4,114
Jeep Grand Cherokee Laredo 4WD $4,136
Toyota RAV4 Limited 4WD $4,145
Chevrolet Malibu Hybrid $4,136
Volkswagen Jetta LE 4-Dr Sedan $4,146
Ford Explorer Eddie Bauer 4WD $4,170
Dodge Grand Caravan SXT $4,175
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Prices based on 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. Price information does not factor in specific location which can impact premiums greatly.

Looking at the rates, models like the Honda Accord, Honda CR-V, and Ford Escape will definitely be a few of the cheapest vehicles to insure for new drivers. Auto insurance rates will be more costly just because there is more risk for 16 year olds, but generally speaking those particular vehicles will most likely have the cheapest rates possible.

For new drivers, one of the largest components that are looked at to help calculate the cost of insurance is where you choose to live. Larger areas will most likely pay more, whereas areas that tend to be more rural receive better rates.

The information below rates the highest-priced places in California for 16 year olds to buy car insurance in. Chula Vista is ranked at #25 with the annual price of $1,311 on average, which is around $109 monthly.

How much is car insurance in Chula Vista?
Rank City Annual Premium
1 Glendale $2,142
2 Los Angeles $2,083
3 Oakland $1,738
4 San Francisco $1,711
5 Sacramento $1,652
6 San Bernardino $1,628
7 Stockton $1,603
8 Long Beach $1,578
9 Santa Clarita $1,533
10 Fontana $1,519
11 Garden Grove $1,508
12 Modesto $1,502
13 Riverside $1,497
14 Moreno Valley $1,491
15 Fresno $1,472
16 Santa Ana $1,439
17 Anaheim $1,430
18 San Jose $1,423
19 Fremont $1,403
20 Huntington Beach $1,360
21 Irvine $1,343
22 Bakersfield $1,340
23 San Diego $1,327
24 Oxnard $1,318
25 Chula Vista $1,311
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Rate information is estimated as zip code location can increase or decrease insurance rates greatly.

Establishing which companies offer the lowest-priced auto insurance rates for 16 year olds will involve a bit more work than just comparing rates from one or two companies.

Every insurance provider has their own formula to set policy rates, so let’s take a look at the auto insurance companies with the overall cheapest rates in California.

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California car insurance ranked by cost per year
Rank Company Cost Per Year
1 USAA $1,143
2 Wawanesa $1,146
3 Century National $1,190
4 CSAA $1,222
5 Nationwide $1,250
6 21st Century $1,379
7 Grange $1,433
8 Mercury $1,488
9 Allstate $1,513
10 GEICO $1,529
11 Allied $1,541
12 Progressive $1,542
13 The Hartford $1,591
14 MetLife $1,638
15 State Farm $1,699
16 Unitrin $1,750
17 Esurance $1,756
18 Bristol West $1,777
19 Travelers $1,806
20 Farmers $1,946
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USAA offers some of the most affordable car insurance rates in Chula Vista at around $1,143 a year. This is $508 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also some of the best Chula Vista, CA car insurance companies.

In the above rates, if you currently buy coverage from CSAA and switched to Wawanesa, you could see an annual premium reduction of around $76. Insureds with Nationwide could save as much as $104 a year, and 21st Century customers might realize rate reductions of up to $233 a year.

If you want to find out if you’re overpaying, click here to get a free quote or click through to the companies below.

Understand that those prices are averages across all types of drivers and the different vehicles they drive and are not factoring in an exact vehicle garaging location for 16 year olds. So the auto insurance company that can offer you the lowest price may not even be in the top 24 companies in the list above. That points out the importance of why you need to compare rates from multiple companies using your own driver information and specific vehicle type.

Types of discounts on Chula Vista car insurance rates

Save on auto insurance for new drivers in Chula VistaInsurance companies that sell policies for 16 year olds may additionally offer price discounts that can lower rates by 25% or more if you qualify. Large auto insurance companies and the discounts they provide are:

The diagram below compares premium costs with and without discounts applied to the premium. The data assumes a female driver, a clean driving record, no claims, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with anti-theft, passive restraint, continuous coverage, paid-in-full, paperless filing, and good student discounts applied. In this example, the average amount saved each year on auto insurance for 16 year olds is 28% or $641.

The information below shows how different deductible levels can change insurance costs when trying to find cheap insurance for 16 year olds. The rate quotes are based on a married female driver, full physical damage coverage, and no discounts are taken into consideration.

The chart above illustrates that a 40-year-old driver could lower rates by $300 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $456 by changing to a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, could roll back prices $750 each year by choosing larger deductibles on their policy. If you do raise deductibles, it is essential to have additional funds in a savings account to offset the extra out-of-pocket expense that comes with higher deductibles.

Impact of violations and accidents on rates

The easiest way to find good auto insurance prices in Chula Vista for new drivers is to be a careful driver and not get tickets or have accidents. The information below highlights how traffic violations and at-fault fender-benders can raise insurance rates for different age groups. The rates are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.

The data charted above shows the average cost of auto insurance in Chula Vista per year with no violations or accidents is $2,633. Factor in one speeding ticket and the average cost increases to $3,028, an increase of $395 each year. Now include two accidents along with the one speeding ticket and the yearly cost of auto insurance for 16 year olds jumps again to an average of $6,453. That’s an increase of $3,821, or $318 per month, just for not keeping your driving record clean!

If you would rather get some guidance when comparing insurance rates for new drivers, the agents below can probably provide answers to your questions and help you determine which coverages you need.

To locate a Chula Vista car insurance agency by location nearest to you, click the button link following the list.

Hotwire Insurance
555 Broadway #2018Chula Vista, CA 91910(877) 221-0676

Lee Meyer – State Farm Insurance Agent
826 Starboard StChula Vista, CA 91914(619) 656-5020

Farmers Insurance – Patricia Ruiz
2568 Waterline WayChula Vista, CA 91914(619) 482-7011

Farmers Insurance – Charles Phillips
642 3rd Ave aChula Vista, CA 91910(619) 585-3484

Areli’s Insurance Services
1010 Broadway #7Chula Vista, CA 91911(619) 409-1690

More insurance agents in Chula Vista, CA

How to find cheaper car insurance for 16 year olds

Below you’ll find some penny-pinching ideas that can help Chula Vista drivers buy cheaper auto insurance.

That final tip is especially vital, as we hit on in the article above. Auto insurance prices in Chula Vista vary considerably, so don’t be tentative to change insurance companies if a lower price can be found. Many drivers tend to have loyalty to a certain company, but it’s not a great idea if that stubbornness costs you a fortune every year. If you have a few minutes, compare prices to find cheaper auto insurance for 16 year olds.