The car, truck, or SUV requiring coverage is probably the biggest factor that determines if you can find the cheapest car insurance for 20 year old guys. Vehicles with limited top-end speed, modern passenger safety features, or a positive history of liability claims will cost substantially less to insure than high performance models. The list below presents auto insurance rates for the most economical vehicles to insure in California.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Honda Accord EX 4-Dr Sedan||$2,040|
|Hyundai Elantra GLS Touring Station Wagon||$2,049|
|Ford Escape XLT 2WD||$2,040|
|Honda CR-V EX-L 4WD||$2,070|
|Dodge Grand Caravan Hero||$2,424|
|Chevrolet Malibu LS||$2,432|
|Chevrolet Equinox LS 2WD||$2,424|
|Toyota RAV4 Sport 4WD||$2,429|
|Chevrolet Impala LT||$2,424|
|Jeep Grand Cherokee Laredo 4WD||$2,429|
|Ford Fusion S 4-Dr Sedan||$2,424|
|Jeep Wrangler Unlimited Sahara 2WD 4-Dr||$2,452|
|Ford F-150 FX4 Super Cab 4WD||$2,454|
|Toyota Tacoma Double Cab 4WD||$2,464|
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Data based on single male driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Price estimates do not factor in vehicle garaging location which can decrease or increase premium rates noticeably.
Based upon these rates, we can conclude that vehicles like the Honda Accord, Hyundai Elantra, Ford Escape, and Honda CR-V are the most affordable vehicles to insure for young men. Prices will be more costly because there is more claim risk for 20 year old guys, but overall those specific models will most likely have the lowest prices compared to other vehicles.
For young men, one of the big factors that aid in calculating the annual cost of car insurance is where you keep your car in Chula Vista. Regions with more people or even just more weather-related claims tend to pay more, whereas less populated areas tend to receive cheaper rates.
The information below rates the priciest cities in California for 20 year old guys to buy an auto insurance policy in. Chula Vista shows up at #25 with an annual cost of $1,311 on average, which is around $109 each month.
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Price information shown is comparative as zip code location can influence auto insurance rates considerably.
Get discount Chula Vista car insurance rates
Insurance providers that sell policies for 20 year old guys may also give you special discounts that can reduce rates by 30% or more if you meet specific criteria. A few of the larger companies and their possible discounts are included below.
- State Farm offers discounts including multiple autos, passive restraint, good student, driver’s education, and defensive driving training.
- Progressive may have discounts that include multi-policy, online quote discount, online signing, continuous coverage, and homeowner.
- Progressive has savings for online quote discount, multi-vehicle, continuous coverage, homeowner, multi-policy, and online signing.
- MetLife policyholders can earn discounts including multi-policy, good driver, claim-free, defensive driver, and good student.
- Farm Bureau offers discounts for safe driver, renewal discount, multi-vehicle, 55 and retired, and youthful driver.
- GEICO includes discounts for multi-policy, good student, federal employee, defensive driver, and five-year accident-free.
- SAFECO may include discounts for teen safe driver, anti-theft, safe driver, homeowner, teen safety rewards, and drive less.
The diagram below compares yearly insurance costs with and without discounts applied to the policy premium. The prices are based on a male driver, no violations or claims, California state minimum liability limits, full coverage, and $250 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with continuous coverage, paid-in-full, good student, passive restraint, vehicle safety, and paperless filing discounts applied. In this example, the average savings per year on insurance for 20 year old guys is 18% or $469.
The example below shows how different deductible levels can impact insurance rates when getting quotes for cheap insurance for 20 year old guys. The data is based on a single male driver, full coverage, and no discounts are factored in.
A 40-year-old driver could save $506 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $762 by switching to a $1,000 deductible. Even younger insureds, like the age 20 example, could drop their prices up to $1,674 every year by using a higher deductible.
If you do raise deductibles, it is important to have additional funds in a savings account to enable you to cover the extra out-of-pocket expense that is associated with using high deductibles.
You may be paying too much for car insurance
Chula Vista insurance rates are calculated based on many things which can substantially change the price you pay. Simply having another birthday, moving to a new city, or getting a ticket for careless driving can produce rate changes that can make some companies more affordable than the competition. In addition to those changes, auto insurance companies change premium rates as often as every three months in order to remain profitable. Heavier than normal losses can result in more expensive prices, while a better claims history can result in more affordable Chula Vista car insurance rates.
The graph below shows rates for the cheapest car insurance in Chula Vista, CA for a 35-year-old male driver with no prior claims, no tickets, and solid credit. When comparing rates based on his current situation, USAA quotes the lowest car insurance rates in Chula Vista at $1,121 a year. This is $530 less than the average price paid by California drivers of $1,651. Century National, Wawanesa, Nationwide, and CSAA are also on the list of the best Chula Vista, CA auto insurance companies.
Now we will pretend the driver from the first set of rates a claim surcharge, bad credit, and a few traffic violations. Due to the fact that each insurance company has a different formula for determining rates, analyzing rate quotes could now result in a substantially altered list of cheap Chula Vista auto insurance companies as shown below.
Grange now has the cheapest rate in Chula Vista, CA with Mercury, Progressive, GEICO, and Allstate completing the list. This example illustrates why California drivers need to perform an extensive rate comparison when trying to find the most affordable car insurance quotes for 20 year old guys.
Prices are determined by many different factors and can increase or decrease at any time, so the most economical option the last time you checked may now be quite expensive.