The vehicle on the policy is a large consideration when quoting the most economical coverage for 19 year olds. Vehicles with economical engines, a great safety record, or a low likelihood of liability claims will cost much less to insure than fast, unsafe models. The data below shows car insurance prices for a selection of the most budget-friendly vehicles to buy insurance for.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Honda Accord LX-P 4-Dr Sedan||$2,462|
|Ford Escape XLT 4WD||$2,491|
|Honda CR-V EX-L 4WD||$2,496|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$2,723|
|Honda Odyssey LX||$2,728|
|Ford Explorer XLT 4WD||$2,752|
|Chevrolet Impala LS||$2,896|
|Ford Edge SEL AWD||$2,905|
|Ford Focus SE 4-Dr Sedan||$2,896|
|Toyota RAV4 Limited 4WD||$2,925|
|Dodge Grand Caravan Hero||$2,931|
|Jeep Grand Cherokee Laredo 4WD||$2,925|
|Chevrolet Malibu LS||$2,934|
|Chevrolet Silverado LS Regular Cab 2WD||$2,944|
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Table data assumes single female driver age 19, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Table data does not factor in specific garaging location which can modify rates considerably.
By looking at the data, we can infer that makes and models like the Honda Accord, Ford Escape, Honda CR-V, Toyota Prius, and Jeep Wrangler are most likely to be a few of the most affordable vehicles to insure for teenage drivers. Auto insurance rates will tend to be more expensive anyway because there is more inherent risk for 19 year olds, but in general those makes and models will most likely have the cheapest car insurance rates that you’ll find.
One of the many criteria that are used to help calculate insurance cost is where you keep your car. Areas with more people or higher crime rates will most likely pay more, whereas areas that tend to be more rural tend to receive cheaper rates.
The following table ranks the highest-priced places in California for 19 year olds to purchase auto insurance in. San Diego is ranked #21 with the annual price of $1,368 for the average insurance policy, which is around $114 each month.
|Rank||City||Average Per Year|
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Annual rates are comparative as zip code location can influence price quotes considerably.
Determining which companies quote the lowest-priced insurance rates for 19 year olds calls for a bit more effort in order to find the lowest price quote.
Each insurance company uses a different method for filing rates in each state, so we’ll go over the overall cheapest insurance companies in San Diego. It’s important to know that San Diego, CA insurance rates are impacted by many factors that control the price of your policy. Simply having a birthday, having a teen driver, or getting a ticket for running a stop sign can trigger price changes resulting in some rates now being much cheaper than others.
Lowest Insurance Price Quotes for Teens
USAA has some of the best car insurance rates in San Diego at around $1,121 a year. Wawanesa, Century National, CSAA, and Nationwide would also make the list of some of the more affordable San Diego, CA auto insurance companies.
In the rate table above, if you are a customer of CSAA and switched to Wawanesa, you might see a yearly savings of roughly $76. California drivers with Nationwide could save as much as $80 a year, and 21st Century policyholders might cut rates by $179 a year.
To see if you’re overpaying, click here or visit several of the following companies.
It’s important to note that these policy prices are averaged across all types of insureds and vehicles and do not factor in a specific vehicle garaging location for 19 year olds. So the auto insurance company that has the cheapest price for you may not even be in the top 24 companies shown above. That helps illustrate why you need to get rate quotes using your own personal information and vehicle type.
How to get discounts on San Diego car insurance rates
Insurance providers that offer coverage for 19 year olds may provide policy discounts that can reduce rates by 25% or more if you meet the requirements. A few of the larger companies and a partial list of their discounts can be read below.
- Travelers may include discounts for hybrid/electric vehicle, IntelliDrive, good student, home ownership, and new car.
- 21st Century discounts include good student, 55 and older, defensive driver, air bags, and early bird.
- State Farm offers discounts for driver’s education, multiple policy, multiple autos, defensive driving training, good student, Drive Safe & Save, and Steer Clear safe driver discount.
- GEICO may have discounts that include seat belt use, driver training, multi-policy, good student, five-year accident-free, and federal employee.
- SAFECO may offer discounts for teen safety rewards, homeowner, anti-theft, drive less, multi-car, accident prevention training, and bundle discounts.
- AAA policyholders can earn discounts including good driver, education and occupation, multi-policy, pay-in-full, multi-car, and good student.
The example below shows the difference between premium costs with and without discounts being applied to the rates. The information is based on a female driver, a clean driving record, no claims, California state minimum liability limits, full 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 claim-free, homeowner, defensive driving course, passive restraint, vehicle safety, and safe-driver discounts applied. In this example, theamount saved on insurance for 19 year olds is 28% or $783.
The illustration below demonstrates how deductibles can change yearly insurance costs when getting quotes for cheap insurance for 19 year olds. The premium estimates are based on a single female driver, comp and collision included, and no discounts are applied to the premium.
A 40-year-old driver could cut expenses by $350 a year by switching from a $100 deductible to a $500 deductible, or save $530 by choosing a $1,000 deductible. Youthful drivers, like the Age 20 chart data, could lower their rates up to $888 or more just by choosing larger deductibles.
When raising deductibles, it is necessary to have additional funds squirreled away to satisfy the extra out-of-pocket expense that comes with higher deductibles.
Don’t make the mistake of not shopping around
San Diego insurance rates are impacted by many factors which can significantly increase or decrease the policy premium. Getting older, getting divorced, or getting a few speeding tickets can trigger rate changes that may make certain companies cheaper than others. Not only that, but insurance companies amend premium rates as needed to reflect underwriting profits or losses. A period of higher than normal claims can result in rate increases, while lower claims may produce cheaper San Diego car insurance rates.
As an example, the data below shows a variety of companies that have the cheapest car insurance in San Diego, CA for a 45-year-old female driver with a clean driving record, no accidents, and good credit. If we estimate rates based on her current risk factors, USAA offers the most affordable car insurance rates in San Diego at $1,193 a year. This is $458 less than the average policy premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are also on the list of the top five cheapest San Diego, CA auto insurance companies.
The next chart shows rates after we give the driver in the first example a claim or two, a little lower credit rating, and a speeding citation. Because every insurance company has their own formula to establish rates, comparing insurance quotes may result in a slightly different list of cheap San Diego auto insurance companies as shown below.
Grange now has the best price in San Diego with Mercury, GEICO, Progressive, and Allstate also being competitive. This example proves why it is crucial to compare many different companies when trying to get the lowest auto insurance rates for 19 year olds. Car insurance prices can be determined by many risk factors and can change substantially, so the best company the last time you compared rates may now be quite expensive.
The agents listed below can help you make a decision which policy is best, since some drivers aren’t sure which coverage they need and prefer to get help from a professional when shopping for the best coverage for 19 year olds. It’s not always easy to find the cheapest car insurance policy, and using a licensed agent can give comfort knowing your policy gives you adequate coverage when you need it most.
To find a San Diego insurance agent nearest to you, click the button at the bottom of the list or click here to get price quotes now.
- Springbrook Insurance Agency
10650 Treena St #105 – San Diego, CA 92131 – (858) 391-3001 ext. 105
- AG Insurance Agency
11440 W Bernardo Ct #161 – San Diego, CA 92127 – (858) 431-9880
- Alcott Insurance
3945 Idaho St – San Diego, CA 92104 – (619) 293-3800
How to find low-cost auto insurance for 19 year olds
The list below details some of the recommended penny-pinching ideas that can help San Diego drivers quote low-cost coverage.
- Increase your comprehensive and collision deductibles
- Drop full coverage on older vehicles
- Save money by obeying traffic laws and keeping a clean driving record
- Drivers with good credit ratings often pay less
- Buy vehicles with five-star safety ratings
- Avoid preventable accidents
- Compare quotes from other companies often
That final tip is highly vital, as we noted in the prior information. Prices can change in a short period of time, so don’t be afraid to change insurance companies if you find a better deal.
Many consumers stick with the same company and that’s fine, but it’s not recommended if that dedication is costing a fortune every year. It only takes a couple minutes to compare rates to find cheaper auto insurance for 19 year olds in San Diego.