Who Has Affordable San Diego Auto Insurance Quotes for 17 Year Olds?

One of the many factors that are used to help calculate the amount you pay each year for auto insurance is your address in San Diego. Regions with more people or even just more weather-related claims are more likely to have higher rates, whereas less populated areas receive better rates.

The table below ranks the highest-priced places in California for 17 year olds to purchase a policy in. San Diego shows up at #22 with an annual cost of $1,368 for the average insurance policy, which is approximately $114 monthly.

How much does car insurance cost in San Diego, CA?
Rank City Premium Per Year
1 Los Angeles $2,146
2 Glendale $2,079
3 Oakland $1,738
4 San Francisco $1,693
5 Sacramento $1,669
6 San Bernardino $1,628
7 Stockton $1,603
8 Fontana $1,581
9 Long Beach $1,562
10 Moreno Valley $1,536
11 Santa Clarita $1,533
12 Modesto $1,532
13 Garden Grove $1,524
14 Riverside $1,497
15 Anaheim $1,474
16 Fresno $1,472
17 Santa Ana $1,453
18 San Jose $1,423
19 Fremont $1,389
20 Bakersfield $1,381
21 Huntington Beach $1,374
22 San Diego $1,368
23 Oxnard $1,344
24 Irvine $1,330
25 Chula Vista $1,311
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Price information shown is estimated as the specific San Diego residence address can influence premiums substantially.

The car, truck, or SUV you are insuring is one of the primary factors when looking for the cheapest car insurance for 17 year olds. Vehicles with reasonable performance levels, good crash test ratings, or a low likelihood of liability claims will cost less to insure than adrenaline junky models. The next list ranks insurance rates for some of the most economical automobiles to buy coverage for.

Cheapest Vehicles to Insure in San Diego, CA
Vehicle Insured Estimated Cost for Full Coverage
Ford Escape XLT 4WD $2,896
Honda CR-V EX-L 4WD $2,906
Hyundai Elantra SE Touring Station Wagon $3,076
Toyota Prius $3,104
Honda Odyssey LX $3,192
Ford F-150 STX Super Cab 2WD $3,202
Ford Focus SE 4-Dr Sedan $3,372
Toyota Camry LE $3,400
Chevrolet Equinox LT 2WD $3,406
Chevrolet Malibu LS $3,400
Toyota RAV4 2WD $3,408
Ford Explorer Limited 4WD $3,428
Dodge Grand Caravan SXT $3,437
Toyota Tacoma X-Runner 2WD $3,582
Ford Edge Sport 2WD $3,591
Chevrolet Impala LTZ $3,582
Jeep Grand Cherokee Limited 2WD $3,610
Nissan Altima Hybrid 4-Dr Sedan $3,617
GMC Sierra 2500HD SLE Extended Cab 4WD $3,610
Volkswagen Jetta SE 4-Dr Sedan $3,615
Ford Fusion Sport 4-Dr Sedan $3,610
Toyota Corolla XRS $3,618
GMC Sierra SLE Extended Cab 4WD $3,610
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Table data represents single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Rates do not factor in San Diego, CA location which can affect prices significantly.

Looking at the data, we can conclude that vehicles like the Ford Escape, Honda CR-V, Hyundai Elantra, Toyota Prius, and Honda Odyssey will be some of the cheapest vehicles to insure for teen drivers. Auto insurance rates will tend to be higher because there is a higher risk for 17 year olds, but generally speaking those particular vehicles will most likely have the lowest insurance prices that you’ll find.

Selecting the right company can be a challenge considering how many companies sell coverage in California. The company information displayed below can help you analyze which providers you want to consider shopping prices with.

The ratings below are only comprised of large insurance companies, so companies without a large exposure will not be included in this list. If you wish to compare prices from these companies and more, simply click here.

Top 10 Major Auto Insurers in San Diego Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA of Southern California – 92%
  4. AAA Insurance – 91%
  5. Nationwide – 90%
  6. State Farm – 90%
  7. The Hartford – 89%
  8. GEICO – 89%
  9. The General – 88%
  10. 21st Century – 88%

Top 10 Major Auto Insurers Overall in San Diego

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive

Safe drivers pay cheaper rates

The recommended way to obtain cheap insurance rates in San Diego for teen drivers is to drive attentively and avoid traffic citations and accidents. The diagram below demonstrates how citations and at-fault accidents can impact annual premium costs for each different age group. The data is based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.

In the prior example, the average cost of a car insurance policy per year with no accidents or violations is $3,385. Get two speeding tickets and the average cost jumps to $4,499, an increase of $1,114 each year. Now add one accident along with the two speeding tickets and the annual cost of insurance for 17 year olds goes up to an average of $5,640. That’s an increase of $2,256, or $188 per month, just for not being attentive to the road!

The example below shows how different deductible levels can increase or decrease annual premium costs when quoting cheap insurance for 17 year olds. Data assumes a married female driver, comprehensive and collision coverage, and no discounts are factored in.

The data above shows that a 40-year-old driver could save $300 a year by switching from a $100 deductible to a $500 deductible, or save $456 by selecting a $1,000 deductible. Even younger drivers, like the Age 20 chart data, could shave as much as $750 or more just by choosing higher deductibles.

When insureds make the decision to increase the deductibles on their policy, it will be required to have enough funds in savings to allow you to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

Why you should be shopping around

California insurance rates are calculated based on many things which can substantially change the cost of coverage. Turning one year older, buying a home instead of renting, or getting a ticket for running a stop sign may generate price changes that can now make some companies affordable when they were higher priced.

Not only may things change on your end, but insurers modify pricing as often as every three months in order to remain profitable. Heavier than normal losses may cause increased policy costs, while less frequent claims can produce cheaper San Diego car insurance rates.

For example, the bar chart below demonstrates which company has the cheapest car insurance in San Diego, CA for a 35-year-old female driver with a good driving record, no prior claims, and excellent credit. When comparing rates based on her current rating profile, USAA might offer the cheapest car insurance rates in San Diego at $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 the rest of the most affordable San Diego, CA auto insurance companies.

Let’s now give the driver from the first rate comparison some claims, bad credit, and an imperfect driving record. Due to the fact that every insurance company has their own unique process to set policy rates, comparing quotes may result in a completely different list of affordable San Diego car insurance companies as shown below.

Grange now has the best auto insurance rate in San Diego, CA with Mercury, Progressive, Allstate, and GEICO also being competitive. This example illustrates why it is important to shop around to find the cheapest car insurance quotes for 17 year olds.

Rates are impacted by many factors and change substantially, so the cheapest option two years ago may now be costing you a lot of money.

The insurance agents in San Diego listed below can provide answers to your questions and help you determine which car insurance company is the best fit, since some people have coverage questions and would like to have a professional recommendation when buying car insurance for teen drivers. It can be difficult to do it yourself, and insurance agents can provide satisfaction knowing your coverage gives you sufficient coverage at claim time.

To locate an agency by location nearest to you, click the button link following the list.

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