Who Has Affordable San Diego Car Insurance Rates for Drivers Under 21?

Determining which companies offer the cheapest auto insurance rates for drivers under 21 may require a little more sweat in order to find the lowest price quote. Each insurance company has a different formula for determining rates, so let’s take a look at the most affordable auto insurance companies in San Diego, CA.

It’s a good idea to be aware that San Diego auto insurance rates are influenced by many factors that can increase your annual premium. Improving your credit rating, getting divorced, or getting a ticket for careless driving can produce rate changes resulting in some rates now being more affordable than competitors.

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USAA may offer some of the lowest car insurance rates in San Diego at around $1,155 a year. Century National, Wawanesa, CSAA, and Nationwide also make the cut as some of the more affordable San Diego, CA auto insurance companies.

As illustrated above, if you have coverage with Wawanesa and switched to USAA, you might realize yearly savings of in the neighborhood of $37. Insureds with CSAA may save as much as $67 a year, and Nationwide policyholders might reduce prices by as much as $71 a year.

To see if you’re overpaying, click here to begin a quote or visit any of the companies below.

It’s important to note that these prices are averages for all drivers and vehicles and and are not figured with a specific location for drivers under 21. So the car insurance company that can offer you the lowest price may not even be in the top 24 companies shown above. That’s why you need to compare prices as often as possible using your own individual information.

The vehicle model driven is probably the largest consideration that determines whether or not you can buy the most affordable auto insurance for drivers under 21. Vehicles with limited top-end speed, good crash test ratings, or low incidents of liability claims will cost significantly less to insure than adrenaline junky models.

The data below features auto insurance premiums for some of the cheaper automobiles to buy insurance for.

Cheapest Vehicles to Insure in San Diego, CA
Make and Model Estimated Cost for Full Coverage
Honda CR-V EX-L 2WD $2,645
Ford Escape Limited 4WD $2,828
Toyota Prius $2,860
Honda Odyssey LX $2,888
Dodge Grand Caravan SE $2,917
Chevrolet Impala LS $3,071
Chevrolet Equinox LT AWD $3,100
Toyota RAV4 2WD $3,109
Volkswagen Jetta S 4-Dr Sedan $3,100
Jeep Grand Cherokee Laredo 2WD $3,106
Ford Explorer Limited AWD $3,132
Dodge Ram 3500 Crew Cab Laramie 2WD $3,137
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $3,132
Jeep Wrangler Unlimited Sport 2WD 4-Dr $3,162
Ford Edge Sport 2WD $3,283
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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 claim-free, and safe-driver. Price estimates do not factor in zip code location which can modify rates significantly.

By looking at the data, you can see that cars like the Honda CR-V, Ford Escape, Toyota Prius, Honda Odyssey, and Dodge Grand Caravan are most likely to be a few of the cheaper vehicles to insure for minors. The cost of auto insurance will tend to be more expensive because there is more risk for drivers under 21, but in general those vehicles will most likely have the best rates that you are likely to find.

For minors, one of the more important considerations that aid in calculating the cost of insurance is where you live. Areas with more people or more claims are more likely to have higher rates, whereas areas with lower crime rates and fewer weather claims benefit from lower prices.

The following table rates the most costly cities in California for drivers under 21 to buy car insurance in. San Diego is listed at #23 with a yearly cost of $1,327 for the average policyholder, which is about $111 monthly.

Car insurance prices in San Diego
Rank City Average Per Year
1 Los Angeles $2,104
2 Glendale $2,079
3 Sacramento $1,703
4 San Francisco $1,693
5 Oakland $1,687
6 Stockton $1,603
7 San Bernardino $1,596
8 Fontana $1,581
9 Long Beach $1,578
10 Garden Grove $1,554
11 Santa Clarita $1,548
12 Modesto $1,532
13 Fresno $1,517
14 Moreno Valley $1,506
15 Santa Ana $1,483
16 Riverside $1,482
17 Anaheim $1,474
18 San Jose $1,437
19 Bakersfield $1,381
20 Irvine $1,371
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Premium amounts are estimated as zip code location can decrease or increase premiums significantly.

The information below demonstrates how deductibles can raise or lower premium costs when researching cheap insurance for drivers under 21. The rates are based on a single female driver, full physical damage coverage, and no discounts are applied.

As shown above, a 50-year-old driver could reduce rates by $490 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $736 by using a $1,000 deductible. Youthful drivers, such as the 20-year-old example, could possibly save as much as $1,246 or even more by using a higher deductible. When using a larger deductible, it is necessary to have enough savings set aside to allow you to cover the extra out-of-pocket expense that comes with higher deductibles.

Choosing a good quality car insurance provider is hard considering how many companies provide coverage in California. The information in the lists below could help you analyze which auto insurers to look at comparing prices from. The rankings below are only made up of the largest companies in America, so companies that only write business in California or surrounding areas are not included in this list.

Top Ten Auto Insurance Companies for Drivers Under 21 in California
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
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Data Source: Insure.com Best Car Insurance Companies

Full coverage or liability only

Buying cheaper auto insurance is important to most people, and one of the best ways to pay lower rates for insurance for drivers under 21 is to only pay for liability coverage. The chart below shows the comparison of insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The data assumes no claims or violations, $500 deductibles, drivers are single, and no additional discounts are factored in.

As an overall average, comp and collision coverage costs $2,075 per year over liability only. That may make you wonder if buying full coverage is worth the expense. There is no exact rule to drop full coverage, but there is a general school of thought. If the yearly cost of comp and collision coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.

There are a few situations where dropping full coverage is not advised. If you still have a loan on your vehicle, you have to maintain full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not drop full coverage.

If you like to get some guidance when shopping for cheaper insurance for drivers under 21, the insurance agencies listed below can aid you in deciding which insurance coverage you need. To find a San Diego insurance agent near you, click the button below the list or click here to compare rates now.

More San Diego, CA insurance agents

Ideas to find cheaper auto insurance for drivers under 21

The list below shows many money-saving ideas that can help San Diego drivers get cheaper coverage.

That final tip is highly crucial, as we hit on in the prior article. Insurance prices can change significantly in a year, so don’t be afraid to switch carriers if a better deal can be had.

Having a favorite company is great, but we do not recommend it if that dedication is costing big bucks every year. Take a couple minutes and shop around to find cheaper insurance for drivers under 21 in San Diego.