The vehicle you are seeking coverage for is a significant factor that determines whether or not you find low-cost coverage for 20 year old guys. Vehicles with lots of speed or power, poor safety ratings, or a high likelihood of having liability claims will cost quite a bit more to insure than more modest models.
The next list showcases coverage costs for the more affordable automobiles to buy coverage for.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Ford Escape XLT 2WD||$2,263|
|Honda CR-V EX-L 2WD||$2,296|
|Volkswagen Jetta S 2.5 Station Wagon||$2,465|
|Ford Explorer XLT 2WD||$2,518|
|Toyota Tacoma 4WD||$2,527|
|Ford F-150 XL Crew Cab 2WD||$2,518|
|Ford Edge Limited 2WD||$2,652|
|Ford Focus SE 4-Dr Sedan||$2,661|
|Chevrolet Impala LT||$2,686|
|Toyota RAV4 Limited 2WD||$2,694|
|Chevrolet Equinox LS AWD||$2,686|
|Dodge Grand Caravan Hero||$2,695|
|Jeep Wrangler Unlimited Sport 4WD 4-Dr||$2,722|
|Hyundai Elantra Blue 4-Dr Sedan||$2,821|
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Prices 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 claim-free, and safe-driver. Rates do not factor in specific location which can modify price quotes noticeably.
By looking at the data, we can assume that models like the Ford Escape, Honda CR-V, Volkswagen Jetta, and Toyota Prius will definitely be a few of the cheapest vehicles to insure for young men. The price of auto insurance will tend to be higher because there is more claim exposure for 20 year old guys, but generally speaking those makes and models will have the least expensive rates available.
Buying cost effective insurance is difficult, and finding out which company has the best insurance rates for 20 year old guys will require even more work. Every insurance company uses their own formula for setting rates, so we need to take a look at the overall cheapest insurance companies in San Diego, CA.
Find the Cheapest Car Insurance for Men Age 20
|Rank||Company||Cost Per Year|
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USAA quotes some of the best car insurance rates in San Diego at around $1,121 per year. Wawanesa, Century National, CSAA, and Nationwide also make the cut as some of the best San Diego, CA car insurance companies.
As depicted above, if you are a policyholder with Century National and switched to USAA, you could earn yearly savings of around $57. Policyholders with CSAA may save as much as $113 a year, and Nationwide policyholders might cut rates by $142 a year.
If you want to find out if you’re overpaying, click here to start your free quote or visit any of the companies below.
Remember that these policy rates are averages for all types of insureds and vehicles and and are not calculated with a vehicle location for 20 year old guys. So the car insurance company that is best suited for you may not even be in the list above. That illustrates why you need to compare rates from multiple companies using your own individual information.
One of the more important considerations that are used to help calculate the amount you pay for auto insurance is where you live. Cities with larger populations or higher claim trends tend to have more expensive car insurance rates, whereas areas with less crime or weather claims get the luxury of paying less.
The table below sorts the priciest cities in California for 20 year old guys to purchase car insurance in. San Diego is listed at #24 with an annual premium of $1,327 for the average policy, which is around $111 monthly.
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Prices are estimated as zip code location can influence price quotes greatly.
Ending up with a good quality insurance provider is hard considering how many different companies insure vehicles in California. The company ratings listed below could help you pick which auto insurance companies to look at purchasing a policy from.
The ratings below are only comprised of companies who write in the majority of U.S. states, so companies that may only write in California are not included in the list. To check rates and find the cheapest rates for 20 year old guys, click this link.
Top 10 Large Auto Insurance Providers in San Diego Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
The example below illustrates how choosing a deductible can affect insurance premiums when trying to find cheap insurance for 20 year old guys. The information is based on a married male driver, full physical damage coverage, and no discounts are applied.
As shown above, a 40-year-old driver could save $308 a year by changing from a $100 deductible to a $500 deductible, or save $466 by switching to a $1,000 deductible. Youthful drivers, like the Age 20 category, could lower their rates up to $1,026 or even more by using a higher deductible. If you do raise deductibles, it will now be necessary to have enough savings set aside to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
Types of discounts on San Diego auto insurance
Insurance providers that offer cheap quotes for 20 year old guys may also provide policy discounts that could lower prices by 30% or more if you can meet the requirements. A list of insurance companies and a selection of discounts are detailed below.
- State Farm may include discounts for defensive driving training, good student, Drive Safe & Save, multiple autos, multiple policy, and anti-theft.
- Esurance has discounts for renters, defensive driver, claim free, online quote, safety device, and online shopper.
- Progressive discounts include multi-policy, continuous coverage, online quote discount, homeowner, and online signing.
- Liberty Mutual offers premium reductions for safety features, preferred payment discount, new graduate, exclusive group savings, teen driver discount, new vehicle discount, and newly married.
- Auto-Owners Insurance may have discounts that include company car, paid in full, teen driver, safe vehicle, mature driver, good student, and anti-theft.
- GEICO offers discounts including federal employee, multi-vehicle, air bags, good student, driver training, and seat belt use.
The information below compares auto insurance rates with and without discounts. The premiums are based on a male driver, no driving violations, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with paperless filing, paid-in-full, continuous coverage, anti-theft, good student, and vehicle safety discounts applied. When these discounts are applied, the average amount saved each year on insurance for 20 year old guys is 18% or $632.
The agents below can answer your questions and help you decide which auto insurance policy fits you best, since many consumers aren’t sure which coverage to buy and prefer to get some guidance when shopping for the best coverage for 20 year old guys. It’s not always easy to find coverage yourself, so a licensed agent can bring peace of mind knowing your coverage gives you sufficient coverage at claim time.
To find an agent near you, click the link at the bottom.
Stanley Wong Insurance
4619 Convoy St # C – San Diego, CA 92111 – (858) 569-0383
Allstate Insurance: PGC Insurance Agency
6919 Paradise Valley Rd, # A9 – San Diego, CA 92139 – (619) 773-2300
Theresa Nguyen-Muth – State Farm Insurance Agent
6650 Flanders Dr F – San Diego, CA 92121 – (858) 450-6000
Rod Thelen – State Farm Insurance Agent
110 W A St #775 – San Diego, CA 92101 – (619) 234-4882
Ideas for buying low-cost insurance for 20 year old guys
The list below shows some of the recommended thrifty solutions that can help you locate more affordable coverage.
- Higher credit scores may earn you cheaper rates
- Keep your driving record clean
- Do not get into accidents that are your fault
- The safer your car, the less it costs to insure
- Raise comprehensive and collision coverage deductibles
- Keep rates low by comparing prices once a year
That last piece of advice is particularly necessary, as we emphasized in the article above. Prices charged by car insurance companies in San Diego fluctuate constantly, so drivers shouldn’t hesitate to switch carriers if you can save money.
Having a favorite company is fine, but it’s not a good idea if that stubbornness costs you hundreds every year. Take a few minutes and compare rates and find cheaper car insurance for 20 year old guys.