For student drivers, one of the largest criteria that are looked at to help calculate the annual cost of car insurance is where you choose to live. Areas with a lot of weather claims or more people will most likely pay more, whereas areas that tend to be more rural benefit from having to pay less for coverage.
The next table lists the priciest cities in California for good students to purchase a policy in. San Diego comes in at #24 costing $1,327 for the average insured, which is approximately $111 each month.
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Rate quotes are comparative as the specific garaging location can revise auto insurance rates substantially.
The vehicle you are insuring is a significant factor when comparing the cheapest insurance for good students. Vehicles with reasonable performance levels, an excellent safety record, or a track record of few liability claims will cost less to insure than fast, unsafe models. The table below features coverage costs for a selection of the most affordable vehicles to buy coverage for.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Honda CR-V EX-L 4WD||$3,426|
|Ford Escape XLT 4WD||$3,433|
|Honda Accord EX-L 4-Dr Sedan||$3,634|
|Ford Edge SEL AWD||$3,997|
|Toyota Tacoma 2WD||$4,002|
|Dodge Grand Caravan Hero||$4,028|
|Chevrolet Impala LT||$4,034|
|Chevrolet Silverado LS Extended Cab 4WD||$4,028|
|GMC Sierra SLE Regular Cab 2WD||$4,036|
|Chevrolet Equinox LT AWD||$4,028|
|Toyota RAV4 Limited 4WD||$4,038|
|Ford Explorer Limited 4WD||$4,060|
|Chevrolet Malibu LT||$4,065|
|Ford F-150 Lariat Crew Cab 4WD||$4,060|
|Ford Focus SES 4-Dr Sedan||$4,203|
|Honda Odyssey EX-L||$4,234|
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Price data assumes single female driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium amounts do not factor in zip code location which can increase or decrease premium rates greatly.
Based upon these rates, we can conclude that cars like the Honda CR-V, Ford Escape, and Honda Accord are some of the less-costly vehicles to insure for student drivers.
Driving violations and accidents
In a perfect world, the ideal way to score cheap car insurance premiums in San Diego for student drivers is to be a cautious driver and maintain a clean driving record. The illustration below demonstrates how citations and at-fault fender-benders drive up insurance rates for each different age group. The rate quotes are based on a married male driver, full coverage, $500 deductibles, and no other discounts are factored in.
The data in the chart shows the average cost of car insurance per year with no violations or accidents is $2,396. Add in two speeding tickets and the average cost rises to $3,307, an increase of $911 each year. Now add in one accident along with the two speeding tickets and the annual cost of car insurance for good students increases to an average of $4,227. That’s an increase of $1,831, or $153 per month, just for not paying attention while driving!
Types of discounts on San Diego auto insurance
Car insurance companies that sell policies for good students may additionally offer rate discounts that could reduce prices by as much as 35% or more if you meet certain criteria. Popular car insurance companies and some of the discounts are detailed below.
- Progressive may include discounts for continuous coverage, good student, online signing, online quote discount, homeowner, multi-vehicle, and multi-policy.
- SAFECO offers discounts including accident prevention training, teen safe driver, drive less, bundle discounts, homeowner, and multi-car.
- American Family includes discounts for air bags, defensive driver, multi-vehicle, TimeAway discount, early bird, and good driver.
- MetLife discounts include claim-free, defensive driver, multi-policy, good student, good driver, and accident-free.
- GEICO has discounts for good student, defensive driver, membership and employees, anti-theft, and driver training.
- The Hartford offers premium reductions for air bag, anti-theft, good student, bundle, vehicle fuel type, and defensive driver.
The illustration below illustrates the comparison of car insurance costs with and without discounts applied to the policy premium. The data assumes a male driver, a clean driving record, no claims, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with paid-in-full, paperless filing, continuous coverage, good student, passive restraint, and vehicle safety discounts applied. When drivers qualify for the discounts, theamount saved on car insurance for good students is 28% or $918.
The agents listed below can help you decide which insurance coverage will be best for you, since some drivers aren’t sure which coverage they need and prefer to have some advice when comparing insurance rates for good students. It can be difficult to find the best coverage yourself, so insurance agents can bring satisfaction knowing your coverage gives you suitable coverage if you ever need to use it.
To locate an agency close to you, click the button at the bottom or click here to compare price quotes.
Steve Lewis – State Farm Insurance Agent
7424 Jackson Dr Ste 7 – San Diego, CA 92119 – (619) 466-3276
Matt Kalla – State Farm Insurance Agent
4148 Voltaire St – San Diego, CA 92107 – (619) 223-1629
Allstate Insurance: PGC Insurance Agency
6919 Paradise Valley Rd, # A9 – San Diego, CA 92139 – (619) 773-2300
How to find more affordable car insurance for good students
The list below details some of the recommended thrifty ideas that can help drivers find cheap auto insurance.
- Pay for smaller claims out-of-pocket
- Speeding tickets and other violations increase rates
- Clean up your credit
- At-fault accidents will increase rates
- Safer vehicles cost less to insure
- Compare prices frequently to find the best deal
That final tip is especially necessary, as was affirmed in the prior information. Coverage prices can be modified anytime, so drivers shouldn’t be reluctant to buy from a different company if a cheaper rate is available.
Brand loyalty is great, but it isn’t a good idea if that loyalty results in overpaying a lot of money every month. If you have a few minutes, now is a great time to compare rates and find cheaper auto insurance for good students in San Diego.