The vehicle you are buying coverage for is probably the biggest factor when comparing low-cost car insurance for teenage males. Vehicles with lower performance, good crash test ratings, or a low likelihood of having liability claims will cost significantly less to insure than higher performance models.
The list below estimates insurance rates for a handful of the most budget-friendly automobiles to insure.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Ford Escape XLT 2WD||$3,716|
|Hyundai Elantra GLS Touring Station Wagon||$3,723|
|Honda CR-V LX 2WD||$3,716|
|Dodge Grand Caravan CV||$4,179|
|Ford F-150 XLT Super Cab 2WD||$4,189|
|Ford Focus S 4-Dr Sedan||$4,373|
|Nissan Altima 2.5 4-Dr Sedan||$4,408|
|Chevrolet Impala LT||$4,415|
|Toyota RAV4 Limited 4WD||$4,408|
|Toyota Tacoma Double Cab TRD Off-Road Package 4WD||$4,445|
|Chevrolet Malibu LT||$4,454|
|Ford Explorer Limited 4WD||$4,445|
|Jeep Wrangler Unlimited Sport 2WD 4-Dr||$4,631|
|Toyota Corolla LE||$4,635|
|Ford Edge Sport 2WD||$4,645|
|Honda Odyssey EX-L W/Rear Entertainment||$4,635|
|Toyota Camry SE||$4,641|
|Volkswagen Jetta SEL 4-Dr Sedan||$4,672|
|Jeep Grand Cherokee Limited 4WD||$4,679|
|Chevrolet Equinox LTZ AWD||$4,672|
|GMC Sierra SLT Crew Cab 2WD||$4,679|
|Chevrolet Silverado 3500HD LT Crew Cab 2WD||$4,708|
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Table data represents single male driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium costs do not factor in specific location which can modify auto insurance rates noticeably.
Looking at the rates, cars like the Ford Escape, Hyundai Elantra, Honda CR-V, Toyota Prius, and Dodge Grand Caravan will be a few of the most affordable vehicles to insure for teen boys. The price for an auto insurance policy will be higher anyway just because there is more liability risk for teenage males, but generally speaking those makes and models will have the cheapest rates compared to all other vehicles.
One of the more important factors that are looked at to help calculate the amount you pay each year for auto insurance is where you keep your vehicle in San Diego. Areas with a lot of weather claims or more people tend to have higher auto insurance costs, whereas areas with less people or fewer weather incidents can boast about having cheaper rates.
The following table sorts the most expensive places in California for teenage males to purchase a policy in. San Diego shows up at #19 costing $1,381 for car insurance, which is around $115 monthly.
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Rate quotes are estimated as zip code location can alter prices greatly.
Figuring out which company quotes the lowest-priced auto insurance rates for teenage males involves more work than just quoting one company’s rates. Each auto insurer uses their own calculation to set their prices, so to begin we’ll rank the auto insurance companies that tend to be cheaper in San Diego.
Find the Best Cheap Insurance for Teens
|Rank||Company||Cost Per Year|
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USAA normally has some of the cheapest car insurance rates in San Diego at around $1,109 a year. This is $542 less than the average policy premium paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide also are some of the best San Diego, CA insurance companies.
As depicted above, if you are a customer of Wawanesa and switched to USAA, you might see a yearly savings of around $72. California drivers with CSAA might save as much as $125 a year, and Nationwide insureds might see rate reductions of $154 a year.
To see if you’re overpaying, click here to start your custom quote or visit several of the following companies.
Bear in mind that those policy rates are averages for all insureds and vehicles and do not factor in an exact zip code location for teenage males. So the car insurance company that has the cheapest price for you may not even be in the top 24 companies in the list above. That underscores the importance of why you need to quote rates from as many companies as possible using your own personalized driver profile and vehicle information.
Accidents and violations increase rates
The ideal way to score good auto insurance prices for teen boys is to pay attention while driving and avoid accidents and traffic violations. The example below shows how violations and fender-benders can influence premium costs for different ages of insureds. The information is based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.
The data above shows the average cost of an auto insurance policy in California per year with no accidents and a clean driving record is $2,003. Receive two speeding tickets and the average cost hikes up to $2,643, an increase of $640 each year. Now include two accidents along with the two speeding tickets and the yearly cost of auto insurance for teenage males goes up to an average of $5,208. That’s an increase of $3,206, or $267 per month, just for not driving safely!
Discount San Diego car insurance rates
Insurers that offer cheap quotes for teenage males may also give you special discounts that may potentially lower prices by as much as 30% if you are eligible to receive them. Popular auto insurance companies and a selection of discounts are shown below.
- Farm Bureau offers premium reductions for renewal discount, youthful driver, good student, multi-vehicle, safe driver, multi-policy, and 55 and retired.
- State Farm offers discounts including multiple autos, Steer Clear safe driver discount, accident-free, safe vehicle, and driver’s education.
- Progressive policyholders can earn discounts including multi-vehicle, good student, continuous coverage, homeowner, and online signing.
- Allstate discounts include utility vehicle, 55 and retired, teenSMART discount, defensive driver, early signing, anti-theft, and passive restraint.
- Nationwide offers discounts for easy pay, Farm Bureau membership, family plan, accident-free, and multi-policy.
- MetLife may include discounts for defensive driver, good driver, multi-policy, accident-free, and claim-free.
The diagram below shows the comparison of insurance prices with and without discounts applied to the premium. The prices are based on a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full coverage, and $500 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with paid-in-full, continuous coverage, passive restraint, anti-theft, paperless filing, and good student discounts applied. When discounts are factored in, theaverage yearly reduction on auto insurance for teenage males is 28% or $711.
Liability-only versus full coverage
Saving money when shopping for auto insurance is important to the majority of drivers, and one of the best ways to save on the cost of insurance for teenage males is to only buy liability coverage. The chart below shows the difference between insurance premiums with full coverage compared to only the California minimum liability coverage. The rates are based on no accidents or driving violations, $250 deductibles, single marital status, and no additional discounts are factored in.
As an overall average, physical damage coverage on your policy costs $2,558 per year over liability only. That may make you wonder if buying full coverage is worth the money. There is no definitive formula to delete comp and collision coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is more than about 10% of the settlement you would receive from your company, then you might want to consider buying only liability coverage.
For example, let’s say your vehicle’s book value is $11,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $10,000 after the policy deductible has been paid. If you are paying more than $1,000 annually for your policy with full coverage, then you might consider buying liability only.
If you would rather have the advice of a professional agent when buying car insurance for teen boys, the professional agents shown below are a good start to provide answers to your questions and help you determine which coverages and limits you need. To find a San Diego insurance agent using an interactive map, click the button after the list.
- B H Gold Insurance
9699 Tierra Grande St # 100 – San Diego, CA 92126 – (800) 421-4653
- Albert Quiroga – State Farm Insurance Agent
8240 Mira Mesa Blvd G – San Diego, CA 92126 – (858) 695-8000
- Farmers Insurance: James Calafata
4325 Cass St – San Diego, CA 92109 – (858) 483-7171
- Barney and Barney Insurance Services LLC
9171 Towne Centre Dr Suite 500 – San Diego, CA 92122 – (800) 321-4696
How to find more affordable insurance for teenage males
The list below summarizes some of the recommended thrifty solutions that can help you find lower-cost car insurance.
- Avoid speeding and other traffic citations and pay less
- Having at-fault accidents will increase rates
- Increase the comprehensive and collision deductibles on your policy
- Buy vehicles with five-star safety ratings
- Full coverage may not be needed on older vehicles
- Drivers with good credit often pay less
- Shop around for cheaper prices
That last idea is especially necessary, as was pointed out in the article above. Prices charged by companies can be changed at any time, so don’t hesitate to buy from a different company if you find a cheaper price. We understand brand loyalty, but it isn’t a good idea if that loyalty results in overpaying hundreds every year. Take a couple minutes and compare rates and find cheaper car insurance for teenage males in San Diego.