Wouldn’t it be perfect if we could instantly tell you the one perfect company that has the lowest car insurance rates for 16 year olds? Regrettably, it’s not quite that easy, as there are a whole slew of unknowns like your credit rating, whether or not your vehicle has good safety ratings, and whether or not you own a home. We will try to teach you about the causes of high insurance rates and will hopefully give you a good start to your coverage search.
The type of vehicle on the policy is one of the largest considerations when quoting cheaper auto insurance for 16 year olds. Vehicles with lower performance, a plethora of safety features, or a low likelihood of having liability claims will cost quite a bit less to insure than higher performance models. The table below features insurance rates for a number of the cheaper automobiles to buy coverage for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX-P 4-Dr Sedan | $3,490 |
| Honda CR-V EX 2WD | $3,499 |
| Ford Escape XLS 4WD | $3,490 |
| Toyota Prius | $3,768 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $3,892 |
| Honda Odyssey LX | $3,901 |
| Ford F-150 XL Super Cab 4WD | $3,924 |
| Chevrolet Impala LS | $4,104 |
| Ford Edge SEL AWD | $4,114 |
| Jeep Grand Cherokee Laredo 4WD | $4,136 |
| Toyota RAV4 Limited 4WD | $4,145 |
| Chevrolet Malibu Hybrid | $4,136 |
| Volkswagen Jetta LE 4-Dr Sedan | $4,146 |
| Ford Explorer Eddie Bauer 4WD | $4,170 |
| Dodge Grand Caravan SXT | $4,175 |
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Prices based on 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. Price information does not factor in specific location which can impact premiums greatly.
Looking at the rates, models like the Honda Accord, Honda CR-V, and Ford Escape will definitely be a few of the cheapest vehicles to insure for new drivers. Auto insurance rates will be more costly just because there is more risk for 16 year olds, but generally speaking those particular vehicles will most likely have the cheapest rates possible.
For new drivers, one of the largest components that are looked at to help calculate the cost of insurance is where you choose to live. Larger areas will most likely pay more, whereas areas that tend to be more rural receive better rates.
The information below rates the highest-priced places in California for 16 year olds to buy car insurance in. Chula Vista is ranked at #25 with the annual price of $1,311 on average, which is around $109 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Glendale | $2,142 |
| 2 | Los Angeles | $2,083 |
| 3 | Oakland | $1,738 |
| 4 | San Francisco | $1,711 |
| 5 | Sacramento | $1,652 |
| 6 | San Bernardino | $1,628 |
| 7 | Stockton | $1,603 |
| 8 | Long Beach | $1,578 |
| 9 | Santa Clarita | $1,533 |
| 10 | Fontana | $1,519 |
| 11 | Garden Grove | $1,508 |
| 12 | Modesto | $1,502 |
| 13 | Riverside | $1,497 |
| 14 | Moreno Valley | $1,491 |
| 15 | Fresno | $1,472 |
| 16 | Santa Ana | $1,439 |
| 17 | Anaheim | $1,430 |
| 18 | San Jose | $1,423 |
| 19 | Fremont | $1,403 |
| 20 | Huntington Beach | $1,360 |
| 21 | Irvine | $1,343 |
| 22 | Bakersfield | $1,340 |
| 23 | San Diego | $1,327 |
| 24 | Oxnard | $1,318 |
| 25 | Chula Vista | $1,311 |
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Rate information is estimated as zip code location can increase or decrease insurance rates greatly.
Establishing which companies offer the lowest-priced auto insurance rates for 16 year olds will involve a bit more work than just comparing rates from one or two companies.
Every insurance provider has their own formula to set policy rates, so let’s take a look at the auto insurance companies with the overall cheapest rates in California.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Wawanesa | $1,146 |
| 3 | Century National | $1,190 |
| 4 | CSAA | $1,222 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,433 |
| 8 | Mercury | $1,488 |
| 9 | Allstate | $1,513 |
| 10 | GEICO | $1,529 |
| 11 | Allied | $1,541 |
| 12 | Progressive | $1,542 |
| 13 | The Hartford | $1,591 |
| 14 | MetLife | $1,638 |
| 15 | State Farm | $1,699 |
| 16 | Unitrin | $1,750 |
| 17 | Esurance | $1,756 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,806 |
| 20 | Farmers | $1,946 |
| Find Your Rate Go | ||
USAA offers some of the most affordable car insurance rates in Chula Vista at around $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 also some of the best Chula Vista, CA car insurance companies.
In the above rates, if you currently buy coverage from CSAA and switched to Wawanesa, you could see an annual premium reduction of around $76. Insureds with Nationwide could save as much as $104 a year, and 21st Century customers might realize rate reductions of up to $233 a year.
If you want to find out if you’re overpaying, click here to get a free quote or click through to the companies below.
Understand that those prices are averages across all types of drivers and the different vehicles they drive and are not factoring in an exact vehicle garaging location for 16 year olds. So the auto insurance company that can offer you the lowest price may not even be in the top 24 companies in the list above. That points out the importance of why you need to compare rates from multiple companies using your own driver information and specific vehicle type.
Types of discounts on Chula Vista car insurance rates
Insurance companies that sell policies for 16 year olds may additionally offer price discounts that can lower rates by 25% or more if you qualify. Large auto insurance companies and the discounts they provide are:
- State Farm includes discounts for multiple policy, defensive driving training, accident-free, student away at school, and good driver.
- GEICO may include discounts for multi-policy, anti-theft, federal employee, military active duty, five-year accident-free, membership and employees, and driver training.
- Allstate policyholders can earn discounts including senior citizen, safe driver, auto/life discount, resident student, and anti-lock brakes.
- SAFECO discounts include homeowner, anti-theft, accident prevention training, safe driver, teen safe driver, and multi-car.
- Farm Bureau offers discounts including safe driver, youthful driver, 55 and retired, multi-policy, renewal discount, driver training, and good student.
- Progressive offers discounts for online quote discount, multi-policy, online signing, good student, and multi-vehicle.
- AAA has discounts for multi-car, pay-in-full, good student, multi-policy, and AAA membership discount.
The diagram below compares premium costs with and without discounts applied to the premium. The data assumes a female driver, a clean driving record, no claims, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with anti-theft, passive restraint, continuous coverage, paid-in-full, paperless filing, and good student discounts applied. In this example, the average amount saved each year on auto insurance for 16 year olds is 28% or $641.
The information below shows how different deductible levels can change insurance costs when trying to find cheap insurance for 16 year olds. The rate quotes are based on a married female driver, full physical damage coverage, and no discounts are taken into consideration.
The chart above illustrates that a 40-year-old driver could lower rates by $300 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $456 by changing to a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, could roll back prices $750 each year by choosing larger deductibles on their policy. If you do raise deductibles, it is essential to have additional funds in a savings account to offset the extra out-of-pocket expense that comes with higher deductibles.
Impact of violations and accidents on rates
The easiest way to find good auto insurance prices in Chula Vista for new drivers is to be a careful driver and not get tickets or have accidents. The information below highlights how traffic violations and at-fault fender-benders can raise insurance rates for different age groups. The rates are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.
The data charted above shows the average cost of auto insurance in Chula Vista per year with no violations or accidents is $2,633. Factor in one speeding ticket and the average cost increases to $3,028, an increase of $395 each year. Now include two accidents along with the one speeding ticket and the yearly cost of auto insurance for 16 year olds jumps again to an average of $6,453. That’s an increase of $3,821, or $318 per month, just for not keeping your driving record clean!
If you would rather get some guidance when comparing insurance rates for new drivers, the agents below can probably provide answers to your questions and help you determine which coverages you need.
To locate a Chula Vista car insurance agency by location nearest to you, click the button link following the list.
Hotwire Insurance
555 Broadway #2018 – Chula Vista, CA 91910 – (877) 221-0676
Lee Meyer – State Farm Insurance Agent
826 Starboard St – Chula Vista, CA 91914 – (619) 656-5020
Farmers Insurance – Patricia Ruiz
2568 Waterline Way – Chula Vista, CA 91914 – (619) 482-7011
Farmers Insurance – Charles Phillips
642 3rd Ave a – Chula Vista, CA 91910 – (619) 585-3484
Areli’s Insurance Services
1010 Broadway #7 – Chula Vista, CA 91911 – (619) 409-1690
More insurance agents in Chula Vista, CA
How to find cheaper car insurance for 16 year olds
Below you’ll find some penny-pinching ideas that can help Chula Vista drivers buy cheaper auto insurance.
- Save money by insuring older vehicles for liability only
- Higher comprehensive and collision coverage deductibles will save money
- Don’t have frequent claims
- Just one traffic violation will increase your rates
- Avoid having at-fault accidents
- Check for cheaper rates once a year
That final tip is especially vital, as we hit on in the article above. Auto insurance prices in Chula Vista vary considerably, so don’t be tentative to change insurance companies if a lower price can be found. Many drivers tend to have loyalty to a certain company, but it’s not a great idea if that stubbornness costs you a fortune every year. If you have a few minutes, compare prices to find cheaper auto insurance for 16 year olds.