Cheap Auto Insurance Quotes for 16 Year Olds in California

Performance level and cost of the vehicle you are trying to insure is one of the main factors when looking for cheap car insurance for 16 year olds in California. Vehicles with average performance, modern passenger safety features, or a track record of few liability claims will cost substantially less to insure than fast, unsafe models. The next tables outlines coverage premiums for some of the cheapest vehicles to buy coverage for.

Price data assumes single female driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium amounts do not factor in garaging location in California which can raise or lower premium rates noticeably.

Prices based on single female driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate quotes do not factor in vehicle location which can alter premiums noticeably.

Prices above based on single female driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Price information does not factor in California location which can affect price quotes greatly.

For California drivers, one of the criteria that auto insurance companies take into consideration when calculating the cost of insurance is your address. Cities with larger populations like Los Angeles, San Francisco, and Sacramento tend to pay slightly more, whereas cities that are not as densely populated benefit from lower prices.

The following table shows the higher priced cities in California for 16 year olds to buy an auto insurance policy in.

Information shown are approximated as the specific geographic location can modify rates substantially.

Trying to buy budget auto insurance is not most people’s favorite thing to do, and finding out which company quotes the best auto insurance rates for 16 year olds involves more quotes for comparison. Prices will be much greater than the average price in California attributed to the higher likelihood of claims that goes along with selling coverage for new drivers, but affordable coverage should be available if you do a thorough comparison. Every insurance company uses their own calculation to determine rates, so we’ll go over the auto insurance companies that tend to be cheaper in California.

It’s important that readers know that California auto insurance rates are determined by lots of factors which can significantly increase or decrease the price you pay for coverage. This price fluctuation is why it is crucial to shop around with many companies when trying to get the most economical car insurance rates for 16 year olds. Car insurance prices can be determined by many factors and change substantially, so the lowest-price company when you bought your policy may now be priced much higher than other options.

Find the Cheapest Auto Insurance for Teens

Click to Compare Rates Now

USAA has some of the cheapest car insurance rates in California at around $1,109 a year. Wawanesa, Century National, CSAA, and Nationwide also make the cut as some of the lowest-priced California car insurance companies.

As shown above, if you are insured with Century National and switched to USAA, you could realize a yearly savings of roughly $81. Policyholders with CSAA might save as much as $89 a year, and Nationwide policyholders might see rate reductions of $141 a year.

To find cheap car insurance for 16 year olds in California for your vehicle, click here or visit any of the companies below.

It’s important to note that these premiums are averaged for all drivers and vehicles and do not factor in a price increase for 16 year olds. So the car insurance company that can offer the best rates for your situation may not even be featured in the list above. That affirms the importance of why you need to get rate quotes from many companies using your own personal information and vehicle type.

Discount California insurance rates

Insurers that sell cheap car insurance for 16 year olds in California may provide price discounts that may potentially lower prices by as much as 35% or more if you meet specific criteria. Popular auto insurance companies and a selection of discounts can be found below.

• GEICO has discounts for multi-vehicle, emergency military deployment, anti-theft, federal employee, driver training, and seat belt use.
• Mercury Insurance may have discounts that include type of vehicle, multi-policy, ease of repair, multi-car, location of vehicle, professional/association, and accident-free.
• Farmers Insurance offers discounts including electronic funds transfer, distant student, good student, youthful driver, business and professional, and teen driver.
• Auto-Owners Insurance may include discounts for safe vehicle, good student, anti-lock brakes, safe driver, paid in full, student away at school, and teen driver.
• Liberty Mutual offers premium reductions for teen driver discount, newly married, multi-policy, good student, safety features, and multi-car.
• SAFECO has savings for anti-theft, multi-car, anti-lock brakes, teen safe driver, safe driver, and drive less.
• Progressive offers discounts for good student, multi-vehicle, multi-policy, homeowner, online quote discount, and continuous coverage.
• USAA includes discounts for driver training, loyalty savings, good student, military installation, vehicle storage, safe driver, and multi-policy.

The information below visualizes the comparison of insurance costs with and without discounts. The premium estimates are based on a male driver, no claims, a clean driving record, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with paperless filing, anti-theft, good student, passive restraint, continuous coverage, and vehicle safety discounts applied. With discounts applied, the the amount saved on auto insurance for 16 year olds is 28% or $844.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 16’, 6451,4617],[‘Age 30’, 2071,1507],[‘Age 40’, 2035,1477],[‘Age 50’, 1851,1347],[‘Age 60’, 1791,1295]]);var options = {title: ‘Effect of Discounts on Insurance Rates for 16 Year Olds’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in California’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Careless driving habits raise auto insurance rates

The best way to receive cheap auto insurance prices in California for new drivers is to be a careful driver and avoid accidents and traffic violations. The example below illustrates how traffic citations and at-fault collisions raise insurance prices for each different age category. The rates are based on a single female driver, full coverage, $100 deductibles, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 4813,5949,7095],[‘Age 30’, 3329,4467,5615],[‘Age 40’, 3087,4223,5371],[‘Age 50’, 2697,3831,4981],[‘Age 60’, 2607,3743,4891],[‘Age 70’, 3037,4173,5323]]);var options = {title: ‘Impact of Tickets and Accidents on California Insurance Premiums’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in California’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the previous chart, the average cost of auto insurance in California per year with no accidents and a clean driving record is $3,262. Receive two speeding tickets and the average cost hikes up to $4,398, an increase of $1,136 each year. Now include one accident along with the two speeding tickets and the annual cost of auto insurance for 16 year olds goes up to an average of $5,546. That’s an increase of $2,284, or $190 per month, just for being a less-than-perfect driver!

Is the best company Progressive, State Farm, Geico, or Allstate?

When comparing rates for auto insurance for new drivers in California, four good companies to start with are Progressive, State Farm, Geico, and Allstate. When combined, they have about 50% of all car insurance policies in America. All of them offer liability and physical damage protection, but each on has different features and discounts that can influence your buying decision. The next table rates some of the ratings and options .