Cheap Auto Insurance for Drivers Under 25 in California

The words “economical” and “insurance” probably shouldn’t be used in the same sentence, specifically when comparison shopping for the best coverage prices for drivers under 25. Because of the high cost, let’s teach you some things that impact insurance premiums, and come up with some ideas to shave a little off the next policy you buy.

The car, truck, or SUV driven is a large factor when consumers are trying to find cheap car insurance for drivers under 25 in California. Vehicles with high performance engines, poor safety features, or a track record of large liability claims will cost much more to insure than more modest models. The information below features auto insurance costs for the cheapest automobiles to buy insurance for.

Data rating is based on single female driver age 20, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, and safe-driver. Table data does not factor in specific zip code location which can raise or lower price quotes significantly.

Based upon the rates shown, we can assume that cars like the Hyundai Elantra, Honda CR-V, Ford Escape, and Honda Accord will definitely be a few of the most economical vehicles to insure for drivers age 25 and younger. Auto insurance rates will tend to be higher just because there is more liability exposure for drivers under 25, but overall those specific models will have the least expensive rates possible.

When shopping for insurance for drivers age 25 and younger, one of the many factors that influence the policy price is where you call home in California. Cities with larger populations or higher claims like Glendale, Oakland, and Sacramento are more likely to have higher rates, whereas areas with less congestion can boast about having cheaper rates.

The table below lists the highest-priced places in California for drivers under 25 in which to purchase auto insurance.

Rate quotes are approximated as the specific geographic location can raise or lower rates considerably.

The diagram below highlights how deductible selection can raise or lower insurance costs when searching for cheap insurance for drivers under 25. The data is based on a single female driver, comp and collision included, and no policy discounts are applied.

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A 40-year-old driver could reduce rates by $476 a year by switching from a $100 deductible up to a $500 deductible, or save $712 by changing to a $1,000 deductible. Even younger insureds, like the 20-year-old category, have the ability to save as much as $1,216 annually just by choosing higher deductibles.

When using a larger deductible, it’s a good idea to have plenty of savings on hand to offset the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

Allstate, Geico, Progressive, or State Farm: Who is cheapest?

If you’re looking for the best auto insurance for drivers age 25 and younger, some of the first companies to look at are Allstate, Geico, Progressive, and State Farm. Combined they make up 48.5% of the car insurance market in the United States. The next table breaks down some of the different features that are available for customers.