Best Cheap Car Insurance Quotes for a 20 Year Old Male in California

Wouldn’t it be nice if we could instantly tell you the single company that has the best deal on coverage for 20 year old guys? It’s not that easy, however, as there are a whole bunch of unknowns such as whether you are a new or experienced driver, whether you are married or single, and where you live in California. This article delves into the best ways to compare rates and will hopefully give the reader a solid foundation to find cheaper car insurance in California.

For young men, one of the big criteria that play a part in determining the amount you pay each year for auto insurance is where your residence is. Areas with high crime rates or more dense population like Los Angeles, Oakland, and Sacramento will most likely have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates have the gratification of the best cheap auto insurance for 20 year old guys in California.

The information below lists the highest-priced places in California for 20 year old guys to buy an auto insurance policy in.

Rate quotes are approximated as specific California garaging address can decrease or increase coverage rates considerably.

Trying to buy cheap auto insurance is tough enough, and figuring out which companies have the most affordable car insurance rates for 20 year old guys involves even more shopping around. Insurance rates could be significantly pricier than the average rate in California, with the extra cost attributed to the extra risk associated with selling insurance for young men, but competitive coverage should be possible if you find the right company.

Each auto insurance company has a unique formula to set premium rates, so first let’s look at the rankings for the car insurance companies with the most affordable rates in California. It’s a good idea to be aware that California car insurance rates are influenced by many factors that control the policy premium. This is why consumers need to spend some time comparing rates to find cheap car insurance rates for 20 year old guys. Insurance prices are made up of many risk factors and can decrease or increase without notice, so the lowest-price company three years ago may now not even be in the top five.

Cheap Insurance Rates for Men Age 20

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USAA has some of the most affordable car insurance rates in California at around $1,121 a year. Wawanesa, Century National, CSAA, and Nationwide are also some of the lowest-priced California car insurance companies.

In the above rates, if you are currently insured with CSAA and switched to Wawanesa, you might see a yearly savings of in the vicinity of $76. Insureds with Nationwide may save as much as $80 a year, and 21st Century insureds might reduce prices by as much as $233 a year.

These prices are averaged for all drivers and vehicles in California and do not factor in a price surcharge for 20 year old guys. So the company that has the lowest price for you may not even be featured in the list of companies shown earlier. That helps illustrate why you need to get car insurance quotes using your own individual information.

Progressive, State Farm, Geico, and Allstate compared

When shopping for auto insurance for young men in California, four companies to consider are Progressive, State Farm, Geico, and Allstate. The following table shows pricing and service ratings, as well as optional policy coverages .

Cheapest insurance quotes for young men

Due to technology, there are many ways to shop around for car insurance in California, but the most frequently used are through an independent or non-exclusive agent, an exclusive insurance agent like State Farm or Liberty Mutual, or buying direct from a company like Progressive or Geico. They all follow the same basic process, but buyers should know the differences in how they function.

Independent agents work for many companies and can get rate quotes from all of them. They are not required to write business for one company and can provide multiple price quotes, which can give you improved chances of finding a lower rate. If a cheaper rate is found, they simply move the coverage in-house and you don’t have to switch agencies.

Exclusive agents are limited to one company, two examples are a State Farm or Liberty Mutual agent. These agents are unable to quote rates from more than one company, so if rates are high, they cannot give you alternative choices.

The last way is buying direct, which means you skip either of the other two types of agents and buy direct online or over the phone from a company like Geico or Progressive. Shopping direct can be good for drivers who have fewer assets and have a good understanding of what limits they need.

So which method is best to buy the best cheap auto insurance for 20 year old guys in California? We wish we could say buying from a direct car insurance company results in the cheapest price since it doesn’t require paying agent commissions, but in reality, that is not the case. It could also be said buying car insurance from an independent agent results in the cheapest rates because they can quote many companies, but that is not necessarily true either. And occasionally, the exclusive agents have very competitive rates that independents and direct companies can’t touch.

Because there is so much variation in car insurance prices, really the best method to buy the cheapest policy is to obtain price quotes and compare them. It’s a good idea to get prices from all three to get an idea of which is cheapest. For a list of car insurance companies with low rates, click here to view.