Cheap Car Insurance for Inexperienced Drivers in California

Buying affordable insurance is not the easiest thing to do, and determining which companies offer the most affordable insurance rates for inexperienced drivers may require even more diligence. Every car insurance company has their own guidelines to set premium rates, so let’s begin by taking a look at the most affordable insurance companies in California.

It’s important that readers know that California insurance rates are determined by lots of factors that can increase the price you pay for coverage. Simply having another birthday, moving to a new city, or having an accident may cause policy rate changes that may make certain companies higher when they were quite affordable.

Find the Best Cheap Insurance for Newbies

Compare Rates and Save

USAA normally has some of the cheapest car insurance rates in California at around $1,121 annually. Wawanesa, Century National, CSAA, and Nationwide also rank well as some of the cheaper California auto insurance companies.

As illustrated above, if you currently have a policy with Century National and switched to USAA, you might realize a yearly savings of about $93. Insureds with CSAA may save as much as $113 a year, and Nationwide policyholders might see rate reductions of $129 a year.

It’s important to note that these policy rates are averages for all types of insureds and vehicles and are not factoring in a rate decrease for inexperienced drivers. So the auto insurance company that can offer you the lowest price may not even be included in the list above. That point stresses why you need to compare prices as often as possible using your own specific driver and vehicle information.

The vehicle you are buying coverage for is probably the biggest factor when quoting cheap car insurance for inexperienced drivers in California. Vehicles with lots of horsepower, poor safety features, or a history of substantial liability claims will cost much more to insure than safer models. The next tables presents auto insurance premiums for a selection of the cheaper automobiles to insure in California.

Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Prices do not factor in your specific California location which can influence auto insurance rates noticeably.

Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Table data does not factor in specific zip code location which can lower or raise auto insurance rates greatly.

Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Rate quotes do not factor in vehicle garaging location which can impact rates significantly.

The information below highlights how deductible selection can influence premium costs when getting quotes for cheap insurance for inexperienced drivers. The premiums are based on a single female driver, comprehensive and collision coverage, and no additional discounts are factored in.

The chart above illustrates that a 50-year-old driver could cut expenses by $476 a year by increasing from a $100 deductible up to a $500 deductible, or save $712 by switching to a $1,000 deductible. Even younger insureds, like the age 20 example, have the ability to save $1,216 or even more by choosing larger deductibles on their policy. If you do raise deductibles, it will now be necessary to have emergency funds available to offset the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Which car insurance company is best?

When comparing auto insurance, the companies that insure more vehicles than anyone else are Allstate, State Farm, Geico, and Progressive. All four can cover your vehicle for liability and physical damage, but each one has different options that buyers can choose from. The table below compares price and claims rank as well as some different options you can buy with each company.