Who Has Cheap Los Angeles Auto Insurance for 19 Year Olds?

Deciphering which companies quote the cheapest car insurance rates for 19 year olds takes a little more sweat in order to find a policy that fits your budget. Each insurer uses different criteria to determine premium rates, so let’s take a look at the car insurance companies that tend to have lower prices in Los Angeles, CA.

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Who has the cheapest car insurance in California?
Rank Company Cost Per Year
1 USAA $1,143
2 Century National $1,178
3 Wawanesa $1,192
4 CSAA $1,222
5 Nationwide $1,226
6 21st Century $1,338
7 Grange $1,447
8 GEICO $1,513
9 Mercury $1,533
10 Allstate $1,543
11 Allied $1,556
12 Progressive $1,558
13 MetLife $1,606
14 The Hartford $1,639
15 State Farm $1,699
16 Unitrin $1,699
17 Esurance $1,756
18 Bristol West $1,795
19 Travelers $1,860
20 Farmers $1,966
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USAA may have some of the most affordable car insurance rates in Los Angeles at around $1,143 per year. This is $508 less than the average premium paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide also make the cut as some of the best Los Angeles, CA insurance companies.

As the rates illustrate above, if you currently have coverage with Century National and switched to USAA, you might realize annual savings of roughly $35. Customers with Wawanesa may save as much as $49 a year, and CSAA policyholders might realize rate reductions of up to $79 a year.

To get a quick, customized rate comparison, click here to get a free quote or quote rates from the companies below.

Understand that those premiums are averaged for all drivers and vehicles in California and do not take into consideration a specific zip code for 19 year olds. So the company that fits your needs best may not even be in the top 24 companies shown above. That helps illustrate why you need to get rate quotes using your own specific driver and vehicle information.

For teenage drivers, one of the more important components that are looked at to help calculate the amount you pay each year for auto insurance is where your car is garaged. Areas with increased crime or more people tend to have more expensive auto insurance rates, whereas areas with less congestion have the luxury of cheap car insurance rates.

The next table rates the most expensive areas in California for 19 year olds to buy auto insurance in. Los Angeles shows up at #2 costing $2,104 for the average policy, which is around $175 monthly.

Car insurance prices in Los Angeles
Rank City Annual Rate
1 Glendale $2,142
2 Los Angeles $2,104
3 Sacramento $1,720
4 San Francisco $1,711
5 Oakland $1,704
6 Stockton $1,603
7 San Bernardino $1,596
8 Long Beach $1,578
9 Garden Grove $1,554
10 Santa Clarita $1,548
11 Riverside $1,542
12 Moreno Valley $1,536
13 Fontana $1,535
14 Modesto $1,487
15 Santa Ana $1,483
16 Anaheim $1,474
17 Fresno $1,472
18 San Jose $1,423
19 Fremont $1,403
20 Bakersfield $1,394
21 Irvine $1,384
22 San Diego $1,381
23 Huntington Beach $1,374
24 Chula Vista $1,350
25 Oxnard $1,318
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Price information shown is approximated as the specific geographic location can revise premium rates greatly.

The vehicle model requiring insurance is one of the largest factors that determines if you can find low-cost car insurance for 19 year olds. Vehicles with lower performance, an excellent safety record, or a low likelihood of having liability claims will cost significantly less to insure than fast, unsafe models.

The list below features coverage prices for a number of the cheapest vehicles to insure in California.

Cheapest Vehicles to Insure in Los Angeles, CA
Make, Model, and Trim Level Estimated Cost for Full Coverage
Honda Accord EX 4-Dr Sedan $5,825
Honda CR-V EX 2WD $5,834
Hyundai Elantra SE Touring Station Wagon $6,305
Ford Escape Limited 4WD $6,315
Toyota Prius $6,378
Ford Explorer XLT 4WD $6,505
Toyota Tacoma 4WD $6,514
Chevrolet Impala LS $6,845
Honda Odyssey EX W/Rear Entertainment $6,855
Chevrolet Equinox LS 2WD $6,915
Jeep Grand Cherokee Laredo 2WD $6,923
Dodge Grand Caravan Hero $6,915
Toyota RAV4 Sport 2WD $6,924
Volkswagen Jetta LE 4-Dr Sedan $6,915
Jeep Wrangler Unlimited Sahara 2WD 4-Dr $7,115
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Above prices assume single female driver age 19, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium costs do not factor in specific garaging location which can lower or raise insurance rates noticeably.

Looking at the rates, you can figure that models like the Honda Accord, Honda CR-V, and Hyundai Elantra are most likely going to be some of the cheaper vehicles to insure for teenage drivers. The price of auto insurance will be more expensive because there is more exposure for 19 year olds, but overall those specific models will tend to have the lowest insurance rates possible.

Should you buy full coverage?

Finding the cheapest car insurance is important to the majority of people, and one way to save on the cost of insurance for 19 year olds is to only buy liability coverage. The diagram below illustrates the comparison of insurance prices with liability coverage only compared to full coverage. The price estimates are based on no violations or claims, $500 deductibles, marital status is single, and no discounts are factored in.

On average, physical damage coverage on your policy costs $2,075 per year more than insuring for liability only. Many drivers will wonder if paying for full coverage is a waste of money. There isn’t a steadfast formula to stop paying for physical damage coverage on your policy, but there is a general school of thought. If the annual cost of having full coverage is more than around 10% of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.

There are a few cases where dropping physical damage coverage is not advised. If you haven’t satisfied your loan, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should keep full coverage on your policy.

Discounts on Los Angeles auto insurance

Car insurance for teenage drivers in Los Angeles, CAInsurers that provide policies for 19 year olds could also offer policy discounts that could potentially reduce rates by 40% or more if you meet certain criteria. A few of the larger companies and some of their more popular discounts are detailed below.

The example below illustrates the comparison of auto insurance rates with and without some available policy discounts. The rate quotes are based on a female driver, no claims or driving violations, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with defensive driving course, marriage, homeowner, claim-free, passive restraint, and anti-theft discounts applied. When these discounts are applied to the policy premium, theaverage amount saved on car insurance for 19 year olds is 28% or $708.

Drive responsibly or pay higher rates

A great way to snag the most affordable car insurance premiums in Los Angeles for teenage drivers is to drive cautiously and avoid accidents and violations. The chart below demonstrates how citations and at-fault collisions impact car insurance rates for each age group. The data is based on a single male driver, full physical damage coverage, $100 deductibles, and no discounts are applied to the premium.

In the previous example, the average cost of a car insurance policy in Los Angeles per year with a clean driving record and no accidents is $2,525. Get one speeding ticket and the average cost surges to $2,844, an increase of $319 each year. Next add one accident along with the one speeding ticket and the 12-month cost of car insurance for 19 year olds increases to an average of $3,742. That’s an increase of $1,217, or $101 per month, just for not being more responsible behind the wheel!