The type of vehicle on the policy is probably the most important factor that determines the availability of the best cheap auto insurance for 16 year olds. Vehicles with limited top-end speed, a great safety record, or a positive history of liability claims will cost significantly less to insure than adrenaline junky models. The list below shows coverage premiums for a number of the more affordable vehicles to buy insurance for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $8,889 |
| Honda CR-V EX 2WD | $8,895 |
| Honda Accord EX-L 4-Dr Sedan | $9,517 |
| Toyota Prius | $9,604 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $9,993 |
| Dodge Grand Caravan SE | $9,998 |
| Ford F-150 XLT Super Cab 4WD | $10,079 |
| Chevrolet Impala LS | $10,456 |
| Ford Focus S 4-Dr Sedan | $10,466 |
| Honda Odyssey EX W/Rear Entertainment | $10,456 |
| Ford Edge SEL AWD | $10,463 |
| Chevrolet Equinox LS 2WD | $10,539 |
| Nissan Altima 2.5 4-Dr Sedan | $10,548 |
| Volkswagen Jetta LE 4-Dr Sedan | $10,539 |
| Toyota RAV4 Limited 4WD | $10,549 |
| Chevrolet Malibu Hybrid | $10,539 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $10,625 |
| Ford Explorer Limited 4WD | $10,633 |
| Dodge Ram 3500 Crew Cab Laramie 2WD | $10,625 |
| Honda Civic LX 4-Dr Sedan | $10,999 |
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Data variables include single male driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate information does not factor in specific Los Angeles, CA garaging location which can increase or decrease insurance rates substantially.
Looking at the rates, you can see that vehicles like the Ford Escape, Honda CR-V, Honda Accord, Toyota Prius, and Jeep Wrangler will definitely be a few of the most budget-friendly vehicles to insure for new drivers. The cost of a car insurance policy will tend to be more expensive anyway just due to the fact that there is more claim risk for 16 year olds, but generally speaking those specific models will probably have the cheapest car insurance rates that you are likely to find.
Locating low-priced auto insurance is not most people’s favorite thing to do, and determining which company quotes the most affordable auto insurance rates for 16 year olds may require even more work.
Each auto insurer uses a slightly different approach to establish rates, so first let’s look at the rankings for the most budget-friendly auto insurance companies in California. It’s important that you understand Los Angeles auto insurance rates are influenced by many factors which can significantly increase or decrease the price you pay. Events like a birthday, moving to a new city, or getting caught speeding can trigger price changes that can make some companies more expensive than competitors.
Best Car Insurance Prices for Teens
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Wawanesa | $1,146 |
| 3 | Century National | $1,190 |
| 4 | Nationwide | $1,226 |
| 5 | CSAA | $1,234 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,433 |
| 8 | Progressive | $1,496 |
| 9 | Mercury | $1,503 |
| 10 | Allstate | $1,513 |
| 11 | GEICO | $1,559 |
| 12 | The Hartford | $1,575 |
| 13 | Allied | $1,588 |
| 14 | MetLife | $1,606 |
| 15 | Unitrin | $1,682 |
| 16 | State Farm | $1,733 |
| 17 | Esurance | $1,756 |
| 18 | Travelers | $1,788 |
| 19 | Bristol West | $1,795 |
| 20 | Farmers | $1,966 |
| Find Cheaper Rates Go | ||
USAA normally has some of the best car insurance rates in Los Angeles at around $1,121 annually. Wawanesa, Century National, Nationwide, and CSAA also are some of the lowest-priced Los Angeles, CA car insurance companies.
In the above example, if you are insured with Century National and switched to USAA, you might see a yearly savings of upwards of $69. Insureds with Nationwide might save as much as $105 a year, and CSAA customers might lower prices by $113 a year.
Bear in mind that those policy rates are averages for all types of drivers and the different vehicles they drive and do not take into consideration an exact zip code location for 16 year olds. So the insurer that can offer the best rates for your situation may not even be in the top 24 companies shown above. That affirms the importance of why you need to quote rates from as many companies as possible using your own personal information and vehicle type.
For new drivers, one of the more important considerations that help determine the cost of insurance is the neighborhood you call home. More populated areas tend to have higher auto insurance costs, whereas less populated areas benefit from lower coverage costs.
The next table lists the highest-priced places in California for 16 year olds in which to buy car insurance. Los Angeles comes in at #2 with the yearly price of $2,104 on average, which is about $175 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Glendale | $2,121 |
| 2 | Los Angeles | $2,104 |
| 3 | Oakland | $1,738 |
| 4 | San Francisco | $1,711 |
| 5 | Sacramento | $1,669 |
| 6 | San Bernardino | $1,644 |
| 7 | Fontana | $1,581 |
| 8 | Long Beach | $1,562 |
| 9 | Stockton | $1,556 |
| 10 | Santa Clarita | $1,548 |
| 11 | Modesto | $1,547 |
| 12 | Riverside | $1,542 |
| 13 | Moreno Valley | $1,536 |
| 14 | Garden Grove | $1,524 |
| 15 | Fresno | $1,517 |
| 16 | Santa Ana | $1,497 |
| 17 | Anaheim | $1,488 |
| 18 | Huntington Beach | $1,416 |
| 19 | San Jose | $1,381 |
| 20 | Fremont | $1,361 |
| Find Cheaper Rates Go | ||
Price information shown is comparative as specific Los Angeles garaging address can impact coverage rates significantly.
Get discounts on Los Angeles auto insurance rates
Insurance providers that offer quotes for 16 year olds may have price discounts that could potentially reduce rates by 30% or more if you are eligible to receive them. Large auto insurance companies and some of the discounts include:
- Progressive may offer discounts for multi-vehicle, online quote discount, continuous coverage, homeowner, good student, online signing, and multi-policy.
- SAFECO may have discounts that include multi-car, drive less, anti-lock brakes, teen safe driver, and teen safety rewards.
- American Family has savings for TimeAway discount, accident-free, early bird, good student, mySafetyValet, defensive driver, and good driver.
- MetLife offers premium reductions for good driver, defensive driver, claim-free, accident-free, and good student.
- GEICO may include discounts for air bags, driver training, good student, federal employee, anti-theft, and five-year accident-free.
- The Hartford discounts include good student, defensive driver, bundle, anti-theft, driver training, and vehicle fuel type.
The example below shows the comparison of insurance prices with and without discounts applied. The price estimates are based on a male driver, a clean driving record, no claims, California state minimum liability limits, full physical damage coverage, and $500 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with good student, paid-in-full, anti-theft, paperless filing, passive restraint, and continuous coverage discounts applied. With discounts applied, theamount saved on auto insurance for 16 year olds is 28% or $1,032.
The chart below demonstrates how choosing different deductibles can change insurance prices when getting quotes for cheap insurance for 16 year olds. The rates are based on a single male driver, comprehensive and collision coverage, and no policy discounts are applied.
A 50-year-old driver could lower their policy premium by $362 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $546 by using a $1,000 deductible. Youthful drivers, like the 20-year-old category, could reduce their rates up to $1,190 or even more by choosing a higher deductible. If you make the decision to raise deductibles, it’s a good idea to have enough funds in savings to allow you to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
Driving violations and accidents
In a perfect world, the best way to score the most affordable auto insurance premiums in California for new drivers is to be a cautious driver and not receive tickets or have accidents. The information below shows how speeding tickets and at-fault fender-benders can drive up premium costs for different age categories. The premium estimates are based on a married male driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.
The data charted above shows the average cost of an auto insurance policy in California per year with no accidents and a clean driving record is $2,157. Receive two speeding tickets and the average cost rises to $2,986, an increase of $829 each year. Now include two accidents along with the two speeding tickets and the yearly cost of auto insurance for 16 year olds jumps again to an average of $5,924. That’s an increase of $3,767, or $314 per month, just for being a careless driver!
The agents listed below can most likely help you make a decision which insurance coverage you need, as some drivers have questions and prefer to get some professional advice when buying car insurance for new drivers. It can be time-consuming to find the cheapest car insurance policy, and a licensed agent can add satisfaction knowing your coverage gives you enough protection.
To locate a Los Angeles car insurance agency by location nearest to you, click the button at the bottom of the list.
- Gregory Kim – State Farm Insurance Agent
3580 Wilshire Blvd #130 – Los Angeles, CA 90010 – (213) 365-2071 - Glenda Greene – State Farm Insurance Agent
3824 Crenshaw Blvd – Los Angeles, CA 90008 – (323) 293-9990 - Patricia Aleman – State Farm Insurance Agent
3222 Glendale Blvd b – Los Angeles, CA 90039 – (323) 644-0900