The make and model of vehicle you are trying to insure is probably the largest consideration that determines whether or not you can buy affordable insurance for high school students. Vehicles with high performance features, poor safety ratings, or a history of substantial liability claims will cost more to insure than safer, lower-performance models.
The next list showcases coverage prices for a selection of the more affordable automobiles to buy insurance for.
|Make and Model||Estimated Cost for Full Coverage|
|Honda Accord LX-P 4-Dr Sedan||$8,600|
|Ford Escape XLS 4WD||$8,606|
|Honda CR-V EX-L 2WD||$8,693|
|Ford Explorer Eddie Bauer 2WD||$9,644|
|Dodge Grand Caravan SE||$9,649|
|Ford F-150 XL Crew Cab 4WD||$9,733|
|Volkswagen Jetta 2.0T Station Wagon||$9,904|
|Toyota Tacoma 2WD||$10,115|
|Ford Focus S 4-Dr Sedan||$10,121|
|Honda Civic DX 4-Dr Sedan||$10,115|
|Chevrolet Impala LS||$10,125|
|Toyota RAV4 Sport 2WD||$10,207|
|Chevrolet Malibu LS||$10,212|
|Jeep Grand Cherokee Laredo 4WD||$10,207|
|GMC Sierra SLE Regular Cab 2WD||$10,214|
|Hyundai Elantra Blue 4-Dr Sedan||$10,674|
|Compare Cheap Rates Go|
Table data represents single male driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, and safe-driver. Price estimates do not factor in vehicle garaging location which can alter premium rates greatly.
Based upon these rates, you can see that vehicles like the Honda Accord, Ford Escape, and Honda CR-V are going to be a few of the cheapest vehicles to insure for teenagers. Auto insurance rates will trend higher just because there is more inherent risk for high school students, but in general those particular models will probably have the cheapest rates that you’ll find.
Determining which company offers the most affordable car insurance rates for high school students will require a tad more effort than just picking a company at random.
Each company uses a different method for filing rates in each state, so to begin we’ll rank the most affordable car insurance companies in Los Angeles. Keep in mind that Los Angeles, CA car insurance rates are based on many factors that control the price of coverage. Improving your credit rating, having a claim, or getting a speeding ticket may prompt premium changes resulting in some rates now being more affordable than before.
Cheapest Insurance Rates for Students
Wawanesa generally has some of the most affordable car insurance rates in Los Angeles at around $1,146 annually. This is $505 less than the average policy premium paid by California drivers of $1,651. USAA, Century National, CSAA, and Nationwide also qualify as some of the cheaper Los Angeles, CA auto insurance companies.
As shown in the rates above, if you currently have a policy with CSAA and switched to Wawanesa, you might realize an annual savings of roughly $40. Drivers with Nationwide may save as much as $80 a year, and 21st Century policyholders might see rate reductions of $179 a year.
Understand that those estimates are averaged for all drivers and vehicles and do not take into consideration an exact vehicle garaging location for high school students. So the auto insurance company that fits your age and vehicle best may not even be in the top 24 companies in the list above. That helps illustrate why you need to compare prices as often as possible using your own driver data and vehicle information.
The diagram below shows how choosing a deductible can affect yearly insurance costs when researching cheap insurance for high school students. The premiums assume a married male driver, comp and collision included, and no other discounts are factored in.
A 30-year-old driver could reduce rates by $460 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $692 by choosing a $1,000 deductible. Even younger insureds, like the age 20 example, could potentially save $1,398 or more just by choosing higher deductibles when buying full coverage.
If you do decide to increase your deductibles, it is important to have plenty of savings on hand to enable you to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
Discounts on Los Angeles car insurance rates
Auto insurance companies that provide policies for high school students may additionally offer policy discounts that can reduce rates by as much as 35% or more if you qualify. A few of the larger companies and a selection of discounts are detailed below.
- Farm Bureau policyholders can earn discounts including multi-policy, multi-vehicle, youthful driver, driver training, and 55 and retired.
- MetLife has savings for good driver, accident-free, multi-policy, good student, defensive driver, and claim-free.
- Progressive may have discounts that include good student, online signing, online quote discount, homeowner, multi-vehicle, and multi-policy.
- AAA may include discounts for pay-in-full, multi-car, education and occupation, AAA membership discount, good driver, and anti-theft.
- American Family may offer discounts for multi-vehicle, good driver, Steer into Savings, TimeAway discount, good student, early bird, and accident-free.
- GEICO includes discounts for military active duty, driver training, defensive driver, membership and employees, multi-vehicle, federal employee, and anti-lock brakes.
- State Farm has discounts for good student, passive restraint, good driver, accident-free, defensive driving training, and driver’s education.
The chart below shows the difference between insurance prices with and without discounts. The price estimates are based on a male driver, no claims or violations, California state minimum liability limits, comp and collision included, and $1,000 deductibles.
The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with good student, vehicle safety, continuous coverage, paperless filing, anti-theft, and passive restraint discounts applied. When discounts are applied, the average savings per year on car insurance for high school students is 28% or $666.
Which car insurance company is best in California?
Ending up with a high-quality insurance company is hard considering how many companies there are in California. The company information below may help you select which companies you want to consider when comparing rate quotes. These ratings are only comprised of insurance companies that insure vehicles in the majority of U.S. states, so smaller companies that only insure vehicles in California are not included in the list.
Top 10 Large Car Insurance Companies in Los Angeles Ranked by Customer Service
- AAA of Southern California
- State Farm
- The Hartford
- Mercury Insurance
- The General
- AAA Insurance
- American Family
Top 10 Large Car Insurance Companies in Los Angeles Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
If you like to have a professional recommendation when shopping around for cheaper insurance for teenagers, the insurance agencies listed below can most likely provide answers to your questions and help you determine which auto insurance coverages would be the best in your situation. To find an agent using an interactive map, click the button link following the list or click here to compare prices now.
- InsurAide Insurance Agency, Inc. (IIA)
1081 Westwood Blvd Suite 218 – Los Angeles, CA 90024 – (310) 208-3548
- Odette Manalastas – State Farm Insurance Agent
4448 Eagle Rock Blvd e – Los Angeles, CA 90041 – (323) 254-5800
- Helen Lee – State Farm Insurance Agent
2535 W Olympic Blvd – Los Angeles, CA 90006 – (213) 738-0700
- Choice Insurance Agency
1601 S La Brea Ave – Los Angeles, CA 90019 – (323) 933-9888