The vehicle requiring insurance is one of the largest factors when comparison shopping for low-priced auto insurance for 18 year olds. Vehicles with economical engines, a plethora of safety features, or a low likelihood of liability claims will cost much less to insure than adrenaline junky models.
The list below illustrates auto insurance rates for the more affordable vehicles to buy coverage for.
|Vehicle||Estimated Cost for Full Coverage|
|Honda CR-V LX 4WD||$2,710|
|Ford Escape Limited 2WD||$2,739|
|Volkswagen Jetta SE 2.5 Station Wagon||$3,138|
|Ford Focus SE 4-Dr Sedan||$3,185|
|Jeep Grand Cherokee Laredo 4WD||$3,214|
|Toyota RAV4 Limited 4WD||$3,224|
|Chevrolet Impala LT||$3,214|
|Chevrolet Malibu LT||$3,245|
|Ford Explorer Limited 2WD||$3,255|
|Ford F-150 Lariat Crew Cab 2WD||$3,245|
|Dodge Grand Caravan SXT||$3,253|
|Ford Edge Sport AWD||$3,398|
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Prices above based on single female driver age 18, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate quotes do not factor in specific garaging location which can increase or decrease premiums noticeably.
Based upon the table data, we can tell that models like the Honda CR-V, Ford Escape, Toyota Prius, Volkswagen Jetta, and Ford Focus are some of the most affordable vehicles to insure for teen drivers. Auto insurance rates will be more expensive just due to the fact that there is more inherent risk for 18 year olds, but overall those vehicles will probably have the best insurance prices that you are likely to find.
Finding low-priced auto insurance is challenging, and determining which company offers the best car insurance rates for 18 year olds will require even more diligence. Every insurance company has a proprietary formula to determine premium rates, so we’ll go over the lowest cost car insurance companies in Bakersfield.
It’s important that readers know that Bakersfield, CA car insurance rates are determined by lots of factors which can significantly increase or decrease the policy price. Taking a driver safety course, having a teenage driver, or getting a few speeding tickets may cause policy rate changes that can cause some rates to be more affordable than before.
Best Auto Insurance Prices for Teens
USAA may have some of the best car insurance rates in Bakersfield at around $1,155 per year. Century National, Wawanesa, CSAA, and Nationwide also rank well as some of the more affordable Bakersfield, CA auto insurance companies.
As the rates illustrate above, if you buy coverage from CSAA and switched to USAA, you may see a yearly price reduction of upwards of $43. Drivers with Nationwide might save as much as $58 a year, and 21st Century policyholders might cut rates by $170 a year.
To find cheaper insurance rates for your vehicle, click here or quote prices from the following companies.
Be aware that those rates are averages for all types of insureds and vehicles and are not factoring in an exact location for 18 year olds. So the insurer that has the lowest price for you may not even be in the top 24 companies shown above. That point stresses why you need to get auto insurance quotes using your own driver information and specific vehicle type.
One of the more important considerations that are looked at to help calculate insurance cost is where you choose to live in Bakersfield. Areas with increased crime or more people will most likely pay more, whereas areas with less people or fewer weather incidents have the benefit of cheaper auto insurance prices.
The next table sorts the priciest cities in California for 18 year olds in which to buy car insurance. Bakersfield comes in at #23 having an annual price of $1,353 for coverage, which is approximately $113 monthly.
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Premium costs are estimated as specific Bakersfield zip code can modify coverage rates noticeably.
Selecting a highly-rated auto insurance company can be difficult considering how many companies provide coverage in California. The ranking data shown below can help you analyze which auto insurers you want to consider purchasing coverage from.
These ratings are for companies that write coverage in many states, so companies that may only write in California are not taken into consideration for these rankings. If you’d like to compare prices from these and other companies in California, click here.
Top 10 Large Auto Insurers Overall in Bakersfield
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
The illustration below illustrates how choosing a deductible can impact annual premium costs when quoting cheap insurance for 18 year olds. The premiums are based on a married male driver, full physical damage coverage, and no discounts are factored in.
In the chart above, a 30-year-old driver could lower their policy premium by $476 a year by changing from a $100 deductible to a $500 deductible, or save $718 by choosing a $1,000 deductible. Younger drivers, such as the 20-year-old chart data, could save as much as $1,434 or more by choosing a larger deductible amount.
If you do raise deductibles, it is essential to have additional savings on hand to satisfy the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
How to find budget-friendly insurance for 18 year olds
Here are a few penny-pinching solutions that can help you buy lower-cost coverage.
- Avoid price increases by not filing claims
- You will pay more if you get tickets or have at-fault accidents
- Do not get into accidents that are your fault
- Vehicles with good safety ratings have lower liability rates
- Buying car and homeowners insurance together can save money
- Comparison shop frequently
That last tip is highly valuable, as we pointed out in this piece. Car insurance prices in Bakersfield can change significantly in a year, so don’t be afraid to buy from a new company if a lower-cost policy is available. Many drivers prefer to stick with one company, but it’s not a good idea if that loyalty results in overpaying hundreds of dollars a year. It takes less than five minutes to shop around to find cheaper car insurance for 18 year olds.
The auto insurance agents in Bakersfield shown below are willing to help you make a decision which car insurance company is the best fit, as some people have coverage questions and would like to have some professional guidance when shopping for cheaper insurance for teen drivers. It can be hard to find the best policy on your own, and a licensed agent can provide satisfaction knowing your policy gives you adequate protection.
To locate a Bakersfield insurance agent near you, click the link at the bottom or click here to compare rates now.
Allstate Insurance: Diana Martinez
6300 White Ln T – Bakersfield, CA 93309 – (661) 827-8800
Farmers Insurance – E Bob White
3811 Auburn St – Bakersfield, CA 93306 – (661) 871-3000
Allstate Insurance: Ana M. Arreola
6649 Ming Ave – Bakersfield, CA 93309 – (661) 633-2633
William K Lyons Agency Inc
2100 F St # 200 – Bakersfield, CA 93301 – (661) 327-9731
Bill Thomas – State Farm Insurance Agent
8200 Stockdale Hwy Ste M3 – Bakersfield, CA 93311 – (661) 397-1999