It's impossible to miss the commercials from insurers like Farmers and GEICO that make claims of the cheapest price, so you should just choose the one with the best commercial, right?
It's just not that easy, however, as there are a whole bunch of unknowns like where you live, the safety ratings of your vehicle, and the amount of coverage you want, that all impact the price you pay. We are going to cover these types of topics and hopefully give you enough understanding to have a good start to your coverage search.
Buying low-priced car insurance is easier said than done, and figuring out which company has the cheapest car insurance rates for 17 year olds takes even more diligence. Each insurance company uses a little different formula for setting prices, so let's take a look at the car insurance companies with the most affordable rates in Bakersfield, CA.
It's important that readers know that Bakersfield, CA car insurance rates are based on many factors which can substantially decrease or increase the policy premium. This price fluctuation is why drivers need to perform a complete rate comparison when trying to get the most economical insurance quotes for 17 year olds. Auto insurance prices are made up of many different factors and can change substantially, so the best price six months ago may now be costing you a lot of money.
Lowest Insurance Price Quotes for Teens
USAA may have some of the cheapest car insurance rates in Bakersfield at around $1,121 each year. This is $530 less than the average rate paid by California drivers of $1,651. CSAA, Wawanesa, Century National, and Nationwide are also some of the most economical Bakersfield, CA auto insurance companies.
As shown above, if you are insured with Century National and switched to CSAA, you might achieve an annual savings of approximately $28. Policyholders with Nationwide might save as much as $40 a year, and 21st Century customers might realize rate reductions of up to $139 a year.
Be aware that those policy prices are averaged across all drivers and vehicles and and are not calculated with a specific vehicle garaging location for 17 year olds. So the auto insurance company that can offer the best rates for your situation may not even be in the top 24 companies in the list above. That helps illustrate why you need to get car insurance quotes using your own driver information and specific vehicle type.
The car, truck, or SUV driven is probably the largest consideration that determines whether or not you find cheap auto insurance for 17 year olds. Vehicles with lots of horsepower, poor passenger safety features, or an increased likelihood of liability claims will cost substantially more to insure than safer models.
The information below presents coverage premiums for a number of the cheaper vehicles to insure in California.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Ford Escape XLS 2WD||$3,020|
|Honda CR-V EX 4WD||$3,049|
|Ford Focus SE 4-Dr Sedan||$3,556|
|Ford Edge SEL 2WD||$3,565|
|Chevrolet Impala LT||$3,585|
|Dodge Grand Caravan Hero||$3,592|
|Toyota RAV4 Limited 4WD||$3,585|
|Ford Explorer Limited 4WD||$3,616|
|Toyota Tacoma Double Cab TRD Sport Package 4WD||$3,621|
|Ford F-150 FX2 2WD||$3,616|
|Toyota Corolla LE||$3,776|
|Nissan Altima 2.5 S 4-Dr Sedan||$3,784|
|Hyundai Elantra GLS 4-Dr Sedan||$3,776|
|Jeep Grand Cherokee Limited 2WD||$3,806|
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Data assumes single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium amounts do not factor in specific Bakersfield, CA garaging location which can impact price quotes greatly.
Looking at the numbers, we can expect vehicles like the Ford Escape, Honda CR-V, Toyota Prius, Ford Focus, and Ford Edge will be the most affordable vehicles to insure for teen drivers. Auto insurance rates will tend to be more expensive just because there is more risk for 17 year olds, but in general those models will tend to have the lowest insurance prices compared to other vehicles.
One of the more important things that are looked at to determine the price you pay for insurance is your zip code in Bakersfield. More populated areas are more likely to have higher rates, whereas areas with less congestion have the enjoyment of a little cheaper coverage.
The table below shows the priciest cities in California for 17 year olds to purchase a policy in. Bakersfield is listed at #24 with an annual rate of $1,340 for the average policy, which is around $112 each month.
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Rates are estimated as zip code location can increase or decrease premium rates substantially.
The diagram below shows how different deductible levels can influence insurance premiums when trying to find cheap insurance for 17 year olds. The data is based on a married male driver, comprehensive and collision coverage, and no additional discounts are factored in.
As shown above, a 30-year-old driver could pocket $342 a year by increasing from a $100 deductible to a $500 deductible, or save $516 by switching to a $1,000 deductible. Youthful drivers, like the 20-year-old example, could potentially save up to $1,026 each year by selecting a higher deductible.
If you do raise deductibles, it will now be necessary to have enough spare savings to be able to pay the extra out-of-pocket expense that is associated with using high deductibles.
Ending up with a good quality auto insurance provider is hard considering how many different insurance companies sell coverage in Bakersfield. The company rank data shown next can help you pick which providers to look at when buying insurance for 17 year olds. The rankings below are only comprised of major nationwide insurance companies, so smaller companies are not included in this list.
Top 10 Large Auto Insurance Providers in Bakersfield Ranked by Customer Satisfaction
- Titan Insurance - 95%
- USAA - 94%
- AAA of Southern California - 92%
- AAA Insurance - 91%
- Nationwide - 90%
- State Farm - 90%
- The Hartford - 89%
- GEICO - 89%
- The General - 88%
- 21st Century - 88%
Top 10 Large Auto Insurance Providers Overall in Bakersfield
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
How violations and accidents impact rates
The obvious way to score the cheapest car insurance rates for teen drivers is to be a careful driver and avoid getting tickets or having accidents. The information below demonstrates how speeding tickets and at-fault claims can impact premium costs for each different age category. The rate quotes are based on a single female driver, full coverage, $100 deductibles, and no policy discounts are applied.
The chart shows that the average cost of an auto insurance policy in California per year with a clean driving record and no accidents is $2,394. Get written up for two speeding tickets and the average cost rises to $3,222, an increase of $828 each year. Now add in one accident along with the two speeding tickets and the annual cost of car insurance for 17 year olds increases to an average of $4,051. That's an increase of $1,657, or $138 per month, just for being a little careless behind the wheel!
If you aren't sure which coverage you need and prefer to have a professional recommendation when comparing insurance rates for 17 year olds, the agencies below can most likely answer your questions and help you decide which coverages you need. To find an agent in your neighborhood, click the button following the list.
El Dorado Insurance Agency, Inc.
2809 Unicorn Rd # 102 - Bakersfield, CA 93308 - (800) 221-3386
Allstate Insurance: Lee Hernandez
1801 21st St Ste 3 - Bakersfield, CA 93301 - (661) 327-7761
David Hall - State Farm® Insurance Agent
5351 Olive Dr #300 - Bakersfield, CA 93308 - (661) 393-8326
How to find cheaper car insurance for 17 year olds
The list below details some of the better penny-pinching suggestions that can help Bakersfield drivers buy lower-cost coverage.
- Bundle home and auto and save
- Do not get traffic citations
- Improve your credit
- Maintain a safe distance and avoid accidents
- Raise deductibles
- Discounts for being claim-free can be substantial
- Shop around and save
The last suggestion is very critical, as we discussed in the prior information. Prices charged by auto insurers can change considerably in a year, so don't hesitate to change insurance companies if a cheaper price is available.
Brand loyalty is not necessarily bad, but we do not recommend it if that dedication is costing a considerable chunk of change every month. Take a couple minutes and compare prices and find cheaper auto insurance for 17 year olds in Bakersfield.