For teen drivers, one of the big criteria that help determine auto insurance rates is where you live. Regions with larger populations or more claims will most likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates receive better rates.
The illustration below shows the most expensive cities in California for teenagers to buy an auto insurance policy in. Bakersfield shows up at #22 having an annual price of $1,340 for the average policyholder, which is around $112 monthly.
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Price information shown is estimated as the vehicle garaging location can affect coverage rates significantly.
Establishing which company has the cheapest auto insurance rates for teenagers involves more time in order to find coverage that fits your budget. Each insurer has their own guidelines to set policy rates, so we need to take a look at the lowest cost auto insurance companies in Bakersfield.
It’s important that readers know that Bakersfield auto insurance rates are influenced by many factors which can significantly increase or decrease your annual premium. Improving your credit rating, having a teen driver, or getting a ticket for running a stop sign can trigger rate changes that can cause some rates to be cheaper than before.
Find Cheaper Car Insurance for Teens
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USAA may offer some of the lowest car insurance rates in Bakersfield at around $1,109 annually. Wawanesa, Nationwide, Century National, and CSAA are also some of the lowest-priced Bakersfield, CA auto insurance companies.
In the rate table above, if you buy coverage from Century National and switched to Wawanesa, you could earn annual savings of roughly $68. Insureds with CSAA may save as much as $76 a year, and 21st Century policyholders might lower prices by up to $220 a year.
Remember that these rates are averages for all types of insureds and vehicles and and are not calculated with a specific location for teenagers. So the auto insurance company that is most affordable for your situation may not even be in the top 24 companies in the list above. That emphasizes why you need to get rate quotes using your own personalized driver profile and vehicle information.
Impact of violations and accidents on rates
The common sense way to score the most affordable auto insurance prices in Bakersfield for teen drivers is to drive carefully and avoid traffic citations and accidents. The information below illustrates how violations and accident claims influence premium costs for different ages of insureds. The premiums are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied to the premium.
The chart shows that the average cost of an auto insurance policy in Bakersfield per year with a clean driving record and no accidents is $1,703. Factor in one speeding ticket and the average cost increases to $1,960, an increase of $257 each year. Then include two accidents along with the one speeding ticket and the yearly cost of auto insurance for teenagers goes up to an average of $4,305. That’s an increase of $2,602, or $217 per month, just for being a little careless behind the wheel!
The example below illustrates how your choice of deductibles can influence annual premium costs when searching for cheap insurance for teenagers. The data is based on a single male driver, full coverage, and no additional discounts are factored in.
The data above shows that a 30-year-old driver could lower their policy premium by $568 a year by changing from a $100 deductible to a $500 deductible, or save $856 by selecting a $1,000 deductible. Younger drivers, like the 20-year-old category, could shave $1,674 each year just by choosing larger deductibles. If you do make the decision to raise your deductibles, it will be necessary to have enough savings to allow you to cover the extra out-of-pocket expense that deters many people from opting for higher deductibles.
How to find more affordable car insurance for teenagers
The list below summarizes a few money-saving solutions that can help Bakersfield drivers buy cheaper auto insurance.
- Pay for small claims rather than turning them in to your insurance company
- Violations and traffic tickets increase rates
- Increase the comprehensive and collision deductibles on your policy
- Remain accident-free and save
- Do not pay for full coverage if not needed
- Shop around and save
That last idea is very valuable, as we stressed in the prior article. Prices charged by auto insurers can change significantly in a year, so drivers shouldn’t be resistant to buy from a different company if a cheaper price is available.
Staying with the same company for years is fine, but it’s not a good idea if your bullheadedness ends up costing you hundreds of dollars year after year. Spend a few minutes and compare rates to find cheaper car insurance for teenagers in Bakersfield.
If you aren’t sure which coverage you need and prefer to get help from a professional when comparing insurance rates for teenagers, the agents below can provide answers to your questions and help you determine which coverages and limits you need.
To find a Bakersfield insurance agency using an interactive map, click the button at the bottom of the list or click here to compare rates now.
Hay Insurance Agency Inc.
4921 Calloway Dr # 101 – Bakersfield, CA 93312 – (661) 829-8933
Jeremy Scheidle – State Farm Insurance Agent
2017 24th St – Bakersfield, CA 93301 – (661) 861-9797
California Insurance Specialist
1601 New Stine Rd # 100 – Bakersfield, CA 93309 – (661) 397-3944