The words “low-priced” and “auto insurance” probably shouldn’t be used in the same sentence, in particular when you are shopping around for the cheapest coverage for 19 year olds. Because it’s not cheap, let’s go over some situations that determine auto insurance rates, and find out if we can help you lower the cost of the next policy you buy.
For teenage drivers, one of the more important components that aid in calculating insurance cost is where you normally keep your vehicle in Fresno. Regions with more people or even just more weather-related claims likely pay more, whereas areas with lower crime rates and fewer weather claims profit from lower rates.
The illustration below shows the most costly cities in California for 19 year olds to buy car insurance in. Fresno is ranked at #15 with an annual rate of $1,457 for car insurance, which is about $121 each month.
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Annual rates are estimated as the vehicle garaging location can change premium rates greatly.
The vehicle that is being insured is a significant factor when consumers are trying to find the lowest-priced car insurance for 19 year olds. Vehicles with high performance engines, poor safety features, or a history of substantial liability claims will cost significantly more to insure than more modest models. The next table shows auto insurance rates for some of the most affordable automobiles to insure in California.
|Make and Model||Estimated Cost for Full Coverage|
|Ford Escape XLS 4WD||$2,910|
|Honda Accord LX 4-Dr Sedan||$2,916|
|Honda CR-V EX 4WD||$2,945|
|Volkswagen Jetta S 2.5 Station Wagon||$3,150|
|Ford Edge SEL 2WD||$3,419|
|Nissan Altima 2.5 4-Dr Sedan||$3,455|
|Toyota RAV4 Sport 4WD||$3,462|
|Ford Fusion S 4-Dr Sedan||$3,455|
|Jeep Grand Cherokee Laredo 2WD||$3,460|
|Chevrolet Malibu Hybrid||$3,455|
|Chevrolet Impala LT||$3,465|
|Toyota Tacoma Double Cab 4WD||$3,491|
|Ford Explorer Limited 2WD||$3,496|
|Dodge Grand Caravan Crew||$3,491|
|Ford F-150 FX2 2WD||$3,497|
|Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$3,552|
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Data variables include single female driver age 19, 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 garaging location in Fresno, CA which can change price quotes greatly.
Based upon the rates shown, vehicles like the Ford Escape, Honda Accord, and Honda CR-V are most likely going to be the most budget-friendly vehicles to insure for teenage drivers. Auto insurance rates will tend to be more expensive anyway because of the fact that there is more claim exposure for 19 year olds, but overall those makes and models will have the best rates that you’ll find.
The chart below shows how choosing a deductible can change insurance costs when getting quotes for cheap insurance for 19 year olds. The prices are based on a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
A 50-year-old driver could lower rates by $416 a year by increasing from a $100 deductible to a $500 deductible, or save $626 by using a $1,000 deductible. Younger drivers, like the 20-year-old example, could shave $1,398 every year by selecting a higher deductible.
When using a larger deductible, it is important to have additional funds in a savings account to allow you to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
Discounts on Fresno car insurance
Insurance companies that sell policies for 19 year olds could also offer price discounts that could lower prices by 30% or more if you qualify for them. Popular car insurance companies and a selection of discounts are:
- State Farm offers discounts including multiple policy, safe vehicle, accident-free, passive restraint, anti-theft, good driver, and Drive Safe & Save.
- Liberty Mutual may offer discounts for newly married, newly retired, teen driver discount, exclusive group savings, multi-policy, and new vehicle discount.
- American Family may have discounts that include good student, bundled insurance, good driver, air bags, multi-vehicle, and mySafetyValet.
- Progressive includes discounts for multi-vehicle, multi-policy, continuous coverage, online signing, good student, and homeowner.
- Farmers Insurance offers discounts for multi-car, good student, switch companies, teen driver, mature driver, and pay in full.
- Auto-Owners Insurance has savings for group or association, company car, multi-policy, anti-lock brakes, and student away at school.
- SAFECO offers premium reductions for safe driver, bundle discounts, teen safety rewards, multi-car, and drive less.
The example below shows the comparison of insurance premiums with and without discounts applied to the rates. Data assumes a male driver, no accidents or driving violations, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with passive restraint, accident-free, marriage, vehicle safety, claim-free, and multiple policy discounts applied. In this example, the amount saved on car insurance for 19 year olds is 28% or $936.
Irresponsible driving raises your rates
The ideal way to snag the cheapest car insurance rates in Fresno for teenage drivers is to be a careful driver and not have accidents or get tickets. The information below highlights how speeding tickets and fender-benders impact insurance costs for different age groups of insureds. The data assumes a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.
The chart shows that the average cost of car insurance per year with a clean driving record and no accidents is $3,147. Add in two speeding tickets and the average cost rises to $4,177, an increase of $1,030 each year. Now get two accidents along with the two speeding tickets and the 12-month cost of car insurance for 19 year olds increases to an average of $7,945. That’s an increase of $4,798, or $400 per month, just for being a little careless behind the wheel!
Comparing rates can save you money
Fresno, CA car insurance rates are calculated based on many things that control the policy premium. Simply turning a year older, moving to a new city, or getting a few speeding tickets can trigger rate changes that can now make some companies more affordable than before. Not only that, but companies file new California car insurance rates at least once a year in order to be able to pay unexpected claims. Higher than usual claims may result in higher prices, while a better loss history may cause cheaper Fresno car insurance rates.
The graph below analyzes the cheapest car insurance in Fresno, CA for a 35-year-old male driver with no accidents or violations, and a high credit rating. Based on his current rating profile, USAA may have the lowest car insurance rates in Fresno at $1,296 a year. This is $355 less than the average policy premium paid by California drivers of $1,651. CSAA, Century National, Wawanesa, and Nationwide are the rest of the cheapest Fresno, CA auto insurance companies.
The next chart shows rates after we give the driver from the first set of rates a couple of claims, a lower credit rating, and a speeding citation. Due to the fact that every insurance company uses their own calculation to set policy rates, getting updated rate quotes may result in a substantially altered list of the cheapest Fresno car insurance companies as shown below.
Grange now has the lowest price in Fresno, CA with Mercury, Progressive, Allstate, and GEICO completing the list. This demonstrates why California drivers need to compare as many rates as possible when trying to find the most affordable auto insurance quotes for 19 year olds.
Insurance prices are calculated by many risk factors and change substantially, so the best price two years ago may now be quite expensive.
The insurance agencies listed below can probably aid you in deciding which policy is best, since some people have coverage questions and would like to have professional advice when trying to find lower insurance rates for teenage drivers. It can be challenging to find the cheapest rate yourself, and insurance agents can add peace of mind knowing your coverage gives you suitable coverage if you have an accident.
To find an auto insurance agency closest to you, click the button following the list or click here to compare prices now.
Danny Armenta – State Farm Insurance Agent
6105 E Kings Canyon Rd Ste 108 – Fresno, CA 93727 – (559) 453-1554
New Horizon Insurance Services- Fresno
7543 N Ingram Ave #105 – Fresno, CA 93711 – (559) 244-6644
Bob Perry – State Farm Insurance Agent
3210 E Shields Ave #6 – Fresno, CA 93726 – (559) 224-4546
Marc Bomarito – State Farm Insurance Agent
9497 N Fort Washington Rd Ste 101 – Fresno, CA 93730 – (559) 224-8660