I’m sure you’ve seen the captivating ads from auto insurance companies like Liberty Mutual and State Farm guaranteeing huge savings. So you should just choose the one with the most memorable commercial, right?
It’s just not that easy, however, as there are a ton of unknown elements such as the neighborhood you live in, how many years you have been driving, and if you want full coverage included, that all have an effect on the price of a policy. This article will cover these types of topics and hopefully give you enough understanding to have some help in finding cheaper rates.
The car, truck, or SUV you are insuring is one of the largest factors that determines whether or not you can buy low-cost auto insurance for high school students. Vehicles with higher performance characteristics, poor safety features, or an increased likelihood of liability claims will cost quite a bit more to insure than more modest models. The information below estimates auto insurance costs for the more affordable vehicles to buy coverage for.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Honda CR-V EX 4WD||$3,933|
|Ford Escape Limited 2WD||$3,940|
|Hyundai Elantra SE Touring Station Wagon||$4,188|
|Volkswagen Jetta S 2.5 Station Wagon||$4,193|
|Ford Edge SE 2WD||$4,323|
|Jeep Wrangler Rubicon 4WD 2-Dr||$4,363|
|Dodge Grand Caravan CV||$4,369|
|Chevrolet Impala LS||$4,578|
|Toyota Tacoma Double Cab 4WD||$4,617|
|Jeep Grand Cherokee Laredo 4WD||$4,622|
|Chevrolet Equinox LT 2WD||$4,617|
|Toyota RAV4 Limited 4WD||$4,624|
|Ford Explorer Eddie Bauer 4WD||$4,659|
|Ford F-150 FX4 4WD||$4,667|
|Honda Civic LX-S 4-Dr Sedan||$4,832|
|Ford Focus SEL 4-Dr Sedan||$4,837|
|Honda Odyssey EX-L||$4,872|
|Toyota Camry XLE||$4,877|
|Chevrolet Malibu LTZ||$4,914|
|Toyota Corolla XRS||$4,923|
|GMC Sierra SLT Extended Cab 2WD||$4,914|
|Chevrolet Silverado 3500HD LT Crew Cab 2WD||$4,954|
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Data based on single male 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. Rate information does not factor in specific location which can raise or lower insurance rates greatly.
Based upon the table data, we can tell that models like the Honda CR-V, Ford Escape, Hyundai Elantra, and Volkswagen Jetta are likely to be a few of the most budget-friendly vehicles to insure for teenagers. Rates will be more expensive because there is more inherent risk for high school students, but overall those makes and models will tend to have the best rates that you’ll find.
Deciphering which insurers offer the lowest-priced insurance rates for high school students calls for a bit more work in order to find the lowest price quote.
Each company has their own guidelines to establish rates, so we need to take a look at the overall cheapest insurance companies in California. It’s important to know that Fresno insurance rates are influenced by many factors which can substantially change the price of coverage. Simply having another birthday, becoming a homeowner, or getting a driving violation can trigger rate changes resulting in some rates now being more affordable than the competition.
Lowest Insurance Price Quotes for Students
|Rank||Company||Cost Per Year|
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USAA may offer some of the cheapest car insurance rates in Fresno at around $1,143 annually. This is $508 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also qualify as some of the lowest-priced Fresno, CA auto insurance companies.
In this example, if you are a customer of CSAA and switched to Wawanesa, you may realize a yearly savings of roughly $88. Drivers with Nationwide could save as much as $117 a year, and 21st Century policyholders might cut rates by $192 a year.
It’s important to note that these rates are averages for all insureds and vehicles and do not factor in an exact location for high school students. So the car 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 affirms the importance of why you need to quote rates from many companies using your own driver and vehicle profiles.
For teenagers, one of the big factors that aid in calculating the amount you pay for auto insurance is where you choose to live. Cities with larger populations are more likely to have higher rates, whereas areas with less congestion benefit from lower prices.
The next table ranks the most costly cities in California for high school students to purchase auto insurance in. Fresno is ranked at #14 having an annual price of $1,517 for the average policy, which is about $126 monthly.
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Information shown are comparative as specific Fresno garaging address can change premium rates considerably.
Which insurance company is best in California?
Buying coverage from a good quality insurance company is difficult considering how many choices drivers have in California. The company information in the lists below may help you decide which auto insurance companies you want to consider purchasing from.
These ratings include the companies with a significant amount of written premium nationwide, so companies with more of a regional focus are not included in the list. To get price quotes from the insurers below and more, follow this link.
Top 10 Major Auto Insurers in Fresno 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%
Irresponsible driving raises your rates
The best way to obtain good insurance rates in Fresno for teenagers is to be a careful driver and avoid accidents and traffic citations. The diagram below illustrates how violations and at-fault claims raise premium costs for different age groups. The data assumes a married female driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.
The chart shows that the average cost of an auto insurance policy in Fresno per year with no accidents and a clean driving record is $2,596. Factor in two speeding tickets and the average cost surges to $3,710, an increase of $1,114 each year. Now get one accident along with the two speeding tickets and the 12-month cost of insurance for high school students increases to an average of $4,851. That’s an increase of $2,255, or $188 per month, just for not driving safely!
Who has the cheapest Fresno car insurance?
Fresno insurance rates are based on many factors that may substantially change the policy premium. Turning one year older, buying a new vehicle, or getting a reckless driving citation can trigger changes in premium that can cause some rates to be more affordable than others. Also, car insurance companies change the rates they charge in California as needed as an adjustment for underwriting gains or losses. Significantly higher losses may cause additional premium costs, while a better loss history may produce cheaper Fresno car insurance rates.
To help illustrate this point, the bar chart below compares the cheapest car insurance in Fresno, CA for a 30-year-old female driver with a clean driving record, no accidents, and solid credit. When comparing rates based on her current situation, USAA has the cheapest car insurance rates in Fresno at $1,265 per year. This is $386 less than the average premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide round out the rest of the cheapest Fresno, CA auto insurance companies.
Let’s now give the driver in the first chart a chargeable accident, a lower credit rating, and a traffic ticket or two. Since each auto insurer uses their own calculation to determining premium rates, comparing prices may now show a different list of the cheapest Fresno car insurance companies as shown below.
Grange now has the cheapest price in Fresno with Progressive, Allstate, GEICO, and Mercury now rounding out the top five. This example proves why consumers need to compare rates to get the most budget-friendly insurance rates for high school students. Car insurance prices are determined by many factors and change frequently, so the best company the last time you compared rates may now not even be in the top five.
How to find economical auto insurance for high school students
Below you’ll find some thrifty suggestions that can help California drivers quote more affordable auto insurance.
- Save money by insuring your home and auto with the same company
- Avoid getting tickets or violations
- Choose a safer vehicle and pay lower rates
- Avoid having at-fault accidents
- Avoid filing small claims
- Compare rate quotes frequently
That last idea is very necessary, as was emphasized in this write-up. Auto insurance prices in Fresno adjust frequently, so don’t be hesitant to buy from a new company if a more affordable price is available.
Brand loyalty is not necessarily bad, but is isn’t recommended if it’s costing you potentially thousands of dollars a year. Take a couple minutes and shop around and find cheaper insurance for high school students.
The Fresno car insurance agencies listed below can probably help you determine which insurance coverage you need, as many consumers aren’t sure which coverage to buy and prefer to have a professional recommendation when buying car insurance for high school students. It can be complicated to find the best coverage yourself, so getting professional guidance from a licensed agent can give you peace of mind knowing you have adequate coverage if you have an accident or claim. To locate a Fresno auto insurance agent close to where you live, click the link at the bottom or click here to compare price quotes.
Farmers Insurance – Jagdeep Singh
4185 W Figarden Dr #101 – Fresno, CA 93722 – (559) 527-5530
Farmers Insurance: Israel Cortes
5446 N Palm Ave #105 – Fresno, CA 93704 – (559) 230-1300
Allstate Insurance: Geena Cha
2511 E Lamona Ave – Fresno, CA 93703 – (559) 494-0766
Allstate Insurance: Frank Salvio
745 E Locust Ave Ste 109 – Fresno, CA 93720 – (559) 449-1603