The words “economical” and “auto insurance” really shouldn’t be used in the same sentence, especially when comparison shopping for the cheapest car insurance for teenage males. In an attempt to save some money, let’s open your eyes to a few of the factors that have an effect on insurance rates, and come up with some ideas to take the bite out of your next policy.
For teen boys, one of the more important considerations that are looked at to help calculate insurance cost is where your car is garaged in Fresno. Regions with more people or even just more weather-related claims likely pay more, whereas areas with less congestion benefit from lower coverage costs.
The next table sorts the highest-priced places in California for teenage males to purchase car insurance in. Fresno is listed at #14 with an annual premium of $1,502 on average, which is around $125 each month.
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Rates are estimated as the specific area where the vehicle is garaged can impact auto insurance rates substantially.
The vehicle model you are buying coverage for is one of the largest factors when comparing quotes for low-cost car insurance for teenage males. Vehicles with lots of speed or power, poor safety ratings, or high incidents of liability claims will cost significantly more to insure than more economical and safe models. The next list illustrates auto insurance rates for a handful of the cheaper automobiles to insure.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Honda Accord LX-P 4-Dr Sedan||$4,719|
|Hyundai Elantra GLS Touring Station Wagon||$4,727|
|Ford Escape XLT 4WD||$4,763|
|Honda CR-V EX-L 4WD||$4,773|
|Jeep Wrangler Sport 4WD 2-Dr||$4,977|
|Ford Edge SE 2WD||$5,265|
|Ford F-150 XL Super Cab 4WD||$5,310|
|Chevrolet Impala LS||$5,554|
|Ford Focus S 4-Dr Sedan||$5,562|
|Toyota RAV4 2WD||$5,598|
|Toyota Camry LE||$5,603|
|Toyota Tacoma Double Cab 4WD||$5,598|
|Chevrolet Malibu Hybrid||$5,606|
|Chevrolet Equinox LT 2WD||$5,598|
|Jeep Grand Cherokee Laredo 2WD||$5,608|
|Dodge Grand Caravan SXT||$5,645|
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Cost estimates assume single male driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Price information does not factor in vehicle garaging location which can raise or lower auto insurance rates noticeably.
Looking at the rates, cars like the Honda Accord, Hyundai Elantra, Ford Escape, and Honda CR-V are likely to be some of the most economical vehicles to insure for teen boys. The price for car insurance will tend to be higher just because there is more liability risk for teenage males, but overall those particular vehicles will most likely have the best insurance prices possible.
Trying to find low-cost insurance is not the easiest thing to do, and figuring out which companies have the lowest-priced car insurance rates for teenage males will involve additional perseverance.
Each auto insurer uses different criteria to set premium rates, so let’s take a look at the car insurance companies that tend to be cheaper in Fresno, CA. It’s important that you understand Fresno, CA car insurance rates are determined by lots of factors that will increase or decrease the price you have to pay for coverage. Things like having a birthday, buying another vehicle, or getting into an accident can trigger rate changes that may make certain companies much higher than others.
Cheapest Insurance Rates for Teens
|Rank||Company||Cost Per Year|
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USAA normally has some of the best car insurance rates in Fresno at around $1,155 a year. This is $496 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Nationwide, CSAA, and Century National would also make the list of some of the best Fresno, CA insurance companies.
As illustrated above, if you currently have a policy with CSAA and switched to USAA, you could see an annual savings of in the neighborhood of $67. Customers with Century National might save as much as $71 a year, and 21st Century customers might see rate reductions of $211 a year.
Understand that those prices are averages for all insureds and vehicles and are not factoring in a specific vehicle garaging location for teenage males. So the company that has the cheapest price for you may not even be in the top 24 companies in the list above. That point stresses why you need to get quotes using your own specific driver and vehicle information.
The illustration below demonstrates how choosing different deductibles can impact premium costs when searching for cheap insurance for teenage males. The data assumes a married male driver, full coverage, and no discounts are applied.
As shown above, a 40-year-old driver could pocket $308 a year by switching from a $100 deductible to a $500 deductible, or save $466 by switching to a $1,000 deductible. Even younger drivers, like the age 20 example, could lower their rates as much as $1,026 every year by using higher deductibles when buying full coverage. If you do raise deductibles, it will be required to have enough in a savings account to offset the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Ending up with the highest-rated auto insurance provider can be difficult considering how many choices drivers have in California. The company ratings listed below can help you select which auto insurance companies you want to consider to insure your vehicles.
The ratings below only include companies that insure vehicles nationwide, so companies that have a smaller presence are not factored into these rankings. To view rates from the insurers below and more, follow this link.
Top 10 Large Car Insurance Companies 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%
Top 10 Large Car Insurance Companies Overall in Fresno
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
You may be paying too much for car insurance
Fresno, CA car insurance rates are calculated based on many things that may substantially change the price of coverage. Improving your credit rating, marrying your spouse, or getting a reckless driving citation may generate price changes that can make some companies cheaper in comparison to the competition.
Not only may things change on your end, but companies amend premium rates every year or even multiple times each year as an adjustment for underwriting gains or losses. Higher than usual claims may cause additional price hikes, while profitable underwriting can cause more affordable Fresno car insurance rates.
To illustrate this example, the data below shows which companies have the cheapest car insurance in Fresno, CA for a 40-year-old male driver with a good driving record, no prior claims, and excellent credit. When comparing rates based on his personal profile, USAA may have the best car insurance rates in Fresno at $1,304 a year. This is $347 less than the average price 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.
Now we will give the driver from the first rate comparison a claim or two, a lower credit rating, and a traffic ticket or two. Because every insurance company has their own process to set premium rates, comparing prices may result in a different set of cheap Fresno auto insurance companies as shown below.
Grange now has the best price in Fresno, CA with Progressive, Allstate, GEICO, and Allied completing the list. This illustrates why it is critical to spend some time comparing rates when trying to get the lowest insurance rates for teenage males.
Auto insurance prices are influenced by many risk factors and can decrease or increase without notice, so the most affordable company the last time you compared rates may now be wasting a lot of money.