Who Has the Cheapest Santa Ana Auto Insurance for 16 Year Olds?

The words "bargain" and "auto insurance" really don't belong together, in particular when you are trying to find the cheapest car insurance for 16 year olds. To save some money, let's start the ball rolling by going over a few of the factors that can significantly affect insurance rates, and come up with some ways to lower the price of the next policy you buy.

The vehicle model requiring insurance is a large consideration when quoting affordable coverage for 16 year olds. Vehicles with limited speed and performance, advanced safety features, or a track record of few liability claims will cost substantially less to insure than fast, unsafe models.

The table below shows coverage costs for the most budget-friendly automobiles to buy coverage for.

Price data assumes 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. Premium costs do not factor in specific location information which can influence premium rates noticeably.

Looking at the rates, we can tell that models like the Honda CR-V, Ford Escape, and Toyota Prius are most likely to be the more affordable vehicles to insure for new drivers. Prices will be higher anyway just because there is more liability exposure for 16 year olds, but overall those makes and models will probably have the cheapest auto insurance rates that you are likely to find.

One of the more important criteria that are looked at to help calculate the amount you pay each year for auto insurance is where your car is garaged. Areas with more people or even just a higher incidence of claims will most likely have higher rates, whereas areas with less crime or weather claims benefit from having to pay less for coverage.

The information below lists the most expensive places in California for 16 year olds to buy auto insurance in. Santa Ana is ranked #12 with an annual cost of $1,497 for coverage, which is about $125 each month.

Rate information is approximated as zip code location can modify coverage rates considerably.

Finding reasonably-priced car insurance is not always easy, and figuring out which companies quote the best car insurance rates for 16 year olds may require even more diligence. Each auto insurer uses a slightly different approach for determining rates in each state, so let's begin by examining the most affordable car insurance companies in California.

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USAA normally has some of the best car insurance rates in Santa Ana at around $1,155 a year. Wawanesa, Century National, CSAA, and Nationwide would also be considered some of the cheaper Santa Ana, CA car insurance companies.

As the rates illustrate above, if you currently have coverage with Century National and switched to USAA, you might achieve an annual savings of around $35. Insureds with CSAA may save as much as $43 a year, and Nationwide customers might lower prices by up to $71 a year.

To discover how much you can save, click here to start your free quote or visit several of the following companies.

Be aware that those estimates are averages for all types of insureds and vehicles and do not take into consideration a specific zip code for 16 year olds. So the insurer that fits you best may not even be in the top 24 companies shown above. That is why you need to get quotes using your own driver data and vehicle information.

The information below highlights how deductible selection can raise or lower annual premium costs when getting quotes for cheap insurance for 16 year olds. The premiums are based on a married female driver, comp and collision included, and no policy discounts are applied.

A 30-year-old driver could save $490 a year by changing from a $100 deductible to a $500 deductible, or save $736 by changing to a $1,000 deductible. Younger drivers, like the Age 20 chart data, could save $1,042 every year just by choosing higher deductibles. If you do raise deductibles, it will be important to have additional savings on hand to satisfy the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Discount Santa Ana insurance

Auto insurance companies that offer coverage for 16 year olds may also give you price discounts that could lower prices by as much as 35% or more if you qualify for them. Popular car insurance companies and some of the premium reductions they offer can be found below.

• Progressive may have discounts that include continuous coverage, multi-policy, multi-vehicle, good student, and online signing.
• SAFECO has discounts for bundle discounts, multi-car, homeowner, teen safe driver, drive less, and teen safety rewards.
• American Family policyholders can earn discounts including air bags, accident-free, defensive driver, mySafetyValet, TimeAway discount, Steer into Savings, and good student.
• MetLife may include discounts for good driver, accident-free, defensive driver, claim-free, multi-policy, good student
• GEICO has savings for air bags, military active duty, membership and employees, federal employee, anti-lock brakes, defensive driver, and seat belt use.
• The Hartford offers premium reductions for vehicle fuel type, good student, driver training, defensive driver, air bag, and anti-theft.

The illustration below compares yearly insurance costs with and without some available policy discounts. The rates are based on a female driver, no claims or driving violations, California state minimum liability limits, comp and collision included, and $250 deductibles.

The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with vehicle safety, continuous coverage, paid-in-full, anti-theft, good student, and passive restraint discounts applied. When drivers take advantage of discounts, the average amount saved each year on car insurance for 16 year olds is 28% or $1,058.

Buying coverage from the right car insurance provider is hard considering how many choices there are in California. The ranking information shown next may help you select which coverage providers you want to consider when looking for cheaper rates.

These rankings are only comprised of the largest companies in the United States, so companies with more of a regional focus are not factored into these rankings. To check rates from the insurers below and more, simply click here.