The vehicle driven is a large consideration when comparing economical coverage for teenage males. Vehicles with limited speed and performance, good crash test ratings, or low incidents of liability claims will cost substantially less to insure than higher performance models.
The table below shows auto insurance prices for a selection of the most budget-friendly vehicles to buy insurance for.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 2WD | $4,776 |
| Honda CR-V EX 4WD | $4,820 |
| Hyundai Elantra SE Touring Station Wagon | $5,113 |
| Toyota Prius | $5,159 |
| Ford Explorer XLT AWD | $5,368 |
| Dodge Grand Caravan SE | $5,374 |
| Honda Odyssey EX W/Rear Entertainment | $5,616 |
| Chevrolet Malibu Hybrid | $5,660 |
| Chevrolet Equinox LS AWD | $5,670 |
| Toyota RAV4 Limited 2WD | $5,660 |
| Jeep Grand Cherokee Laredo 4WD | $5,668 |
| Ford F-150 XLT Crew Cab 4WD | $5,707 |
| Toyota Tacoma Double Cab 4WD | $5,716 |
| Toyota Corolla XLE | $5,953 |
| Ford Edge Limited AWD | $5,959 |
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Data based on single male driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium costs do not factor in zip code location which can impact coverage rates substantially.
Based upon the rates shown, models like the Ford Escape, Honda CR-V, Hyundai Elantra, Toyota Prius, and Ford Explorer should be some of the most affordable vehicles to insure for teen boys. The price for car insurance will be more costly just due to the fact that there is more liability risk for teenage males, but overall those vehicles will most likely have the best rates compared to other types of vehicles.
For teen boys, one of the largest factors that are used to help calculate car insurance rates is your zip code. Areas with high crime rates or more dense population tend to have higher auto insurance costs, whereas areas with less crime or weather claims have the enjoyment of a little cheaper coverage.
The following table shows the most expensive places in California for teenage males to purchase auto insurance in. Riverside makes the list at #14 with an annual premium of $1,527 for the average insured, which is about $127 each month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Los Angeles | $2,104 |
| 2 | Glendale | $2,058 |
| 3 | San Francisco | $1,711 |
| 4 | Oakland | $1,687 |
| 5 | Sacramento | $1,652 |
| 6 | Long Beach | $1,610 |
| 7 | Fontana | $1,581 |
| 8 | San Bernardino | $1,580 |
| 9 | Santa Clarita | $1,580 |
| 10 | Garden Grove | $1,554 |
| 11 | Moreno Valley | $1,551 |
| 12 | Stockton | $1,541 |
| 13 | Modesto | $1,532 |
| 14 | Riverside | $1,527 |
| 15 | Fresno | $1,472 |
| 16 | Santa Ana | $1,453 |
| 17 | San Jose | $1,437 |
| 18 | Anaheim | $1,430 |
| 19 | Irvine | $1,384 |
| 20 | Huntington Beach | $1,374 |
| 21 | Bakersfield | $1,353 |
| 22 | Fremont | $1,348 |
| 23 | San Diego | $1,340 |
| 24 | Oxnard | $1,318 |
| 25 | Chula Vista | $1,311 |
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Premium costs are comparative as the specific garaging location can change coverage rates greatly.
Ratings for California car insurance companies
Finding the best insurer can be challenging considering how many different companies there are to choose from in Riverside. The ranking data below could help you pick which auto insurers you want to consider when shopping insurance around for teenage males.
The ratings below only include large, nationwide insurance companies, so companies that may only write in California are not taken into consideration for this list. To compare rates from the insurers below and more, click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
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Data Source: Insure.com Best Car Insurance Companies
Full coverage rates compared to liability-only
Saving money when shopping for car insurance is important to the majority of vehicle owners, and one great way to find cheaper insurance for teenage males is to not buy full coverage. The illustration below shows the difference between insurance premiums with full physical damage coverage and with liability coverage only. The data assumes a clean driving record, no claims, $100 deductibles, marital status is single, and no discounts are applied to the premium.
If we average the cost for ages 20 through 70, comp and collision coverage costs an extra $2,812 per year more than just insuring for liability. That is a large expense and it proposes the question if paying for full coverage is worth it. There is no exact rule that is best for determining when to drop physical damage insurance, but there is a broad guideline. If the annual cost of coverage is more than around 10% of any settlement you would receive from your insurance company, then it could be time to drop full coverage.
Impact of careless driving on Riverside car insurance rates
One of the best ways to find low car insurance rates in California for teen boys is to be an attentive driver and avoid accidents and violations. The information below illustrates how traffic citations and at-fault fender-benders raise car insurance rates for different categories of driver ages. The rates are based on a single male driver, full coverage, $500 deductibles, and no discounts are applied to the premium.
The data in the chart shows the average cost of an auto insurance policy in California per year with no accidents or violations is $2,816. Factor in one speeding ticket and the average cost jumps to $3,177, an increase of $361 each year. Now throw in one accident along with the one speeding ticket and the 12-month cost of car insurance for teenage males increases to an average of $4,183. That’s an increase of $1,367, or $114 per month, just for not driving responsibly!
Ideas to find economical car insurance for teenage males
It is possible to find better rates, and here are some thrifty solutions that can help Riverside drivers quote cheaper auto insurance.
- Safe vehicles cost less to insure
- Buy your auto and home insurance from the same company and save
- Prevent rate increases by staying accident-free
- Higher credit scores may earn you cheaper rates
- Do not pay for comprehensive and collision coverage on older vehicles
- Compare rates regularly and switch companies to save money
The last tip is highly significant, as was discussed in this write-up. Insurance rates in Riverside can change considerably based on profitability, so don’t be hesitant to change insurance companies if a better deal can be had. Staying with the same car insurance company is fine, but is isn’t recommended if that loyalty results in overpaying a lot of money every month. If you have a few minutes, now is a great time to compare prices and find cheaper insurance for teenage males.