The car, truck, or SUV to be insured is probably the biggest factor when comparing cheaper car insurance for 19 year olds. Vehicles with lower performance, modern passenger safety features, or a low likelihood of liability claims will cost quite a bit less to insure than high performance models. The table below features auto insurance prices for a selection of the most cost-effective vehicles to buy coverage for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $2,414 |
| Honda Accord LX-P 4-Dr Sedan | $2,419 |
| Ford Escape XLS 2WD | $2,414 |
| Toyota Prius | $2,641 |
| Dodge Grand Caravan CV | $2,697 |
| Chevrolet Impala LS | $2,838 |
| Ford Edge Limited 2WD | $2,844 |
| Volkswagen Jetta LE 4-Dr Sedan | $2,866 |
| Toyota RAV4 4WD | $2,873 |
| Chevrolet Malibu Hybrid | $2,866 |
| Chevrolet Equinox LS AWD | $2,875 |
| GMC Sierra SLE Crew Cab 2WD | $2,866 |
| Ford Explorer Eddie Bauer 4WD | $2,895 |
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Data rating is based on single female driver age 19, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Estimates do not factor in vehicle location which can impact coverage rates greatly.
Looking at the data, we can presume that models like the Honda CR-V, Honda Accord, and Ford Escape are likely to be a few of the most economical vehicles to insure for teenage drivers. Rates will tend to be higher because there is more inherent risk for 19 year olds, but in general those particular models will tend to have the best insurance prices possible.
Finding decent, reasonably-priced insurance is confusing at best, and determining which companies quote the lowest-priced car insurance rates for 19 year olds will involve even more diligence. Every insurance provider has a proprietary formula for determining rates, so we’ll take a look at the overall cheapest car insurance companies in Bakersfield, CA.
It’s important to understand that Bakersfield, CA car insurance rates are influenced by many factors that can increase the price you have to pay for coverage. Turning one year older, buying a different vehicle, or getting a driving violation may prompt premium changes that can make some companies more expensive than others.
Best Cheap Insurance Rates for Teens
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Wawanesa | $1,146 |
| 2 | USAA | $1,155 |
| 3 | CSAA | $1,186 |
| 4 | Century National | $1,226 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,491 |
| 8 | Allstate | $1,497 |
| 9 | Progressive | $1,542 |
| 10 | Mercury | $1,548 |
| 11 | The Hartford | $1,575 |
| 12 | GEICO | $1,575 |
| 13 | Allied | $1,603 |
| 14 | MetLife | $1,606 |
| 15 | State Farm | $1,699 |
| 16 | Unitrin | $1,750 |
| 17 | Esurance | $1,756 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,842 |
| 20 | Farmers | $2,026 |
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Wawanesa may have some of the cheapest car insurance rates in Bakersfield at around $1,146 each year. This is $505 less than the average rate paid by California drivers of $1,651. USAA, CSAA, Century National, and Nationwide also are some of the more affordable Bakersfield, CA insurance companies.
In the above example, if you currently have a policy with CSAA and switched to Wawanesa, you might achieve yearly savings of approximately $40. Customers with Century National might save as much as $80 a year, and Nationwide insureds might reduce prices by as much as $117 a year.
To find the cheapest rates for your vehicle, click here to start your free quote or click through to the companies below.
It’s important to note that these prices are averages for all types of insureds and vehicles and and are not figured with a specific vehicle garaging location for 19 year olds. So the car insurance company that can offer you the lowest price may not even be in the top 24 companies in the list above. That emphasizes why you need to get car insurance quotes using your own driver and vehicle profiles.
Do you need full coverage?
Buying cheaper car insurance should be important to the majority of drivers, and one of the easiest ways to buy cheap insurance for 19 year olds is to only pay for liability coverage. The chart below visualizes the comparison of insurance costs with full physical damage coverage and with liability coverage only. The costs are based on a clean driving record, no at-fault accidents, $100 deductibles, drivers are single, and no discounts are applied.
Averaged for all ages 20 through 70, physical damage coverage on your policy costs an extra $2,525 per year more than carrying just liability coverage. That brings up the question if paying for full coverage is worth it. There is no written rule that works best for making the decision to drop physical damage insurance, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.
Get discounts on Bakersfield insurance
Car insurance companies that offer cheap quotes for 19 year olds could also offer policy discounts that can lower rates by as much as 35% if you meet specific criteria. Popular car insurance companies and some of the premium reductions they offer are shown below.
- Mercury Insurance includes discounts for good student, age of vehicle, low natural disaster claims, anti-theft, and ease of repair.
- Farmers Insurance offers premium reductions for distant student, youthful driver, electronic funds transfer, switch companies, mature driver, and teen driver.
- Farm Bureau discounts include multi-vehicle, driver training, safe driver, good student, multi-policy, and renewal discount.
- State Farm has savings for multiple policy, safe vehicle, driver’s education, accident-free, and good driver.
- Allstate offers discounts for eSmart discount, new car, defensive driver, premier discount, auto/life discount, and good student.
- GEICO offers discounts including good student, defensive driver, membership and employees, driver training, multi-vehicle, anti-lock brakes, and military active duty.
The example below shows the difference between auto insurance rates with and without some available policy discounts. The rate quotes are based on a female driver, no tickets, no at-fault accidents, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with multiple policy, accident-free, marriage, claim-free, passive restraint, and vehicle safety discounts applied. When discounts are applied, the average savings per year on car insurance for 19 year olds is 28% or $783.
What is the best car insurance company in Bakersfield?
Picking the right insurance company can be challenging considering how many different companies sell coverage in Bakersfield. The ranking information in the lists below could help you choose which providers to look at putting your business with. These rankings are only made up of companies who write in the majority of U.S. states, so smaller companies that only insure vehicles in California are not taken into consideration for this list.
| 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
Who has the cheapest Bakersfield car insurance?
Bakersfield car insurance rates are influenced by many factors that will increase or decrease the cost of having a policy. Improving your credit score, buying a different home, or getting a DUI can produce rate changes that can make some companies cheaper than before.
Not only that, but car insurance companies change prices every year or even multiple times each year to adjust for gains or losses. A period of increased losses may result in higher prices, while less frequent claims can cause cheaper Bakersfield car insurance rates.
For example, the bar chart below demonstrates which company has the cheapest car insurance in Bakersfield, CA for a 45-year-old female driver with no accidents, a clean driving record, and a good credit history. If we look at prices based on her current risk profile, USAA has the best car insurance rates in Bakersfield at $1,146 a year. This is $505 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are the remainder of the top five cheapest Bakersfield, CA auto insurance companies.
Now let’s give the driver from the above example a claim surcharge, bad credit, and a stop sign violation. Since every insurance provider has a unique approach for setting prices, comparing prices may now present a different ranking of the cheapest car insurance companies in Bakersfield as shown below.
Grange now has the cheapest insurance rate in Bakersfield with Allstate, GEICO, Mercury, and Allied also being competitive. This demonstrates why drivers need to compare many different companies when trying to get affordable car insurance quotes for 19 year olds.
Rates are determined by many risk factors and can change substantially, so the most affordable company six months ago may now be an over-priced policy.