The words “bargain” and “auto insurance” probably shouldn’t be used in the same sentence, especially when trying to find the best insurance rates for 16 year olds. Because of the high cost, let’s start off by going over some things that influence car insurance prices, and find a way to lower the price of the next policy you buy.
The vehicle to be insured is one of the primary factors when comparison shopping for the best auto insurance for 16 year olds. Vehicles with more horsepower, a lack of advanced safety features, or an increased likelihood of liability claims will cost more to insure than more modest models.
The data below ranks car insurance premiums for a selection of the most economical vehicles to buy coverage for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord EX 4-Dr Sedan | $3,459 |
| Honda CR-V EX 4WD | $3,491 |
| Ford Escape XLT 4WD | $3,496 |
| Toyota Prius | $3,734 |
| Ford Explorer Eddie Bauer 2WD | $3,895 |
| Dodge Grand Caravan CV | $3,904 |
| Ford F-150 XL Crew Cab 4WD | $3,927 |
| Ford Edge Limited 2WD | $4,075 |
| Toyota Tacoma 2WD | $4,080 |
| Toyota RAV4 2WD | $4,107 |
| GMC Sierra SL Extended Cab 2WD | $4,113 |
| Toyota Camry LE | $4,107 |
| Dodge Ram Quad Cab ST 2WD | $4,245 |
| Chevrolet Impala LTZ | $4,317 |
| Hyundai Elantra GLS 4-Dr Sedan | $4,325 |
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Data based on single female 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 estimates do not factor in specific zip code location which can modify price quotes significantly.
Looking at the rates, you can see that cars like the Honda Accord, Honda CR-V, Ford Escape, and Toyota Prius are likely to be the cheapest vehicles to insure for new drivers. Prices will tend to be more expensive because of the fact that there is more risk for 16 year olds, but generally speaking those particular vehicles will tend to have the lowest insurance prices compared to other vehicles.
Figuring out which companies have the cheapest auto insurance rates for 16 year olds takes a bit more effort than just getting one or two price quotes. Each insurer uses a little different formula to establish rates, so we’ll take a look at the auto insurance companies with the overall cheapest rates in Bakersfield.
We do need to point out that Bakersfield, CA auto insurance rates are based on many factors that may substantially change your annual premium. Improving your credit score, filing a claim, or getting a DUI can trigger changes in premium resulting in some companies being cheaper than competitors.
Lowest Insurance Price Quotes for Teens
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Wawanesa | $1,157 |
| 3 | Century National | $1,226 |
| 4 | CSAA | $1,234 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,433 |
| 8 | Allstate | $1,497 |
| 9 | GEICO | $1,529 |
| 10 | Progressive | $1,542 |
| 11 | Mercury | $1,548 |
| 12 | Allied | $1,603 |
| 13 | MetLife | $1,638 |
| 14 | The Hartford | $1,639 |
| 15 | State Farm | $1,682 |
| 16 | Unitrin | $1,699 |
| 17 | Esurance | $1,705 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,842 |
| 20 | Farmers | $1,946 |
| Find Cheaper Rates Go | ||
USAA offers some of the lowest car insurance rates in Bakersfield at around $1,143 per year. Wawanesa, Century National, CSAA, and Nationwide would also make the list of some of the cheapest Bakersfield, CA auto insurance companies.
In the rate table above, if you are currently insured with Nationwide and switched to Wawanesa, you may realize an annual savings of in the neighborhood of $106. Insureds with 21st Century might save as much as $168 a year, and Grange insureds might reduce rates by $276 a year.
To get a quick, customized rate comparison, click here to start your free quote or visit several of the following companies.
These estimates are averages for all ages of drivers and types of vehicles and do not take into consideration an exact vehicle garaging location for 16 year olds. So the car insurance company that fits your needs best may not even be in the top 24 companies shown above. That helps illustrate why you need to compare as many prices as possible using your own driver and vehicle profiles.
How accidents and violations affect rates
In a perfect world, the ideal way to enjoy affordable auto insurance prices in Bakersfield for new drivers is to drive safely and avoid accidents and traffic citations. The example below shows how speeding tickets and accident claims can drive up car insurance costs for each different age group. The information is based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.
The data in the chart shows the average cost of an auto insurance policy in California per year with no accidents or violations is $2,372. Get one speeding ticket and the average cost increases to $2,765, an increase of $392 each year. Now include two accidents along with the one speeding ticket and the annual cost of auto insurance for 16 year olds goes up to an average of $6,191. That’s an increase of $3,818, or $318 per month, just for not driving carefully!
Types of discounts on Bakersfield insurance
Insurance companies that provide policies for 16 year olds may also offer premium discounts that may potentially lower prices by as much as 35% or more if you meet specific eligibility requirements. A list of auto insurance companies and a summarized list of policyholder discounts can be read below.
- Farm Bureau discounts include multi-vehicle, safe driver, renewal discount, driver training, youthful driver, and 55 and retired.
- Liberty Mutual policyholders can earn discounts including teen driver discount, good student, multi-car, new graduate, preferred payment discount, and safety features.
- State Farm includes discounts for Drive Safe & Save, multiple autos, multiple policy, passive restraint, safe vehicle, and defensive driving training.
- Auto-Owners Insurance may include discounts for safe vehicle, paperless, mature driver, group or association, good student, and paid in full.
- GEICO offers discounts for emergency military deployment, air bags, defensive driver, driver training, multi-vehicle, membership and employees, and military active duty.
- SAFECO has savings for homeowner, drive less, teen safe driver, bundle discounts, teen safety rewards, and anti-theft.
The chart below compares insurance costs with and without discounts applied. The premiums are based on a female driver, no claims or violations, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with anti-theft, passive restraint, vehicle safety, paperless filing, paid-in-full, and good student discounts applied. When drivers take advantage of discounts, theamount saved on auto insurance for 16 year olds is 28% or $711.
Choosing a good quality insurer can be rather challenging considering how many companies there are in Bakersfield. The rank data in the next section can help you analyze which insurers to look at comparing rate quotes with.
The ratings below are only made up of major nationwide insurance companies, so smaller regional companies will not be included in these rankings. To compare price quotes from the insurers below and more, click this link.
Top 10 Large Auto Insurance Providers Overall in Bakersfield
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive