Things would sure be easy if we could just tell you the one company in California that has the cheapest policy rates in California. It’s just not that simple, as there are a lot of unknown elements such as the annual mileage you drive, what level of deductibles you wish to have, whether or not your vehicle has good safety ratings, and whether you just need liability insurance, that all influence how much you pay for auto insurance. This article covers some of these criteria and will hopefully give you a good start in finding the cheapest car insurance in California.
For young men, one of the more important considerations that aid in calculating car insurance rates is your address. Larger areas tend to have higher rates, whereas less populated areas profit from lower rates.
The illustration below rates the most expensive places in California for 20 year old guys to buy car insurance in. Bakersfield is ranked #19 with a yearly premium of $1,394 for car insurance, which is around $116 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Los Angeles | $2,146 |
| 2 | Glendale | $2,121 |
| 3 | San Francisco | $1,745 |
| 4 | Oakland | $1,738 |
| 5 | Sacramento | $1,720 |
| 6 | Long Beach | $1,626 |
| 7 | San Bernardino | $1,596 |
| 8 | Fontana | $1,581 |
| 9 | Stockton | $1,556 |
| 10 | Garden Grove | $1,554 |
| 11 | Santa Clarita | $1,548 |
| 12 | Modesto | $1,532 |
| 13 | Fresno | $1,502 |
| 14 | Santa Ana | $1,497 |
| 15 | Moreno Valley | $1,491 |
| 16 | Riverside | $1,482 |
| 17 | Anaheim | $1,444 |
| 18 | San Jose | $1,437 |
| 19 | Bakersfield | $1,394 |
| 20 | San Diego | $1,381 |
| 21 | Huntington Beach | $1,360 |
| 22 | Fremont | $1,348 |
| 23 | Irvine | $1,330 |
| 24 | Oxnard | $1,318 |
| 25 | Chula Vista | $1,298 |
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Prices are approximated as the specific area where the vehicle is garaged can impact coverage prices significantly.
The vehicle model you are seeking coverage for is probably the biggest factor when quoting the best auto insurance for 20 year old guys. Vehicles with average performance, good safety features, or low incidents of liability claims will cost significantly less to insure than fast, unsafe models.
The next table presents insurance premiums for a number of the most cost-effective automobiles to buy coverage for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $2,152 |
| Honda CR-V EX-L 2WD | $2,185 |
| Ford Escape Limited 2WD | $2,192 |
| Toyota Prius | $2,376 |
| Ford Explorer XLT 4WD | $2,398 |
| Jeep Wrangler Sahara 4WD 2-Dr | $2,404 |
| Honda Odyssey EX W/Rear Entertainment | $2,526 |
| Chevrolet Impala LS | $2,534 |
| Dodge Grand Caravan Hero | $2,559 |
| Nissan Altima 2.5 4-Dr Sedan | $2,567 |
| Toyota RAV4 Limited 4WD | $2,559 |
| Chevrolet Equinox LT 2WD | $2,567 |
| Ford F-150 Lariat Super Cab 4WD | $2,590 |
| Toyota Tacoma Double Cab 4WD | $2,595 |
| Honda Civic LX 4-Dr Sedan | $2,686 |
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Data based on single male driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, and safe-driver. Price estimates do not factor in the specific area where the vehicle is garaged which can impact premiums significantly.
Looking at the data, makes and models like the Hyundai Elantra, Honda CR-V, Ford Escape, and Toyota Prius are most likely to be the less-costly vehicles to insure for young men. The price of auto insurance will be more expensive because there is more liability risk for 20 year old guys, but generally speaking those particular models will tend to have the best insurance prices compared to all other vehicles.
Auto insurance company ratings
Finding a high-quality car insurance company can be a challenge considering how many different insurance companies sell coverage in Bakersfield. The ranking information in the next section could help you decide which companies to look at when comparing rate quotes.
The rankings below are only comprised of companies that insure vehicles across America, so companies that have a smaller presence are not taken into consideration for the list. To get price quotes and find cheaper insurance for 20 year old guys, just click here.
Top 10 Major Auto Insurance Providers in Bakersfield 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 Major Auto Insurance Providers in Bakersfield Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
The chart below shows how choosing a deductible can impact insurance costs when researching cheap insurance for 20 year old guys. The data is based on a married male driver, full coverage, and no discounts are taken into consideration.
The data above shows that a 40-year-old driver could lower their policy premium by $308 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $466 by changing to a $1,000 deductible. Younger drivers, like the 20-year-old example, could shave $1,026 or even more just by choosing larger deductibles. When increasing deductibles, it will be required to have additional savings on hand to enable you to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
How to get discounts on Bakersfield insurance rates
Insurance companies that offer coverage for 20 year old guys may have special discounts that can lower rates by as much as 35% or more if you meet eligibility requirements. Large auto insurance companies and some of their more popular discounts are outlined below.
- American Family has savings for TimeAway discount, Steer into Savings, multi-vehicle, early bird, mySafetyValet, defensive driver, and air bags.
- Nationwide may include discounts for defensive driving, multi-policy, business or organization, family plan, Farm Bureau membership, and good student.
- MetLife may have discounts that include good student, defensive driver, accident-free, multi-policy, and good driver.
- 21st Century discounts include automatic seat belts, theft prevention, driver training, anti-lock brakes, and air bags.
- Farmers Insurance offers discounts for pay in full, homeowner, distant student, switch companies, bundle discounts, and business and professional.
- Allstate offers discounts including passive restraint, multi-policy, safe driver, EZ pay plan discount, and resident student.
The illustration below shows the comparison of premium costs with and without discounts applied to the premium. Data assumes a male driver, no accidents or driving violations, California state minimum liability limits, comp and collision included, and $1,000 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with good student, vehicle safety, anti-theft, paid-in-full, continuous coverage, and paperless filing discounts applied. When discounts are applied, theamount saved on auto insurance for 20 year old guys is 19% or $354.