Finding decent, cost effective auto insurance is not easy, and determining which companies quote the cheapest car insurance rates for teenage males requires additional perseverance. Each company uses a little different formula to determine rates, so we’ll go over the car insurance companies that tend to have lower prices in California.
We do need to point out that Irvine, CA car insurance rates are impacted by many factors that may substantially change the cost of a policy. This price variability is why it is critical to compare lots of rates when trying to find the most economical car insurance rates for teenage males. Insurance rates can be determined by many things and change substantially, so the cheapest company three years ago may now not even be in the top five.
Find Cheaper Auto Insurance for Teens
|Rank||Company||Cost Per Year|
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USAA may have some of the best car insurance rates in Irvine at around $1,155 each year. This is $496 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also some of the more affordable Irvine, CA auto insurance companies.
As depicted above, if you are currently insured with CSAA and switched to Wawanesa, you may realize an annual premium reduction of about $29. Insureds with Nationwide may save as much as $93 a year, and 21st Century insureds might reduce rates by $181 a year.
To find cheaper insurance rates for your vehicle, click here to start your free quote or visit any of the companies below.
It’s important to note that these prices are averages for all drivers and vehicles in California and do not take into consideration an exact vehicle garaging location for teenage males. So the insurer that is best suited for you may not even be in the top 24 companies shown above. That helps illustrate why you need to compare prices as often as possible using your own specific driver information and vehicle.
The car, truck, or SUV on the policy is one of the largest considerations when quoting the most economical car insurance for teenage males. Vehicles with high performance features, poor safety ratings, or an increased likelihood of liability claims will cost substantially more to insure than safer, lower-performance models. The next list ranks car insurance premiums for a number of the more affordable vehicles to buy coverage for.
|Vehicle||Estimated Cost for Full Coverage|
|Ford Escape XLS 2WD||$3,180|
|Honda Accord LX-P 4-Dr Sedan||$3,188|
|Honda CR-V EX-L 2WD||$3,212|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$3,530|
|Ford Explorer Eddie Bauer 2WD||$3,562|
|Chevrolet Impala LT||$3,768|
|Toyota RAV4 2WD||$3,777|
|Dodge Grand Caravan SXT||$3,802|
|Toyota Tacoma Double Cab TRD Off-Road Package 4WD||$3,812|
|Chevrolet Silverado LS Regular Cab 2WD||$3,834|
|Honda Civic VP 4-Dr Sedan||$3,944|
|Toyota Camry SE||$3,976|
|Hyundai Elantra SE 4-Dr Sedan||$3,981|
|Ford Edge Sport 2WD||$3,976|
|Toyota Corolla LE||$3,983|
|Chevrolet Equinox LTZ 2WD||$4,010|
|GMC Sierra SL Crew Cab 2WD||$4,019|
|Honda Odyssey Touring||$4,010|
|Chevrolet Malibu LTZ||$4,015|
|Jeep Grand Cherokee Limited 4WD||$4,010|
|Chevrolet Silverado 2500HD LT Crew Cab 4WD||$4,015|
|GMC Sierra 2500HD SLE Extended Cab 4WD||$4,010|
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Data variables include single male driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, and safe-driver. Information does not factor in Irvine, CA location which can lower or raise rates considerably.
Based on these rates, we can conclude that cars like the Ford Escape, Honda Accord, Honda CR-V, and Toyota Prius are most likely going to be the cheapest vehicles to insure for teen boys. Rates will tend to be more expensive anyway because of the fact that there is more liability risk for teenage males, but overall those models will have the lowest insurance rates compared to other types of vehicles.
For teen boys, one of the more important criteria that help determine the amount you pay each year for auto insurance is your address. More densely populated places will most likely have higher rates, whereas less populated areas get the luxury of paying less.
The following table rates the priciest cities in California for teenage males in which to purchase auto insurance. Irvine is ranked #21 with the yearly price of $1,384 for the average insurance policy, which is approximately $115 per month.
|Rank||City||Premium Per Year|
|Quote Best Rates Go|
Rate information is comparative as vehicle location can change premiums substantially.
What is the best car insurance company in California?
Choosing the top auto insurance provider can be challenging considering how many different companies sell coverage in California. The company information listed below could help you select which auto insurers you want to consider when shopping around. These ratings include the companies with a significant amount of written premium nationwide, so smaller companies that only insure vehicles in California are not included in the list.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|AAA of Southern California||91||94||97||92%||A+||94.1|
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Data Source: Insure.com Best Car Insurance Companies
Bad driving habits will cost you more
The easiest method to get affordable car insurance rates for teen boys is to be a cautious driver and not receive tickets or have accidents. The chart below illustrates how violations and at-fault fender-benders increase insurance costs for each age group. The costs are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no additional discounts are factored in.
In the example above, the average cost of an auto insurance policy in California per year with a clean driving record and no accidents is $3,444. Get written up for two speeding tickets and the average cost swells to $4,580, an increase of $1,136 each year. Now include two accidents along with the two speeding tickets and the 12-month cost of car insurance for teenage males jumps again to an average of $8,582. That’s an increase of $5,138, or $428 per month, just for not driving safely!
Why it’s important to shop around
Irvine car insurance rates are determined by lots of factors that may substantially change the price of coverage. Simply having a birthday, increasing deductibles, or getting a ticket for careless driving may generate price changes that can now make some companies more affordable than the competition. Not only may your situation change, but companies change the rates they charge in California every year or even multiple times each year in order to offset underwriting gains or losses. Larger than normal claims can result in price increases, while less frequent claims can result in lower-priced Irvine car insurance rates.
To help illustrate this point, the graph below shows the company with the cheapest car insurance in Irvine, CA for a 45-year-old female driver with no accidents, a clean driving record, and a good credit rating. When quoting prices based on her current risk factors, USAA might offer the best car insurance rates in Irvine at $1,121 annually. This is $530 less than the average policy premium paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide are the remaining best Irvine, CA auto insurance companies.
Let’s now give the driver from the above example an accident claim, less-than-perfect credit, and a traffic ticket or two. Since each company uses their own calculation for determining prices, analyzing rates may now show a new list of the cheapest companies as shown below.
Grange now has the best auto insurance rate in Irvine, CA with Mercury, GEICO, Progressive, and Allied also being competitive. This example demonstrates why it is critical to compare rates to find cheap auto insurance rates for teenage males.
Auto insurance prices are made up of many different factors and can change substantially, so the cheapest rate two years ago may now cost much more than other companies.
How to find cheaper car insurance for teenage males
It is possible to find better rates, and here are many thrifty solutions that can help drivers get cheap coverage.
- Save money by only buying liability coverage for older vehicles
- Avoid getting citations and tickets
- Accidents can significantly increase rates
- Drive vehicles with five-star safety ratings
- Pay cheaper rates with good credit scores
- Increase deductibles to save money
- Compare prices as often as possible
That final tip is very vital, as we emphasized in the prior information. Coverage rates can change in a short period of time, so drivers shouldn’t be resistant to switch companies if a lower-cost policy is available. Loyalty to a specific company is fine, but it’s not recommended if it’s costing you money that could be used for better things. Spend a few minutes and compare prices and find cheaper car insurance for teenage males in Irvine.
The agents listed below can probably help you decide which coverage fits your budget, since lots of drivers aren’t clear which coverage they need and would like to have a professional recommendation when shopping for the best coverage for teen boys. It can be challenging to find the best coverage yourself, and getting advice from a licensed California insurance agent can give peace of mind knowing your coverage gives you sufficient protection if you have a claim. To locate an agency by location nearest to you, click the button below the list or click here to compare rates now.
- Roger Stone Insurance Agency
5015 Birch St – Newport Beach, CA 92660 – (949) 757-0270
- Wells Fargo Insurance Services: Harper James
2030 Main St #700 – Irvine, CA 92614 – (949) 358-6100
- Morning Star Agency Insurance Services Incorporated
1340 Reynolds Ave #103 – Irvine, CA 92614 – (949) 833-2030
- Professional Choice Insurance
2151 Michelson Dr Suite 250 – Irvine, CA 92612 – (714) 467-8726
- California Agency Insurance
17632 Irvine Blvd # 235 – Tustin, CA 92780 – (714) 731-8300