The words “low-cost” and “insurance” really shouldn’t be used in the same sentence, specifically when looking for the cheapest coverage for 19 year olds. To help control this cost, let’s take a look at some things the can have a considerable influence on insurance rates, and find out if you can reduce the price of the next policy you buy.
The make and model of vehicle that needs insurance is probably the largest consideration that determines whether or not you find cheap auto insurance for 19 year olds. Vehicles with limited speed and performance, good crash test ratings, or a track record of few liability claims will cost quite a bit less to insure than higher performance models. The list below ranks car insurance premiums for a handful of the cheapest automobiles to insure in California.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $3,480 |
| Hyundai Elantra GLS Touring Station Wagon | $3,485 |
| Honda CR-V EX-L 4WD | $3,522 |
| Toyota Prius | $3,809 |
| Ford F-150 XL Regular Cab 4WD | $3,886 |
| Dodge Grand Caravan SE | $3,893 |
| Volkswagen Jetta 2.0T Station Wagon | $4,055 |
| Ford Edge SEL 2WD | $4,089 |
| Chevrolet Impala LS | $4,099 |
| Ford Focus SE 4-Dr Sedan | $4,089 |
| Toyota RAV4 Sport 2WD | $4,131 |
| Nissan Altima 2.5 4-Dr Sedan | $4,139 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $4,173 |
| Ford Explorer Limited 2WD | $4,183 |
| Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $4,252 |
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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 specific location which can modify premium rates substantially.
Looking at the numbers, you can presume that makes and models like the Ford Escape, Hyundai Elantra, Honda CR-V, Toyota Prius, and Ford F-150 are going to be some of the more affordable vehicles to insure for teenage drivers. The price for an auto insurance policy will be more costly because there is more inherent risk for 19 year olds, but overall those models will have the best rates possible.
One of the more important considerations that help determine the amount you pay for auto insurance is the neighborhood you call home. Areas with more people or even just a higher incidence of claims tend to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims receive better rates.
The illustration below shows the most expensive areas in California for 19 year olds in which to purchase auto insurance. Long Beach is ranked at #9 costing $1,562 for the average policyholder, which is about $130 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,079 |
| 3 | Oakland | $1,704 |
| 4 | San Francisco | $1,693 |
| 5 | Sacramento | $1,669 |
| 6 | San Bernardino | $1,596 |
| 7 | Stockton | $1,588 |
| 8 | Santa Clarita | $1,580 |
| 9 | Long Beach | $1,562 |
| 10 | Moreno Valley | $1,551 |
| 11 | Modesto | $1,547 |
| 12 | Riverside | $1,542 |
| 13 | Fontana | $1,519 |
| 14 | Fresno | $1,517 |
| 15 | Garden Grove | $1,508 |
| 16 | Santa Ana | $1,483 |
| 17 | San Jose | $1,437 |
| 18 | Anaheim | $1,430 |
| 19 | Huntington Beach | $1,416 |
| 20 | Irvine | $1,384 |
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Prices are comparative as zip code location can lower or raise coverage rates substantially.
The example below illustrates how choosing a deductible can impact yearly insurance costs when trying to find cheap insurance for 19 year olds. Data assumes a single female driver, full physical damage coverage, and no discounts are applied to the premium.
In the chart above, a 30-year-old driver could save $560 a year by changing from a $100 deductible to a $500 deductible, or save $842 by choosing a $1,000 deductible. Even younger drivers, like the Age 20 chart data, could reduce their rates as much as $1,246 each year by selecting a higher deductible. When raising deductibles, it will be required to have emergency funds available to enable you to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
Rate comparison of full coverage and liability-only
Saving money on car insurance should be important to the majority of people, and one good way to save on the cost of insurance for 19 year olds is to only pay for liability coverage. The chart below illustrates the difference between insurance prices with full physical damage coverage compared to only buying liability only. The data is based on no tickets, no at-fault accidents, $500 deductibles, drivers are single, and no discounts are taken into consideration.
If all age groups are averaged, full coverage costs $2,075 per year over having just liability coverage. That touches on the question if buying full coverage is a good investment. There is no definitive guideline of when to exclude physical damage coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of the settlement you would receive from your company, then it might be time to buy liability only.
There are some cases where dropping physical damage coverage is not a good plan. If you haven’t satisfied your loan, you are required to maintain full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should keep full coverage in place.
Safe drivers pay less for car insurance
The obvious way to score good car insurance rates in Long Beach for teenage drivers is to drive safely and avoid accidents and traffic violations. The diagram below illustrates how speeding tickets and at-fault collisions can increase car insurance rates for different categories of driver ages. The information is based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied.
The data in the chart shows the average cost of car insurance in Long Beach per year with no accidents or violations is $2,882. Receive one speeding ticket and the average cost rises to $3,312, an increase of $430 each year. Now include one accident along with the one speeding ticket and the 12-month cost of car insurance for 19 year olds jumps again to an average of $4,540. That’s an increase of $1,658, or $138 per month, just for not maintaining a clean driving record!
How to find economical car insurance for 19 year olds
The list below shows some of the better thrifty solutions that can help Long Beach drivers locate lower-cost coverage.
- Vehicles with safetly features generally cost less to insure
- Raise physical damage deductibles
- Tickets and violations raise rates
- Do not pay for full coverage on older vehicles
- Avoid preventable accidents
- Pay lower rates with good credit
- Compare price quotes at least once a year
The last suggestion is remarkably crucial, as we emphasized in the prior information. Auto insurance prices can change in a short period of time, so drivers shouldn’t be resistant to buy from a different company if you can find a cheaper rate. Many drivers have brand loyalty and that’s fine, but it isn’t a good idea if that faithfulness ends up costing you several hundred dollars every year. In less than five minutes you could shop around to find cheaper insurance for 19 year olds in Long Beach.
The agents listed below can probably help you make a decision which car insurance company is the best fit, as some people prefer to have the advice of a professional agent when shopping for cheaper insurance for 19 year olds. It can be difficult to find the cheapest rates, so using a licensed agent can give you peace of mind knowing your policy gives you adequate protection. To find a Long Beach insurance agency near you, click the link at the bottom or click here to compare rates now.
- Bob Lundstrom – State Farm Insurance Agent
3620 Long Beach Blvd, Ste A3 – Long Beach, CA 90807 – (562) 595-8333 - Allstate Insurance: Victoria L. Avery
4510 Pacific Coast Hwy #340 – Long Beach, CA 90804 – (562) 597-2371 - Susie Atwood – State Farm Insurance Agent
5624 E 2nd St – Long Beach, CA 90803 – (562) 434-5729 - Del Johnson – State Farm Insurance Agent
2642 N Los Coyotes Diagonal – Long Beach, CA 90815 – (562) 982-1444