For teenage drivers, one of the more important criteria that are looked at to help calculate insurance cost is where you live. Areas with more people or higher crime rates tend to have higher rates, whereas areas that tend to be more rural have the luxury of lower rates.
The following table ranks the priciest cities in California for 19 year olds to purchase a policy in. Oakland makes the list at #3 with the annual price of $1,755 on average, which is around $146 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Los Angeles | $2,104 |
| 2 | Glendale | $2,079 |
| 3 | Oakland | $1,755 |
| 4 | San Francisco | $1,745 |
| 5 | Sacramento | $1,669 |
| 6 | Long Beach | $1,610 |
| 7 | Stockton | $1,603 |
| 8 | San Bernardino | $1,596 |
| 9 | Santa Clarita | $1,595 |
| 10 | Fontana | $1,581 |
| 11 | Modesto | $1,547 |
| 12 | Garden Grove | $1,508 |
| 13 | Moreno Valley | $1,506 |
| 14 | Fresno | $1,502 |
| 15 | Riverside | $1,497 |
| 16 | Anaheim | $1,488 |
| 17 | Santa Ana | $1,439 |
| 18 | San Jose | $1,423 |
| 19 | Huntington Beach | $1,402 |
| 20 | Fremont | $1,389 |
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Table data uses approximated as the specific geographic location can lower or raise premium rates considerably.
The make and model of vehicle requiring insurance is a large consideration when consumers are trying to find the cheapest car insurance for 19 year olds. Vehicles with more horsepower, poor crash test ratings, or high incidents of liability claims will cost significantly more to insure than safer, lower-performance models.
The next table shows insurance prices for a selection of the most cost-effective automobiles to buy coverage for.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX-P 4-Dr Sedan | $3,977 |
| Honda CR-V EX 4WD | $4,025 |
| Ford Escape XLT 4WD | $4,032 |
| Toyota Prius | $4,353 |
| Ford F-150 STX Regular Cab 2WD | $4,392 |
| Ford Explorer XLT 4WD | $4,439 |
| Dodge Grand Caravan CV | $4,446 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $4,439 |
| Volkswagen Jetta 2.0T Station Wagon | $4,634 |
| Ford Focus SE 4-Dr Sedan | $4,670 |
| Nissan Altima 2.5 4-Dr Sedan | $4,718 |
| Toyota Tacoma Double Cab 4WD | $4,727 |
| Toyota Camry LE | $4,718 |
| Toyota RAV4 Limited 4WD | $4,724 |
| Chevrolet Equinox LT 2WD | $4,718 |
| Chevrolet Malibu LT | $4,768 |
| Dodge Ram Quad Cab ST 2WD | $4,802 |
| Chevrolet Impala LTZ | $4,999 |
| Ford Edge Limited AWD | $5,008 |
| Hyundai Elantra GLS 4-Dr Sedan | $4,999 |
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Prices above 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 claim-free, and safe-driver. Premium costs do not factor in vehicle garaging location which can change price quotes significantly.
Looking at the data, you can figure that vehicles like the Honda Accord, Honda CR-V, Ford Escape, Toyota Prius, and Ford F-150 are most likely going to be some of the cheaper vehicles to insure for teenage drivers. Rates will be higher anyway because there is more exposure for 19 year olds, but in general those makes and models will most likely have the lowest insurance prices possible.
Cost difference between full coverage and liability
Saving on insurance is important to most drivers, and one way to buy cheap insurance for 19 year olds is to not insure for full coverage. The information below compares insurance costs with liability coverage only compared to full coverage. The information is based on no violations or accidents, $100 deductibles, drivers are not married, and no discounts are taken into consideration.
On average, comprehensive and collision coverage on your policy costs an extra $3,385 per year more than just buying liability only. Many drivers will wonder if paying for full coverage is a waste of money. There is no definitive rule to eliminate physical damage coverage, but there is a general guideline you can use. If the annual cost of having full coverage is more than about 10% of the settlement you would receive from your company, then you may need to consider dropping full coverage.
The diagram below shows how choosing a deductible can change insurance rates when researching cheap insurance for 19 year olds. The price estimates are based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.
The chart above illustrates that a 30-year-old driver could pocket $408 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $618 by changing to a $1,000 deductible. Younger drivers, like the Age 20 chart data, could roll back prices up to $1,230 each year just by choosing larger deductibles. When using a larger deductible, it will be required to have spare funds to enable you to pay the extra out-of-pocket expense that is associated with using high deductibles.
California insurance company ratings
Insuring your vehicle with the right car insurance provider can be rather challenging considering how many companies sell coverage in Oakland. The company information listed below may help you select which providers you want to consider when shopping car insurance rates for 19 year olds.
The ratings below are only comprised of companies that insure vehicles across America, so smaller companies are not taken into consideration for these rankings. If you’d like to compare prices and find cheaper insurance for 19 year olds, click here.
Top 10 Major Auto Insurers in Oakland Ranked by Value
- USAA
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
- Nationwide
Why are you paying too much for Oakland car insurance?
Oakland, CA insurance rates are based on many factors that will increase or decrease the price of coverage. Simply having a birthday, getting married, or getting into an accident can cause premium changes that can cause some rates to be much cheaper than others.
Additionally, insurers amend premium rates without warning to adjust for gains or losses. Higher than normal claims may cause higher rates, while profitable underwriting can cause lower-cost Oakland car insurance rates.
The graph below shows the cheapest car insurance in Oakland, CA for a 35-year-old female driver with no accidents, a clean driving record, and good credit. If we estimate prices based on her current rating profile, USAA offers the most affordable car insurance rates in Oakland at $1,456 each year. This is $195 less than the average policy premium paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide are the remaining best Oakland, CA auto insurance companies.
The next chart shows rates after we give the driver in the first example a chargeable accident, less-than-perfect credit, and a blemish on her driving record. Because each company has their own formula to determining premium rates, analyzing rates could result in a significantly different list of the cheapest Oakland car insurance companies as shown below.
Grange now has the best insurance rate in Oakland with Mercury, Progressive, GEICO, and Allstate also having competitive pricing. This demonstrates why it is crucial to shop around with many companies to find affordable car insurance quotes for 19 year olds. Car insurance prices are made up of many risk factors and change dramatically, so the most economical option when you last compared rates may now be one of the more expensive options.