The vehicle you are insuring is one of the biggest factors that determines the availability of low-priced coverage for 18 year olds. Vehicles with high performance, a lack of modern safety features, or a track record of large liability claims will cost more to insure than more economical and safe models. The information below outlines auto insurance rates for the most budget-friendly automobiles to buy coverage for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 2WD | $3,802 |
| Honda CR-V EX-L 2WD | $3,844 |
| Toyota Prius | $4,143 |
| Ford Explorer Eddie Bauer 2WD | $4,255 |
| Dodge Grand Caravan CV | $4,261 |
| Chevrolet Impala LS | $4,470 |
| Honda Odyssey EX W/Rear Entertainment | $4,475 |
| Jeep Grand Cherokee Laredo 4WD | $4,512 |
| Chevrolet Silverado LT Extended Cab 4WD | $4,522 |
| Toyota RAV4 Limited 2WD | $4,512 |
| Chevrolet Equinox LT AWD | $4,521 |
| Volkswagen Jetta S 4-Dr Sedan | $4,512 |
| Ford F-150 FX4 4WD | $4,554 |
| Chevrolet Malibu LT | $4,564 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $4,554 |
| Ford Focus SEL 4-Dr Sedan | $4,727 |
| Ford Edge Limited AWD | $4,769 |
| Toyota Corolla S | $4,774 |
| Hyundai Elantra GLS 4-Dr Sedan | $4,769 |
| Chevrolet Silverado 2500HD LTZ Crew Cab 4WD | $4,810 |
| GMC Sierra SLT Extended Cab 4WD | $4,818 |
| GMC Sierra 2500HD SLE Crew Cab 4WD | $4,810 |
| GMC Sierra 3500HD SLE Crew Cab 2WD | $4,852 |
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Data variables include single female driver age 18, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate quotes do not factor in specific location which can raise or lower rates considerably.
Looking at the numbers, we can infer that makes and models like the Ford Escape, Honda CR-V, Toyota Prius, Ford Explorer, and Dodge Grand Caravan are going to be some of the most economical vehicles to insure for teen drivers. The price for an auto insurance policy will trend higher just due to the fact that there is more liability exposure for 18 year olds, but in general those specific models will tend to have the lowest prices compared to all other vehicles.
One of the many considerations that are looked at to help calculate the amount you pay each year for auto insurance is where you normally keep your vehicle in Stockton. Areas with high crime rates or more dense population are more likely to have higher rates, whereas more rural areas have the luxury of lower rates.
The illustration below sorts the most expensive places in California for 18 year olds to purchase a policy in. Stockton comes in at #7 with a yearly cost of $1,588 for coverage, which is approximately $132 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,079 |
| 3 | Oakland | $1,755 |
| 4 | Sacramento | $1,720 |
| 5 | San Francisco | $1,711 |
| 6 | San Bernardino | $1,628 |
| 7 | Stockton | $1,588 |
| 8 | Long Beach | $1,578 |
| 9 | Garden Grove | $1,554 |
| 10 | Moreno Valley | $1,551 |
| 11 | Santa Clarita | $1,533 |
| 12 | Fontana | $1,519 |
| 13 | Fresno | $1,517 |
| 14 | Modesto | $1,502 |
| 15 | Riverside | $1,497 |
| 16 | Santa Ana | $1,453 |
| 17 | Anaheim | $1,444 |
| 18 | Huntington Beach | $1,416 |
| 19 | Bakersfield | $1,394 |
| 20 | Fremont | $1,389 |
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Information shown are approximated as specific location information can affect auto insurance rates substantially.
The diagram below shows how choosing a deductible can impact annual premium costs when searching for cheap insurance for 18 year olds. The rates are based on a married male driver, full coverage, and no additional discounts are factored in.
In the chart above, a 50-year-old driver could lower their car insurance rates by $308 a year by changing from a $100 deductible to a $500 deductible, or save $466 by switching to a $1,000 deductible. Youthful drivers, such as the 20-year-old example, could reduce their rates $1,026 each year by using a higher deductible. When choosing a higher deductible, it is a good idea to have additional funds squirreled away to offset the extra out-of-pocket expense, which deters some people from using high deductibles.
Insuring your vehicle with a highly-rated car insurance company can be challenging considering how many companies there are to choose from in California. The rank data in the lists below can help you analyze which auto insurance companies to look at when trying to find the cheapest insurance for 18 year olds.
The rankings below are only comprised of companies with a national presence, so companies that focus mainly on California business are not taken into consideration for this list. To check rates from these top insurers and more, simply click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
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Data Source: Insure.com Best Car Insurance Companies
Last year’s bargain might be this year’s rip off
Stockton, CA auto insurance rates are impacted by many factors that control the price of your policy. Turning one year older, adding a teenager to your policy, or having an accident can trigger rate changes that can make some companies more affordable than the competition. In addition to those changes, insurers file new California car insurance rates without warning to reflect underwriting profits or losses. Larger than normal claims may result in increased policy costs, while lower claim levels can result in lower-priced Stockton car insurance rates.
The bar chart below shows a variety of companies that have the cheapest car insurance in Stockton, CA for a 40-year-old male driver with a clear driving record, no claims, and good financial standing. If we look at prices based on his current situation, USAA quotes the best car insurance rates in Stockton at $1,399 annually. This is $252 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are the rest of the cheapest Stockton, CA auto insurance companies.
Let’s now give the driver from above a claim or two, slightly worse credit, and a couple of points charged on his driving record. Because each company has a proprietary method to set premium rates, comparing prices could now result in a slightly different list of the cheapest companies as shown below.
Grange now has the cheapest car insurance in Stockton, CA with Allstate, Mercury, Progressive, and Allied completing the list. This demonstrates why consumers need to take the time to compare many different companies to find affordable insurance rates for 18 year olds. Insurance prices are made up of many different factors and can decrease or increase without notice, so the cheapest rate when you bought your policy may now be costing you a lot of money.
How to find the cheapest auto insurance for 18 year olds
It’s not impossible to find cheaper rates, and here are some of the better thrifty suggestions that can help Stockton drivers locate cheaper car insurance.
- Increase your credit rating
- Save money by insuring older vehicles for liability only
- Avoid having at-fault accidents
- Safe vehicles cost less to insure
- Raise your physical damage coverage deductibles
- Do not get traffic tickets
- Compare rates and switch if you can find a better deal
The final tip is particularly necessary, as was emphasized in this piece. Rates in Stockton fluctuate constantly, so you should be ready to buy from a different company if you find a cheaper price.
Loyalty to a specific company is fine, but it isn’t a good idea if that dedication is costing big bucks every year. It only takes a couple minutes to compare rates to find cheaper auto insurance for 18 year olds.