The make and model of vehicle driven is a large factor that determines the availability of the best insurance for teenage males. Vehicles with lower performance, an excellent safety record, or a positive history of liability claims will cost substantially less to insure than higher performance models. The information below estimates insurance rates for a selection of the most budget-friendly automobiles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $4,748 |
| Honda CR-V EX-L 4WD | $4,797 |
| Honda Accord EX-L 4-Dr Sedan | $5,108 |
| Toyota Prius | $5,157 |
| Ford F-150 STX Super Cab 2WD | $5,274 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $5,323 |
| Ford Explorer XLT 2WD | $5,328 |
| Ford Focus S 4-Dr Sedan | $5,585 |
| Chevrolet Impala LT | $5,634 |
| Ford Fusion S 4-Dr Sedan | $5,639 |
| Toyota RAV4 Limited 4WD | $5,634 |
| Chevrolet Equinox LT 2WD | $5,644 |
| Jeep Grand Cherokee Laredo 4WD | $5,634 |
| Chevrolet Malibu LS | $5,640 |
| Dodge Grand Caravan SXT | $5,682 |
| Hyundai Elantra Blue 4-Dr Sedan | $5,895 |
| Honda Civic VP 4-Dr Sedan | $5,905 |
| Toyota Corolla LE | $5,944 |
| Toyota Tacoma X-Runner 2WD | $5,953 |
| Ford Edge Sport AWD | $5,944 |
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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 safe-driver, and claim-free. Prices do not factor in specific garaging location which can impact premium rates greatly.
By looking at the data, makes and models like the Ford Escape, Honda CR-V, Honda Accord, and Toyota Prius are most likely to be some of the less-costly vehicles to insure for teen boys. The price for an auto insurance policy will be more expensive because of the fact that there is more risk for teenage males, but generally speaking those makes and models will tend to have the lowest prices compared to other types of vehicles.
Finding reliable, budget auto insurance is not the easiest thing to accomplish, and determining which insurers offer the cheapest insurance rates for teenage males takes additional perseverance. Each auto insurer uses their own formula for determining prices, so let’s rank the most affordable insurance companies in Long Beach, CA.
It’s a good idea to be aware that Long Beach, CA insurance rates are calculated based on many things that control your annual premium. Price variation is why it is crucial to shop around with many companies to find the most economical insurance rates for teenage males. Insurance rates can be determined by many things and can decrease or increase without notice, so the lowest-price company when you last compared rates may now be an over-priced policy.
Find the Cheapest Car Insurance for Teens
USAA generally has some of the lowest car insurance rates in Long Beach at around $1,143 annually. Wawanesa, Nationwide, Century National, and CSAA are also some of the lowest-priced Long Beach, CA insurance companies.
In the rate table above, if you are currently insured with Century National and switched to Wawanesa, you might realize yearly savings of upwards of $33. Customers with CSAA could save as much as $53 a year, and 21st Century insureds might realize rate reductions of up to $185 a year.
To find out how your current rates compare, click here or visit any of the low-priced companies below.
Bear in mind that those policy prices are averaged for all drivers and vehicles and do not take into consideration an exact vehicle garaging location for teenage males. So the insurer that fits your age and vehicle best may not even be in the list above. That underscores the importance of why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.
One of the many factors that determine the amount you pay for auto insurance is where your residence is. Areas with increased crime or more people tend to have more expensive auto insurance rates, whereas areas with less congestion tend to receive slightly lower rates.
The illustration below rates the priciest cities in California for teenage males in which to buy car insurance. Long Beach is ranked #6 with the annual price of $1,610 for the average policyholder, which is approximately $134 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Los Angeles | $2,146 |
| 2 | Glendale | $2,142 |
| 3 | San Francisco | $1,745 |
| 4 | Oakland | $1,738 |
| 5 | Sacramento | $1,703 |
| 6 | Long Beach | $1,610 |
| 7 | San Bernardino | $1,580 |
| 8 | Stockton | $1,556 |
| 9 | Moreno Valley | $1,551 |
| 10 | Santa Clarita | $1,548 |
| 11 | Garden Grove | $1,524 |
| 12 | Fontana | $1,519 |
| 13 | Modesto | $1,502 |
| 14 | Riverside | $1,482 |
| 15 | Anaheim | $1,474 |
| 16 | Fresno | $1,472 |
| 17 | Santa Ana | $1,453 |
| 18 | Huntington Beach | $1,416 |
| 19 | Fremont | $1,403 |
| 20 | Irvine | $1,384 |
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Rates are approximated as vehicle location can modify insurance rates significantly.
Selecting a highly-rated car insurance provider is hard considering how many companies sell insurance in Long Beach. The ranking data shown below can help you pick which insurers you want to consider comparing prices from.
The rankings below are for major nationwide insurance companies, so smaller companies that only insure vehicles in California are not taken into consideration for this list. To compare rates from these and other top-rated companies, follow this link.
| 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
The chart below shows how different deductible levels can raise or lower yearly insurance costs when searching for cheap insurance for teenage males. The premiums assume a single female driver, comprehensive and collision coverage, and no discounts are factored in.
The chart above illustrates that a 50-year-old driver could cut expenses by $350 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $530 by using a $1,000 deductible. Even younger drivers, such as the 20-year-old chart data, can save $888 annually just by choosing higher deductibles.
If you do raise deductibles, it will now be necessary to have emergency funds available to enable you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
How to get discounts on Long Beach insurance rates
Insurance companies that offer quotes for teenage males may also offer premium discounts that could potentially reduce rates by as much as 35% or more if you are eligible to receive them. Large insurance companies and some of the premium reductions they offer are shown below.
- GEICO may offer discounts for defensive driver, daytime running lights, multi-policy, military active duty, and good student.
- MetLife offers discounts including good driver, multi-policy, good student, claim-free, accident-free, and defensive driver.
- Progressive offers premium reductions for multi-vehicle, continuous coverage, good student, multi-policy, and online quote discount.
- Travelers has discounts for multi-car, good student, student away at school, save driver, early quote, IntelliDrive, and driver training.
- SAFECO has savings for teen safety rewards, teen safe driver, bundle discounts, safe driver, accident prevention training, and anti-theft.
- AAA may have discounts that include multi-policy, anti-theft, good student, AAA membership discount, and multi-car.
The illustration below compares car insurance costs with and without discounts applied to the policy premium. The premiums assume a female driver, no claims, a clean driving record, 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 vehicle safety, continuous coverage, paid-in-full, good student, paperless filing, and passive restraint discounts applied. When discounts are factored in, theaverage yearly reduction on insurance for teenage males is 28% or $843.
How to find low-cost insurance for teenage males
The list below summarizes some thrifty solutions that can help California drivers get lower-cost auto insurance.
- Vehicles with good safety ratings are usually cheaper to insure
- Buying car and homeowners insurance together can save money
- Improve your credit rating
- Having at-fault accidents will increase rates
- Save money by only buying liability coverage for older vehicles
- Shop your coverage around for the best deal
The last tip in the list is highly important, as we emphasized in the article above. Prices charged by companies vary greatly, so don’t be unwilling to switch carriers if a cheaper price is available.
Many consumers stick with the same company and that’s fine, but is isn’t recommended if that faithfulness ends up costing you hundreds of dollars a year. In just a few minutes you could shop around and find cheaper car insurance for teenage males in Long Beach.