Who Has Affordable Auto Insurance for Teenage Males in San Jose?

The words “economical” and “insurance” probably shouldn’t be used in the same sentence, especially when you are looking for the best price on coverage for teenage males. To help control this cost, let’s learn about some of the things that can significantly affect auto insurance prices, and find out if we can help you shave a little off the next policy you buy.

Deciphering which company offers the best insurance rates for teenage males requires a bit more effort in order to find the lowest price quote.

Every auto insurer used slightly different criteria to set their prices, so we’ll take a look at the most budget-friendly insurance companies in San Jose. It’s important that you understand California insurance rates are influenced by many factors that will increase or decrease the cost of a policy. Simply getting older, having a teen driver, or having an at-fault accident may prompt premium changes that may make certain companies affordable when they were higher priced.

Best Insurance Companies for Teens

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Rankings for the cheapest car insurance companies in California
Rank Company Cost Per Year
1 USAA $1,121
2 Wawanesa $1,146
3 CSAA $1,186
4 Century National $1,226
5 Nationwide $1,263
6 21st Century $1,338
7 Grange $1,477
8 Mercury $1,503
9 GEICO $1,513
10 Progressive $1,558
11 Allstate $1,559
12 Allied $1,588
13 MetLife $1,590
14 The Hartford $1,639
15 State Farm $1,682
16 Unitrin $1,699
17 Esurance $1,739
18 Bristol West $1,849
19 Travelers $1,860
20 Farmers $2,006
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USAA may have some of the cheapest car insurance rates in San Jose at around $1,121 per year. Wawanesa, CSAA, Century National, and Nationwide also rank well as some of the lowest-priced San Jose, CA car insurance companies.

In this example, if you buy coverage from Wawanesa and switched to USAA, you could realize an annual savings of upwards of $25. Customers with CSAA might save as much as $65 a year, and Century National customers might reduce prices by as much as $105 a year.

To find the cheapest rates for your vehicle, click here or click through to the companies below.

Bear in mind that those rates are averaged for all insureds and vehicles and and are not calculated with an exact location for teenage males. So the auto insurance company that is most affordable for your situation may not even be in the top 24 companies shown above. That’s why you need to get quotes using your own individual information.

For teen boys, one of the largest things that are used to help calculate auto insurance rates is where you choose to live. Cities with larger populations tend to have higher rates, whereas areas with less congestion have the luxury of cheap car insurance rates.

The illustration below rates the highest-priced places in California for teenage males in which to purchase auto insurance. San Jose comes in at #20 with an annual rate of $1,395 for the average policy, which is about $116 per month.

How much does car insurance cost in San Jose, CA?
Rank City Annual Premium
1 Los Angeles $2,104
2 Glendale $2,079
3 Sacramento $1,720
4 Oakland $1,704
5 San Francisco $1,693
6 Long Beach $1,610
7 San Bernardino $1,580
8 Stockton $1,556
9 Santa Clarita $1,533
10 Fontana $1,519
11 Fresno $1,517
12 Garden Grove $1,508
13 Riverside $1,497
14 Moreno Valley $1,491
15 Modesto $1,487
16 Anaheim $1,474
17 Santa Ana $1,439
18 Fremont $1,403
19 Huntington Beach $1,402
20 San Jose $1,395
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Information shown are comparative as the vehicle garaging location can revise rates greatly.

Finding the highest-rated insurer can be challenging considering how many choices there are in San Jose. The company ratings in the next section can help you analyze which insurers you want to consider when trying find the best insurance for teenage males.

These ratings are only made up of insurance companies that insure vehicles in the majority of U.S. states, so smaller regional companies are not factored into this list. To check prices from these and other top-rated companies, just click here.

Top 10 Major Auto Insurance Companies in San Jose Ranked by Claims Service

  1. AAA of Southern California
  2. State Farm
  3. Esurance
  4. AAA Insurance
  5. Progressive
  6. Liberty Mutual
  7. GEICO
  8. Allstate
  9. Titan Insurance
  10. The Hartford

Top 10 Major Auto Insurance Companies Overall in San Jose

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive

The information below shows how choosing a deductible can influence insurance costs when researching cheap insurance for teenage males. The prices are based on a single male driver, full coverage, and no discounts are factored in.

As shown above, a 50-year-old driver could lower their policy premium by $492 a year by switching from a $100 deductible up to a $500 deductible, or save $738 by choosing a $1,000 deductible. Young drivers, such as the 20-year-old chart data, can cut $1,640 each year by using higher deductibles when buying full coverage. When insureds make the decision to increase the deductibles on their policy, it will be required to have emergency funds available to be able to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Why are you paying too much for San Jose car insurance?

San Jose, CA insurance rates are based on many factors which can significantly increase or decrease the policy price. Turning one year older, increasing liability limits, or getting a few speeding tickets may prompt premium changes that may make certain companies cheaper than competitors. Not only may your situation change, but companies change the rates they charge in California every year or even multiple times each year as an adjustment for underwriting gains or losses. An extended period of higher than normal claims may result in price increases, while a better claims history can result in cheaper San Jose car insurance rates.

To illustrate this example, the graph below shows the company with the cheapest car insurance in San Jose, CA for a 40-year-old male driver with a clean driving record, no accidents, and a high credit rating. When quoting prices based on his current risk factors, USAA might offer the lowest car insurance rates in San Jose at $1,198 annually. This is $453 less than the average policy premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are the rest of the most affordable San Jose, CA auto insurance companies.

The example below compares rates after we give the driver from the first rate comparison an accident surcharge, slightly worse credit, and a traffic citation. Because each insurer uses their own method for filing rates in each state, comparing prices may now show a slightly different list of the cheapest companies as shown below.

Grange now has the lowest price on auto insurance in San Jose with Mercury, Allied, Progressive, and Allstate now rounding out the top five. This example proves why drivers need to compare rates to find the most budget-friendly insurance rates for teenage males. Auto insurance prices are made up of many factors and change frequently, so the best company the last time you checked may now be priced much higher than other options.

How to find more affordable auto insurance for teenage males

Below you’ll find some of the recommended money-saving suggestions that can help drivers get low-cost coverage.

That last tip is especially significant, as was stressed in this write-up. Coverage prices can be adjusted at any time, so drivers shouldn’t be resistant to switch companies if a lower price can be found.

Staying with the same company for years is fine, but it’s not a good idea if that faithfulness ends up costing you a considerable chunk of change every month. If you have a few minutes, shop around to find cheaper car insurance for teenage males in San Jose.