What Insurance is Cheapest for 16 Year Olds in San Jose?

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Ideally, we could simply give you the name of the one California auto insurance company that has the cheapest rates in California. It's not that simple, unfortunately, as there are a whole bunch of unknown aspects such as if you own your own home, how well you maintain your credit, and what level of deductibles you need, that all have an effect on the price. We will try to teach you about some of these topics and educate you enough to have a good start in finding the cheapest insurance in California.

One of the many components that help determine the price you pay for insurance is your address. Regions with more people or even just more weather-related claims will most likely have higher rates, whereas less populated areas can boast about having cheaper rates.

The table below ranks the most expensive cities in California for 16 year olds to purchase car insurance in. San Jose is ranked #18 with the yearly price of $1,437 for coverage, which is approximately $120 monthly.

How much is car insurance in San Jose?
Rank City Annual Premium
1 Los Angeles $2,083
2 Glendale $2,058
3 San Francisco $1,745
4 Sacramento $1,720
5 Oakland $1,687
6 San Bernardino $1,580
7 Long Beach $1,578
8 Garden Grove $1,554
9 Santa Clarita $1,548
10 Stockton $1,541
11 Fontana $1,535
12 Riverside $1,527
13 Modesto $1,502
14 Moreno Valley $1,491
15 Anaheim $1,488
16 Santa Ana $1,483
17 Fresno $1,472
18 San Jose $1,437
19 Huntington Beach $1,416
20 Fremont $1,389
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Rates are approximated as vehicle location can decrease or increase auto insurance rates greatly.

The type of vehicle that is being insured is probably the most important factor when quoting economical car insurance for 16 year olds. Vehicles with lower acceleration and performance, an excellent safety record, or a low likelihood of liability claims will cost much less to insure than high performance models. The table below showcases coverage prices for a selection of the more affordable automobiles to insure in California.

Cheapest Vehicles to Insure in San Jose, CA
Vehicle Make and Model Estimated Cost for Full Coverage
Honda CR-V EX 4WD $4,029
Ford Escape Limited 2WD $4,034
Hyundai Elantra SE Touring Station Wagon $4,273
Toyota Prius $4,311
Honda Odyssey LX $4,455
Ford Explorer XLT 4WD $4,491
Chevrolet Impala LS $4,698
Jeep Grand Cherokee Laredo 2WD $4,735
Nissan Altima 2.5 4-Dr Sedan $4,745
Toyota RAV4 Limited 4WD $4,735
Chevrolet Malibu LS $4,741
Chevrolet Equinox LT 2WD $4,735
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $4,773
Dodge Grand Caravan Crew $4,779
Ford Edge Sport AWD $4,979
Toyota Corolla S $4,985
Ford Fusion SE 4-Dr Sedan $5,017
Volkswagen Jetta SE 4-Dr Sedan $5,024
Ford F-150 Lariat Crew Cab Harley 2WD $5,017
GMC Sierra SLE Crew Cab 4WD $5,027
Chevrolet Silverado 3500HD LT Crew Cab 2WD $5,056
Kia Optima LX $5,129
Nissan Rogue S 2WD $5,136
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Table data represents single male driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, and safe-driver. Price information does not factor in your specific San Jose, CA location which can raise or lower auto insurance rates considerably.

Based on these rates, you can expect vehicles like the Honda CR-V, Ford Escape, and Hyundai Elantra are the more affordable vehicles to insure for new drivers. The price of auto insurance will trend higher just due to the fact that there is more claim exposure for 16 year olds, but overall those models will tend to have the best insurance prices possible.

Comparing rates for affordable car insurance is challenging, and finding out which company offers the cheapest car insurance rates for 16 year olds takes even more shopping around. Each insurer has a different formula to set their prices, so let's take a look at the car insurance companies that tend to be cheaper in San Jose, CA.

It's important to know that San Jose, CA car insurance rates are based on many factors which can significantly increase or decrease the cost of having a policy. Getting older, buying a different vehicle, or getting a few speeding tickets may cause policy rate changes resulting in some rates now being more affordable than competitors.

Cheapest Insurance Rates for Teens

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Rankings for the cheapest California auto insurance companies
Rank Company Cost Per Year
1 USAA $1,155
2 Century National $1,178
3 Wawanesa $1,192
4 CSAA $1,198
5 Nationwide $1,213
6 21st Century $1,366
7 Mercury $1,488
8 Grange $1,491
9 Progressive $1,558
10 GEICO $1,559
11 Allstate $1,559
12 The Hartford $1,575
13 Allied $1,603
14 MetLife $1,654
15 Esurance $1,688
16 State Farm $1,733
17 Unitrin $1,750
18 Bristol West $1,777
19 Travelers $1,788
20 Farmers $2,026
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USAA generally has some of the most affordable car insurance rates in San Jose at around $1,155 annually. Century National, Wawanesa, CSAA, and Nationwide would also make the list of some of the best San Jose, CA car insurance companies.

As illustrated above, if you are insured with Wawanesa and switched to USAA, you might see savings of about $37. California drivers with CSAA may save as much as $43 a year, and Nationwide customers might lower prices by up to $58 a year.

To see if you're overpaying, click here to start your free quote or quote prices from the following companies.

Bear in mind that those estimates are averaged for all drivers and vehicles in California and do not factor in an exact location for 16 year olds. So the car insurance company that is most affordable for your situation may not even be in the top 24 companies in the list above. That affirms the importance of why you need to compare as many prices as possible using your own personalized driver profile and vehicle information.

Choosing the highest-rated insurer can be challenging considering how many companies sell coverage in San Jose. The company rank data shown next could help you analyze which providers you want to consider when shopping car insurance rates for 16 year olds. The rankings below are for the companies with a significant amount of written premium nationwide, so companies that may only write in California are not included in the list.

Top 10 Major Auto Insurance Companies in San Jose Ranked by Value

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

Top 10 Major Auto Insurance Companies in San Jose Ranked by A.M. Best Rating

  1. USAA - A++
  2. Travelers - A++
  3. State Farm - A++
  4. GEICO - A++
  5. Esurance - A+
  6. Nationwide - A+
  7. Allstate - A+
  8. Mercury Insurance - A+
  9. Progressive - A+
  10. Titan Insurance - A+

The information below highlights how deductible selection can change insurance costs when researching cheap insurance for 16 year olds. The rates are based on a single male driver, comp and collision included, and no additional discounts are factored in.

In the chart above, a 50-year-old driver could lower rates by $362 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $546 by using a $1,000 deductible. Even younger drivers, such as the 20-year-old chart data, could lower their rates up to $1,190 each year by choosing a higher deductible.

When raising deductibles, it is necessary to have plenty of savings on hand to allow you to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

If you have questions and prefer to have a consultation when shopping around for cheaper insurance for 16 year olds, the agents below can probably provide answers to your questions and help you determine which insurance coverage you need. To find a San Jose insurance agency close to you, click the button after the list.

Gatewood Insurance Agency Inc
1095 Bird Ave #2 - San Jose, CA 95125 - (408) 298-1611

Harrington Insurance Agency
6920 Santa Teresa Blvd #101 - San Jose, CA 95119 - (408) 754-9000

Kathy Barber - State Farm Insurance Agent
5615 Cottle Rd - San Jose, CA 95123 - (408) 365-7268

Find a San Jose, CA insurance agent near you

How to find low-cost car insurance for 16 year olds

The list below shows a few money-saving ideas that can help you quote cheap coverage.

The last tip in the list is especially vital, as was affirmed in the article above. Coverage prices change a lot, so don't be tentative to buy a different policy if a cheaper rate is available. Brand loyalty is not necessarily bad, but we do not recommend it if that loyalty results in overpaying thousands of dollars over several years. If you have a few minutes, compare prices and find cheaper car insurance for 16 year olds in San Jose.