Cheap Auto Insurance Quotes for High Risk Drivers in California
Our content editors always give us grief that when writing about auto insurance, the words “cheap” or “affordable” should never appear anywhere in the article as a descriptor for auto insurance rates. The fact is, cheap auto insurance for high risk drivers is not always easy to find. But don’t despair, because we are going to show you some ways you can find car insurance that you are able to afford.
The car, truck, or SUV you are seeking coverage for is one of the primary factors when looking for the most economical auto insurance for high risk drivers. Vehicles with limited top-end speed, a plethora of safety features, or a positive history of liability claims will cost significantly less to insure than high performance models.
The next list outlines car insurance costs for a selection of the cheapest automobiles to insure.
|Make and Model||Estimated Cost for Full Coverage|
|Ford Escape XLS 4WD||$4,905|
|Honda CR-V LX 2WD||$4,911|
|Chevrolet Traverse LT 2WD||$5,238|
|Honda Accord EX-L 4-Dr Sedan||$5,433|
|Ford F-150 STX Super Cab 4WD||$5,764|
|Ford Fusion S 4-Dr Sedan||$5,804|
|Toyota RAV4 Sport 4WD||$5,814|
|Subaru Forester XT Limited Edition W/Navigation AWD||$5,827|
|Kia Forte SX 4-Dr Sedan||$5,859|
|Ford Explorer Eddie Bauer AWD||$5,868|
|Toyota Highlander Sport 4WD||$5,859|
|Ford Edge Limited 2WD||$5,920|
|Ford Focus S 4-Dr Sedan||$5,975|
|Hyundai Tucson Limited 4WD||$5,981|
|Hyundai Elantra Blue 4-Dr Sedan||$6,012|
|Subaru Outback 3.6R Premium||$6,039|
|Dodge Grand Caravan SXT||$6,046|
|Chevrolet Impala LTZ||$6,068|
|Toyota Tacoma Double Cab 4WD||$6,108|
|Chevrolet Equinox LTZ AWD||$6,124|
|Jeep Wrangler Unlimited Sahara 2WD 4-Dr||$6,248|
|Hyundai Santa Fe Limited 2WD||$6,303|
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Table data assumes single male driver age 50, two speeding tickets, two at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Estimates do not factor in vehicle garaging location which can alter insurance rates significantly.
Based upon the table data, we can assume that vehicles like the Ford Escape, Honda CR-V, and Chevrolet Traverse are most likely to be some of the most economical vehicles to insure for high risk drivers. Auto insurance rates will be higher anyway just because there is more risk for high risk drivers, but generally speaking those particular models will tend to have the best rates possible.
Deciphering which company quotes the most affordable insurance rates for high risk drivers requires more work than just getting one or two price quotes. Every car insurance company has their own formula to set policy rates, so we will examine the most competitive insurance companies in California.
Keep in mind that California insurance rates are determined by lots of factors that can increase the cost of a policy. Improving your credit score, getting married, or getting into an accident may cause policy rate changes that can now make some companies more affordable than others.
Lowest Insurance Price Quotes for Risky Drivers
USAA normally has some of the most affordable car insurance rates in California at around $1,121 per year. Wawanesa, CSAA, Century National, and Nationwide also are some of the most economical California auto insurance companies.
As shown above, if you are insured with Century National and switched to Wawanesa, you could earn annual savings of upwards of $33. California drivers with Nationwide may save as much as $82 a year, and 21st Century policyholders might see rate reductions of $198 a year.
To discover how much you can save, click here to begin a quote or quote rates from the companies below.
Bear in mind that those estimates are averaged for all drivers and vehicles in California and and are not figured with a rate increase for high risk drivers. So the insurer that is most affordable for your situation may not even be in the list of companies above. That affirms the importance of why you need to get auto insurance quotes using your own personalized driver profile and vehicle information.
Safe drivers pay less for insurance
The easiest way to maintain cheap car insurance for high risk drivers in California is to drive attentively and avoid accidents and traffic violations. The example below shows how violations and at-fault fender-benders can affect insurance rates for different age groups. The rates are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.
The data charted above shows the average cost of an auto insurance policy per year with a clean driving record and no accidents is $3,262. Factor in one speeding ticket and the average cost surges to $3,697, an increase of $436 each year. Now add in one accident along with the one speeding ticket and the annual cost of insurance for high risk drivers jumps again to an average of $4,936. That’s an increase of $1,675, or $140 per month, just for not being more responsible behind the wheel!
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