For young men, one of the more important components that determine insurance cost is the neighborhood you call home in Fresno. Cities with larger populations tend to pay more, whereas areas with less crime or weather claims have the luxury of lower rates.
The information below sorts the most expensive areas in California for 20 year old guys in which to purchase auto insurance. Fresno comes in at #15 with the annual price of $1,472 for the average policy, which is approximately $123 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Los Angeles | $2,104 |
| 2 | Glendale | $2,058 |
| 3 | San Francisco | $1,711 |
| 4 | Oakland | $1,687 |
| 5 | Sacramento | $1,669 |
| 6 | San Bernardino | $1,644 |
| 7 | Stockton | $1,603 |
| 8 | Santa Clarita | $1,580 |
| 9 | Long Beach | $1,562 |
| 10 | Moreno Valley | $1,551 |
| 11 | Riverside | $1,542 |
| 12 | Modesto | $1,532 |
| 13 | Garden Grove | $1,524 |
| 14 | Fontana | $1,519 |
| 15 | Fresno | $1,472 |
| 16 | Santa Ana | $1,453 |
| 17 | Anaheim | $1,430 |
| 18 | Huntington Beach | $1,416 |
| 19 | Fremont | $1,403 |
| 20 | San Jose | $1,395 |
| 21 | Bakersfield | $1,394 |
| 22 | Chula Vista | $1,337 |
| 23 | Irvine | $1,330 |
| 24 | San Diego | $1,327 |
| 25 | Oxnard | $1,304 |
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Information shown are approximated as specific Fresno zip code can change price quotes considerably.
The type of vehicle on the policy is a large consideration when comparing low-priced car insurance for 20 year old guys. Vehicles with high performance, poor crash test ratings, or a track record of large liability claims will cost much more to insure than more economical and safe models. The table below presents insurance premiums for the most economical vehicles to insure.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $2,573 |
| Ford Escape XLS 2WD | $2,582 |
| Honda Accord LX 4-Dr Sedan | $2,573 |
| Jeep Wrangler Sport 4WD 2-Dr | $2,632 |
| Volkswagen Jetta S 2.5 Station Wagon | $2,803 |
| Toyota Prius | $2,841 |
| Dodge Grand Caravan CV | $2,861 |
| Ford Focus S 4-Dr Sedan | $3,014 |
| Ford Edge SE AWD | $3,019 |
| Chevrolet Impala LS | $3,014 |
| Chevrolet Malibu Hybrid | $3,052 |
| Chevrolet Equinox LT AWD | $3,057 |
| Toyota RAV4 Sport 2WD | $3,052 |
| Ford Explorer Limited 2WD | $3,090 |
| Ford F-150 XLT Crew Cab 4WD | $3,100 |
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Table data assumes single male driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate information does not factor in specific location information which can raise or lower insurance rates significantly.
Looking at the rates, we can tell that cars like the Honda CR-V, Ford Escape, Honda Accord, Jeep Wrangler, and Volkswagen Jetta are most likely going to be some of the cheapest vehicles to insure for young men. The price for an auto insurance policy will be higher anyway just because there is more exposure for 20 year old guys, but generally speaking those vehicles will most likely have the lowest prices available.
The example below shows how choosing a deductible can affect insurance rates when getting quotes for cheap insurance for 20 year old guys. The rate quotes are based on a single female driver, comp and collision included, and no other discounts are factored in.
In the chart above, a 30-year-old driver could lower their car insurance rates by $544 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $816 by selecting a $1,000 deductible. Younger drivers, such as the 20-year-old chart data, can cut $1,216 or more by using a higher deductible.
When raising deductibles, it is essential to have spare funds to allow you to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
Insuring your vehicle with a good quality car insurance company can be rather challenging considering how many companies provide coverage in California. The company ratings listed below could help you analyze which auto insurance companies to look at when trying to find the cheapest insurance for 20 year old guys. The ratings below are only comprised of insurance companies that insure vehicles in the majority of U.S. states, so companies that only write business in California or surrounding areas are not taken into consideration for the list.
Top 10 Large Auto Insurance Companies in Fresno Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
Top 10 Large Auto Insurance Companies Overall in Fresno
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
How to find more affordable insurance for 20 year old guys
It is possible to find better rates, and here are many money-saving solutions that can help California drivers quote lower-cost car insurance.
- Drive vehicles with five-star safety ratings
- Prevent rate increases by staying accident-free
- Multi-policy discounts save money
- Drop full coverage on older vehicles
- Drivers with good credit ratings often pay less
- Compare prices as often as possible
The last idea is incredibly necessary, as was affirmed in the prior article. Coverage rates in Fresno vary greatly, so don’t hesitate to buy a policy from a new company if a lower price can be found. Brand loyalty is not necessarily bad, but is isn’t recommended if that devotion results in you overpaying money that could be used for better things. Take a couple minutes and compare rates and find cheaper auto insurance for 20 year old guys.