The vehicle driven is one of the main factors when consumers are trying to find cheap coverage for hybrid vehicles. Vehicles with lower performance, good safety features, or a positive history of liability claims will cost substantially less to insure than high performance models. The information below estimates coverage prices for the more affordable automobiles to insure.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Toyota Prius | $1,435 |
| Ford Escape XLT 2WD | $1,484 |
| Honda CR-V EX 4WD | $1,518 |
| Toyota Camry XLE | $1,613 |
| Ford Edge Sport AWD | $1,619 |
| Hyundai Elantra GLS 4-Dr Sedan | $1,613 |
| GMC Sierra 2500HD SLE Regular Cab 4WD | $1,642 |
| Ford Fusion SEL 4-Dr Sedan | $1,651 |
| GMC Sierra SLT Extended Cab 2WD | $1,642 |
| Ford Explorer Eddie Bauer 2WD | $1,668 |
| GMC Sierra 3500HD SLT Extended Cab 2WD | $1,673 |
| Chevrolet Silverado 2500HD LTZ Crew Cab Diesel 4WD | $1,753 |
| Toyota Camry Hybrid | $1,756 |
| Nissan Altima 2.5 S 2-Dr Coupe | $1,761 |
| Chevrolet Malibu LS | $1,761 |
| Jeep Grand Cherokee Laredo 2WD | $1,768 |
| Jeep Wrangler Sahara 4WD 2-Dr | $1,782 |
| Dodge Ram 2500 Mega Cab SLT 4WD | $1,787 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,795 |
| Dodge Grand Caravan SXT | $1,801 |
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Rates do not factor in garaging location in Oakland, CA which can alter coverage prices substantially.
Based upon the rates shown, we can infer that models like the Toyota Prius, Ford Escape, and Honda CR-V are likely to be some of the most budget-friendly vehicles to insure for hybrids.
For hybrids, one of the largest things that help determine the price you pay for insurance is your zip code. Cities with larger populations or higher claim trends will most likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims have the luxury of cheap car insurance rates.
The information below ranks the most costly cities in California for hybrid vehicles in which to buy car insurance. Oakland ranks #4 with the annual price of $1,704 for the average insurance policy, which is about $142 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Glendale | $2,142 |
| 2 | Los Angeles | $2,083 |
| 3 | San Francisco | $1,711 |
| 4 | Oakland | $1,704 |
| 5 | Sacramento | $1,703 |
| 6 | Long Beach | $1,626 |
| 7 | San Bernardino | $1,596 |
| 8 | Garden Grove | $1,570 |
| 9 | Stockton | $1,556 |
| 10 | Moreno Valley | $1,536 |
| 11 | Santa Clarita | $1,533 |
| 12 | Fontana | $1,519 |
| 13 | Fresno | $1,517 |
| 14 | Modesto | $1,502 |
| 15 | Riverside | $1,497 |
| 16 | Anaheim | $1,444 |
| 17 | Santa Ana | $1,439 |
| 18 | Fremont | $1,403 |
| 19 | Bakersfield | $1,381 |
| 20 | San Jose | $1,381 |
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Price information shown is approximated as specific location information can impact coverage rates substantially.
The chart below illustrates how your choice of deductibles can affect premium costs when searching for cheap insurance for hybrid vehicles. The premium estimates are based on a married male driver, full coverage, and no discounts are taken into consideration.
The data above shows that a 50-year-old driver could save $370 a year by changing from a $100 deductible up to a $500 deductible, or save $556 by switching to a $1,000 deductible. Youthful drivers, such as the 20-year-old example, could potentially save $1,230 annually just by choosing larger deductibles. If you do raise deductibles, it will now be necessary to have spare funds to allow you to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
Careless driving habits raise Oakland insurance rates
The recommended way to maintain the best insurance rates in California for hybrids is to be a safe driver and maintain a clean driving record. The diagram below illustrates how traffic citations and accident claims impact auto insurance rates for different age groups of insureds. The data is based on a single male driver, full coverage, $500 deductibles, and no other discounts are factored in.
In the previous chart, the average cost of auto insurance in California per year with a clean driving record and no accidents is $2,772. Receive two speeding tickets and the average cost hikes up to $3,666, an increase of $894 each year. Now add one accident along with the two speeding tickets and the yearly cost of insurance for hybrid vehicles goes up to an average of $4,582. That’s an increase of $1,810, or $151 per month, just for not being more responsible behind the wheel!
Ending up with the right insurance company can be a challenge considering how many companies provide coverage in Oakland. The company rank data shown below could help you choose which providers to look at comparing rates with. The rankings below only include insurance companies that insure vehicles in the majority of U.S. states, so companies that focus mainly on California business are not taken into consideration for these rankings.
| 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 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
How to find cheaper insurance for hybrid vehicles
It’s not impossible to find cheaper rates, and here are some of the better thrifty solutions that can help drivers locate lower-cost coverage.
- Do not get traffic tickets
- If your vehicles are older, consider dropping full coverage
- Avoid accidents and claims
- Increase your policy deductibles
- Try to remain claim-free
- Shop around for lower rates once a year
The last suggestion is particularly critical, as was noted in this write-up. Coverage rates can be adjusted at any time, so don’t be afraid to buy from a new company if a better rate can be found. Many drivers have brand loyalty and that’s fine, but it’s not a good idea if that loyalty results in overpaying a small fortune year after year. In just a few minutes you could compare prices to find cheaper insurance for hybrid vehicles in Oakland.