Wouldn't it be great if you could just magically know the single best car insurance company that has the cheapest policy rates for teenage females? That is not the case, however, as there are a whole bunch of unknown factors such as your financial responsibility, whether or not you own a home, and how far you drive each year. We will attempt to cover these factors and others that can influence the price of auto insurance and also should give you a good start in finding the cheapest car insurance for teens.
The type of vehicle needing coverage is a large factor that determines whether or not you can buy low-priced auto insurance for teenage females. Vehicles with lower performance, good safety features, or low incidents of liability claims will cost much less to insure than fast, unsafe models.
The data below presents car insurance prices for a handful of the most economical vehicles to insure.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Ford Escape XLS 2WD||$5,394|
|Honda CR-V EX-L 2WD||$5,441|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$6,020|
|Dodge Grand Caravan CV||$6,068|
|Volkswagen Jetta 2.0T Station Wagon||$6,150|
|Ford Edge SE AWD||$6,348|
|GMC Sierra SLE Regular Cab 2WD||$6,396|
|Chevrolet Malibu LS||$6,404|
|Chevrolet Equinox LT AWD||$6,396|
|Chevrolet Impala LT||$6,402|
|Toyota RAV4 Limited 4WD||$6,396|
|Ford F-150 Lariat Super Cab 4WD||$6,446|
|Ford Explorer Eddie Bauer 4WD||$6,453|
|Toyota Tacoma Double Cab TRD Off-Road Package 4WD||$6,446|
|Honda Civic EX 4-Dr Sedan||$6,679|
|Honda Odyssey EX-L W/Navigation||$6,726|
|Toyota Camry XLE||$6,733|
|Toyota Corolla LE||$6,726|
|Hyundai Elantra SE 4-Dr Sedan||$6,734|
|Chevrolet Silverado LTZ Extended Cab 4WD||$6,777|
|Ford Fusion SE 4-Dr Sedan||$6,782|
|Chevrolet Silverado 2500HD LTZ Crew Cab 4WD||$6,777|
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Data rating is based on single female driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium amounts do not factor in zip code location which can impact premium rates noticeably.
Based on these rates, you can expect cars like the Ford Escape, Honda CR-V, and Toyota Prius are a few of the most economical vehicles to insure for teen girls. Auto insurance rates will tend to be higher just because there is more exposure for teenage females, but overall those specific models will have the best insurance prices that you are likely to find.
For teen girls, one of the largest considerations that determine the annual cost of car insurance is where you normally keep your vehicle in California. Regions with more people or even just more weather-related claims like Los Angeles, San Francisco, and Oakland tend to have higher rates, whereas areas with less congestion have the enjoyment of a little cheaper coverage.
The next table shows the most expensive places in California for teenage females to purchase car insurance in.
|Rank||City||Premium Per Year|
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Prices are estimated as vehicle location can influence coverage prices significantly.
Finding reliable, budget auto insurance is not the easiest thing to do, and determining which insurers offer the cheapest insurance rates for teenage females in California takes more quotes for comparison. Insurance prices may be quite a bit higher than the average policy in California because of the potentially higher risk associated with offering coverage for teen girls, but affordable coverage should be attainable if you find the right company.
Every insurance company has a unique approach for determining prices, so we'll go over the lowest cost insurance companies in California. Keep in mind that California insurance rates are impacted by many things which can substantially change the policy premium. This price fluctuation is why drivers need to compare lots of rates when trying to find affordable auto insurance quotes for teenage females. Prices are influenced by many factors and can decrease or increase without notice, so the most economical option when you bought your policy may now cost much more than other companies.
Find the Cheapest Auto Insurance for Teens
|Rank||Company||Cost Per Year|
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USAA offers some of the cheapest car insurance rates in California at around $1,155 a year. Wawanesa, CSAA, Century National, and Nationwide would also make the list of some of the lowest-priced California insurance companies.
As depicted above, if you are insured with Century National and switched to USAA, you might see a yearly price reduction of about $35. Insureds with Nationwide may save as much as $71 a year, and 21st Century policyholders might realize rate reductions of up to $224 a year.
To get a quick, customized rate comparison, click here to begin a quote or click several companies below for low rates.
These rates are averaged across all types of drivers and the different vehicles they drive and and are not figured with a rate increase for teenage females. So the company that can offer you the lowest price may not even be in the top 24 companies in the list above. That point stresses why you need to get quotes using your own personalized driver profile and vehicle information.
Get discount California insurance
Insurers that offer cheap quotes for teenage females may additionally offer price discounts that can lower rates by 35% or more if you meet eligibility requirements. Companies and their possible discounts are shown below.
- The Hartford offers discounts for good student, vehicle fuel type, defensive driver, bundle, driver training, air bag, and anti-theft.
- American Family has discounts for good driver, accident-free, mySafetyValet, air bags, good student, defensive driver, and early bird.
- Progressive includes discounts for continuous coverage, online quote discount, multi-policy, online signing, multi-vehicle, homeowner, and good student.
- Travelers policyholders can earn discounts including IntelliDrive, new car, good student, student away at school, multi-policy, and hybrid/electric vehicle.
- Farmers Insurance may have discounts that include alternative fuel, teen driver, switch companies, multi-car, business and professional, bundle discounts, and good student.
- USAA offers premium reductions for vehicle storage, defensive driver, loyalty savings, family discount, safe driver, and new vehicle.
- Liberty Mutual has savings for hybrid vehicle, multi-policy, safety features, new vehicle discount, and good student.
The illustration below illustrates the comparison of insurance rates with and without discounts applied to the policy premium. The premium estimates are based on a female driver, no claims or violations, California state minimum liability limits, full coverage, and $1,000 deductibles.
The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with paid-in-full, paperless filing, continuous coverage, good student, vehicle safety, and anti-theft discounts applied. When taking advantage of discounts, the average savings per year on insurance for teenage females is 28% or $641.
Should you buy full coverage?
Saving on insurance is important to most vehicle owners, and an easy way to buy cheaper insurance for teenage females in California is to buy only liability coverage. The example below compares car insurance rates when comparing full coverage to liability only. The premiums are based on a clean driving record, no at-fault accidents, $100 deductibles, drivers are not married, and no other discounts are factored in.
As an average for all age groups, physical damage coverage costs $3,385 per year over and above liability only. That is a significant amount which raises the question if you should buy full coverage at all. There is no written rule of when to stop paying for physical damage coverage on your policy, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.
The illustration below demonstrates how deductibles can change yearly insurance costs when trying to find cheap insurance for teenage females in California. The costs are based on a single female driver, comp and collision included, and no additional discounts are factored in.
A 50-year-old driver could lower their policy premium by $490 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $736 by switching to a $1,000 deductible. Even younger insureds, like the 20-year-old category, could potentially save up to $1,246 annually by using a higher deductible.
When choosing a higher deductible, it will be important to have additional funds squirreled away to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.