The words “affordable” and “insurance” probably shouldn’t be used in the same sentence, in particular when you are looking for the cheapest car insurance for teenage females. To help control this cost, let’s start off by going over a few of the factors that help determine car insurance premiums, and come up with some ways to lower the price of the next policy you buy.
Shopping around for low-cost insurance is not most people’s favorite thing to do, and finding out which insurers offer the lowest-priced auto insurance rates for teenage females will involve even more diligence.
Every insurance provider has their own unique process for filing rates in each state, so let’s take a look at the overall cheapest auto insurance companies in Los Angeles. It’s important that you understand Los Angeles, CA auto insurance rates are calculated based on many things that control the cost of coverage. Things like having a birthday, buying higher coverage limits, or having an at-fault accident can produce rate changes that can make some companies higher-priced than the competition.
Best Insurance Companies for Teens
USAA offers some of the lowest car insurance rates in Los Angeles at around $1,109 each year. Wawanesa, CSAA, Century National, and Nationwide would also make the list of some of the more affordable Los Angeles, CA auto insurance companies.
As the example above demonstrates, if you currently have coverage with Century National and switched to Wawanesa, you could realize a yearly price reduction of in the neighborhood of $34. Customers with Nationwide may save as much as $71 a year, and 21st Century customers might lower prices by up to $187 a year.
These policy prices are averages across all ages of drivers and types of vehicles and do not factor in a specific location for teenage females. So the company that is best suited for you may not even be in the list above. That’s why you need to quote rates from many companies using your own individual information.
For teen girls, one of the big criteria that are used to help calculate the annual cost of car insurance is where your residence is. Areas with high crime rates or more dense population tend to have more expensive car insurance rates, whereas areas that tend to be more rural profit from lower rates.
The following table sorts the highest-priced places in California for teenage females to purchase car insurance in. Los Angeles makes the list at #2 with an annual cost of $2,083 for car insurance, which is around $174 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Glendale | $2,121 |
| 2 | Los Angeles | $2,083 |
| 3 | San Francisco | $1,745 |
| 4 | Oakland | $1,738 |
| 5 | Sacramento | $1,652 |
| 6 | San Bernardino | $1,628 |
| 7 | Santa Clarita | $1,595 |
| 8 | Long Beach | $1,562 |
| 9 | Garden Grove | $1,554 |
| 10 | Moreno Valley | $1,551 |
| 11 | Stockton | $1,541 |
| 12 | Fontana | $1,535 |
| 13 | Modesto | $1,532 |
| 14 | Riverside | $1,497 |
| 15 | Anaheim | $1,474 |
| 16 | Fresno | $1,457 |
| 17 | Santa Ana | $1,453 |
| 18 | San Jose | $1,423 |
| 19 | Huntington Beach | $1,374 |
| 20 | Irvine | $1,371 |
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Prices are estimated as specific location information can change insurance rates substantially.
The example below illustrates how choosing a deductible can change yearly insurance costs when searching for cheap insurance for teenage females. The prices are based on a married male driver, full coverage, and no discounts are factored in.
The chart above illustrates that a 30-year-old driver could lower rates by $460 a year by changing from a $100 deductible to a $500 deductible, or save $692 by switching to a $1,000 deductible. Young drivers, like the 20-year-old, have the ability to save $1,398 or even more just by choosing higher deductibles when buying full coverage.
When choosing a higher deductible, it is necessary to have additional savings on hand to enable you to pay the extra out-of-pocket expense that comes with higher deductibles.
Auto insurance rates are higher with tickets and accidents
The ideal way to earn cheap auto insurance premiums for teen girls is to be an attentive driver and have a clean driving record. The diagram below highlights how speeding tickets and at-fault accidents can impact car insurance costs for each different age group. Data assumes a single female driver, full coverage, $500 deductibles, and no policy discounts are applied.
The chart shows that the average cost of car insurance in Los Angeles per year with no violations or accidents is $2,637. Add in one speeding ticket and the average cost rises to $2,993, an increase of $356 each year. Now throw in one accident along with the one speeding ticket and the 12-month cost of auto insurance for teenage females jumps again to an average of $3,993. That’s an increase of $1,356, or $113 per month, just for being a careless driver!
Why you should shop around
Los Angeles, CA auto insurance rates are impacted by many factors that may substantially change the cost of coverage. Simply having a birthday, having a claim, or having a fender bender can trigger price changes that can cause some rates to be more affordable than the competition.
Not only that, but insurers change the rates they charge in California multiple times each year in order to protect their financial rating. Larger than normal claims may result in additional premium costs, while profitable underwriting may produce lower-cost Los Angeles car insurance rates.
To illustrate this example, the chart below shows the company with the cheapest car insurance in Los Angeles, CA for a 40-year-old female driver with no accidents or violations, and a decent credit rating. If we estimate prices based on her current situation, USAA may have the lowest car insurance rates in Los Angeles at $1,863 per year. This is $212 more than the average rate paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are the remaining cheapest Los Angeles, CA auto insurance companies.
The example below compares rates after we give the driver from the first example a couple of claims, poor credit, and a speeding citation. Due to the fact that every auto insurer has a different process to set premium rates, analyzing rates most likely will result in a slightly different list of the cheapest car insurance companies in Los Angeles as shown below.
Grange now has the lowest price in Los Angeles, CA with Mercury, Progressive, Allstate, and Allied now being in the top five. This example proves why consumers need to take the time to do a thorough rate comparison when trying to find the lowest auto insurance quotes for teenage females.
Rates consist of many risk factors and can change without notice, so the cheapest rate when you bought your policy may now be an over-priced policy.
How to find budget-friendly car insurance for teenage females
Here are some of the recommended penny-pinching suggestions that can help drivers buy cheap coverage.
- Vehicles with good safety ratings have lower liability rates
- Try to remain claim-free
- Insure your home and auto with the same company
- Do not get into accidents
- Don’t waste money on full coverage for older vehicles
- Violations like speeding or DUI increase rates
- Shop around for cheaper prices often
The last item on the list is incredibly valuable, as we noted in this article. Insurance prices fluctuate constantly, so you should be ready to buy from a new company if a better deal can be had. Sticking with a specific company is fine, but it’s not a good idea if that stubbornness costs you hundreds of dollars year after year. Take a couple minutes and compare rates to find cheaper car insurance for teenage females in Los Angeles.