Who Has the Cheapest Car Insurance Quotes for Teenage Females in Alabama?

You have seen the captivating ads from insurers like Farmers and Liberty Mutual that say if you switch you’ll get the cheapest rates, so drivers just need to choose the one with the most memorable commercial, right?

It’s not quite that easy, unfortunately, as there are a ton of unknown elements like if you are currently insured, if you own your home, if you need full coverage or liability-only, and how many years you have been driving, that all factor into the price you pay. The content below will cover the best ways to avoid paying too much and hopefully give you enough understanding to have a jump start in finding the best auto insurance.

Establishing which insurers offer the cheapest insurance rates for teenage females calls for more time than just comparing a company or two. Each insurer has their own guidelines for setting rates, so we will examine the insurance companies with the overall best prices in Alabama.

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Travelers has some of the best car insurance rates in Alabama at around $783 a year. Cincinnati Insurance, USAA, GEICO, and Country also rank well as some of the lowest-priced Alabama auto insurance companies.

As the rates illustrate above, if you are a customer of GEICO and switched to Cincinnati Insurance, you might realize annual savings of around $222. Drivers with Country could save as much as $331 a year, and Auto-Owners insureds might lower prices by up to $354 a year.

To find out how your current rates compare, click here to start your custom quote or visit any of the low-priced companies below.

Bear in mind that those policy prices are averages across all drivers and vehicles and are not factoring in a rate surcharge for teenage females. So the car insurance company that can offer you the best price may not even be shown in the rate chart shown above. That underscores the importance of why you need to get rate quotes using your own specific driver information and vehicle.

When shopping for auto insurance for teen girls, one of the many factors that help set the amount you pay each year for auto insurance is where your car is garaged in Alabama. Areas that are more densely populated or have higher claim rates like Birmingham, Bessemer, and Homewood tend to pay more, whereas areas that are not as densely populated have the enjoyment of a little cheaper coverage.

The following table shows the highest-priced areas in Alabama for teenage females to purchase a policy in.

Information shown are approximated as the vehicle garaging location can change premiums considerably.

The car, truck, or SUV you are trying to insure is one of the primary factors in finding the cheapest car insurance for teenage females in Alabama. Vehicles with lots of horsepower, poor passenger safety features, or a high likelihood of having liability claims will cost quite a bit more to insure than more economical and safe models. The list below illustrates coverage premiums for the more afforable automobiles to insure in Alabama.

Premium data assumes single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Alabama minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium costs do not factor in vehicle garaging location which can influence prices significantly.

Looking at the data, cars like the Honda CR-V, Ford Escape, and Honda Accord are most likely to be some of the most affordable vehicles to insure for teen girls. Rates will tend to be more expensive anyway because there is more liability risk for teenage females, but in general those particular vehicles will tend to have the least expensive rates that you are likely to find.

The information below demonstrates how deductibles can increase or decrease insurance rates when searching for cheap insurance for teenage females. The rates are based on a single female driver, comp and collision included, and no other discounts are factored in.

The chart above illustrates that a 40-year-old driver could lower their car insurance rates by $268 a year by switching from a $100 deductible up to a $500 deductible, or save $404 by switching to a $1,000 deductible. Young drivers, such as the 20-year-old example, could roll back prices up to $680 annually just by choosing higher deductibles when buying full coverage. If you do make the decision to raise your deductibles, it’s a good idea to have spare funds to offset the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Impact of violations and accidents on rates

The common sense way to obtain the cheapest car insurance for teenage females in Alabama is to drive cautiously and have a clean driving record. The example below highlights how traffic violations and at-fault claims raise car insurance rates for different insured age categories. Data assumes a married male driver, comp and collision included, $500 deductibles, and no discounts are applied.

In the chart above, the average cost of car insurance in Alabama per year with no accidents and a clean driving record is $1,835. Get one speeding ticket and the average cost rises to $2,110, an increase of $275 each year. Now include one accident along with the one speeding ticket and the yearly cost of insurance for teenage females goes up to an average of $2,879. That’s an increase of $1,044, or $87 per month, just for not being a responsible driver!