Cheap Auto Insurance for Teenage Females in Pennsylvania

Trying to buy low-priced car insurance is easier said than done, and figuring out which company quotes the cheapest car insurance rates for teenage females requires a little more work. Rates will most likely be much pricier than the state average, with the higher price attributed to the potentially higher risk associated with offering coverage for teen girls, but competitively-priced coverage should be attainable if you compare enough rates. Each insurance company has their own formula for filing rates in each state, so let’s take a look at the car insurance companies with the overall cheapest rates in Pennsylvania.

It’s a good idea to know that Pennsylvania car insurance rates are influenced by many factors that control the cost of a policy. That is why Pennsylvania drivers need to shop around when trying to find the best insurance quotes for teenage females. Auto insurance prices are calculated by many things and can increase or decrease at any time, so the most affordable company the last time you compared rates may now be quite expensive.

Best Insurance Companies for Teens

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General Casualty generally has some of the cheapest car insurance rates in Pennsylvania at around $726 annually. Erie, Travelers, Penn National, and USAA also are some of the cheaper Pennsylvania car insurance companies.

As illustrated above, if you are a customer of Penn National and switched to Erie, you might see a yearly savings of roughly $8. Policyholders with USAA might save as much as $17 a year, and Amica customers might see rate reductions of $182 a year.

If you want to see how much you could save, click here to start your custom quote or visit several of the following companies.

Bear in mind that those premium estimates are averages across all insureds and vehicles and and are not figured with a price surcharge for teenage females. So the car insurance company that is best suited for you may not even be featured in the above rate chart. That is why you need to get auto insurance quotes using your own personalized driver profile and vehicle information.

The car, truck, or SUV requiring insurance is probably the biggest factor that determines whether or not you find cheap car insurance for teenage females in Pennsylvania. Vehicles with higher performance, poor safety ratings, or a high likelihood of having liability claims will cost more to insure than more modest models.

The table below shows auto insurance prices for some of the most economical automobiles to buy insurance for.

Prices based on single female driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, and claim-free. Rates do not factor in vehicle garaging location which can affect auto insurance rates greatly.

Based on these rates, cars like the Honda CR-V, Ford Escape, Toyota Prius, Chevrolet Traverse, and Kia Forte should be a few of the most affordable vehicles to insure for teen girls. Auto insurance rates will tend to be more expensive just because there is more risk for teenage females, but generally speaking those particular models will probably have the cheapest car insurance rates compared to other vehicles.

The chart below shows how different deductible levels can raise or lower insurance premiums when searching for cheap insurance for teenage females. The data is based on a single female driver, full coverage, and no discounts are applied.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2635,2425,2191,1973],[‘Age 30’, 1829,1677,1501,1331],[‘Age 40’, 1695,1557,1397,1245],[‘Age 50’, 1485,1365,1225,1091],[‘Age 60’, 1435,1319,1185,1057],[‘Age 70’, 1667,1533,1385,1247]]);var options = {title: ‘Effect of Higher Deductibles on Insurance Premiums in Pennsylvania’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

In the chart above, a 50-year-old driver could reduce rates by $260 a year by increasing from a $100 deductible to a $500 deductible, or save $394 by using a $1,000 deductible. Younger drivers, like the 20-year-old example, could save up to $662 annually just by choosing larger deductibles.

When increasing deductibles, it is necessary to have spare funds to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

Get discounts on Pennsylvania car insurance

Insurers that provide cheap car insurance for teenage females in Pennsylvania may provide discounts that could reduce prices by as much as 40% or more if you meet certain criteria. Popular car insurance companies and some of the premium reductions they offer include:

The chart below shows the comparison of yearly insurance costs with and without discounts applied to the policy rates. The prices are based on a female driver, no violations or claims, Pennsylvania state minimum liability limits, comp and collision included, and $250 deductibles.

The first bar for each age group shows the price with no discounts. The second shows the rates with anti-theft, paid-in-full, good student, vehicle safety, paperless filing, and passive restraint discounts applied. When taking advantage of discounts, the the amount saved on car insurance for teenage females is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 17’, 5377,3847],[‘Age 30’, 2225,1611],[‘Age 40’, 2071,1495],[‘Age 50’, 1809,1307],[‘Age 60’, 1751,1265]]);var options = {title: ‘Insurance Rate Comparison with Discounts for Teenage Females’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

How to get cheap car insurance for teenage females in Pennsylvania

The list below shows a few penny-pinching suggestions that can help Pennsylvania drivers quote cheaper coverage.

• Buy safe vehicles
• Keep your driving record clean
• Prevent price hikes by avoiding at-fault accidents
• Claim-free policyholders usually earn a discount
• Bundle home and auto and earn a discount
• Compare rates often to find the best deal

The last suggestion is remarkably important, as we discussed in the prior article. Insurance rates fluctuate constantly, so don’t be tentative to buy a policy from a new company if you find a cheaper price.

Being loyal to a particular company is commendable, but we do not recommend it if that devotedness results in you overpaying lots of hard earned cash every month. It only take a few minutes to compare rates and find cheaper insurance for teenage females.