Who Has Cheap Auto Insurance Quotes for Teenage Females in California?

You have probably seen the captivating ads from auto insurance companies like GEICO, Allstate, and Progressive that claim dirt cheap rates. So you should just pick one at random, right?

It’s just not that easy, however, as there are a ton of unknowns such as where you choose to live in California, whether you are married or single, the miles you drive each year, and how many years you have been driving, that all have an effect on the price of a policy. We will try to teach you about these factors and others that can influence the price of auto insurance and educate you enough to have a good start in finding the cheapest insurance.

Finding decent, cost effective auto insurance is difficult, and deciding which companies have the cheapest insurance rates for teenage females will take a little more work. Insurance premiums will most likely be much higher than the average policy in California, with the increase attributed to the potential for higher claims associated with offering coverage for teen girls, but competitive coverage should be achievable if you compare enough rates.

Every car insurance company has a different formula for determining rates in each state, so let’s take a look at the insurance companies with the overall cheapest rates in California.

Best Car Insurance Prices for Teens

Compare Rates and Save

USAA may have some of the most affordable car insurance rates in California at around $1,155 annually. CSAA, Wawanesa, Century National, and Nationwide also rank well as some of the cheaper California auto insurance companies.

As depicted above, if you currently buy coverage from CSAA and switched to USAA, you could realize a yearly savings of about $31. Drivers with Wawanesa could save as much as $37 a year, and Century National insureds might reduce rates by $71 a year.

Bear in mind that those policy prices are averaged for all types of drivers and the different vehicles they drive and do not factor in a price increase for teenage females. So the company that has the cheapest price for you may not even be in the chart above. That point stresses why you need to quote rates from as many companies as possible using your own individual information.

The vehicle that needs insurance is a large factor when looking for cheap car insurance for teenage females in California. Vehicles with average performance, advanced safety features, or a low likelihood of liability claims will cost significantly less to insure than fast, unsafe models. The list below shows car insurance premiums for the most budget-friendly automobiles to insure in California.

Table data represents single female driver age 17, 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 California location which can decrease or increase prices noticeably.

Looking at the rates, you can presume that vehicles like the Ford Escape, Honda CR-V, Chevrolet Traverse, Toyota Prius, and Toyota Tacoma are most likely to be a few of the less-costly vehicles to insure for teen girls. The price for an auto insurance policy will tend to be more expensive because there is more risk for teenage females, but overall those specific models will have the best insurance prices available.

For California drivers, one of the criteria that impact car insurance rates is where you call home in California. Larger areas like Los Angeles, San Francisco, and Sacramento are more likely to pay higher prices, whereas areas that are not as densely populated benefit from having to pay less for coverage.

The table below rates the more expensive cities in California for teenage females to buy car insurance in.

Prices are approximated as vehicle location can increase or decrease premiums significantly.

Finding the right auto insurance provider can be difficult considering how many companies provide coverage in California. The company rank data shown next can help you decide which auto insurance companies to look at putting your business with. These ratings are for the companies with a significant amount of written premium nationwide, so companies that focus mainly on California business are not taken into consideration for the list.

Discount California insurance rates

Insurers that provide cheap car insurance for teenage females in California may additionally offer premium discounts that could lower prices by 35% or more if you meet eligibility requirements. A few of the larger companies and some of the premium reductions they offer can be read below.

The illustration below illustrates the difference between premium costs with and without discounts applied to the policy rates. The information is based on a female driver, a clean driving record, no claims, California state minimum liability limits, full coverage, and $1,000 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with continuous coverage, passive restraint, good student, anti-theft, paperless filing, and vehicle safety discounts applied. In this example, the average amount saved each year on insurance for teenage females is % or $.

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Allstate, State Farm, Progressive, and Geico: Who is best?

When it comes to auto insurance for teen girls in California, four companies you’ll want quotes from are Allstate, State Farm, Progressive, and Geico. Combined they have 48.5% of all auto insurance policies in force. The table below compares and contrasts some of the different options that are available for customers.