The words “affordable” and “auto insurance” really don’t belong together, especially when you are trying to find the best car insurance for teenage females. In an attempt to save some money, let’s go over a few of the factors that significantly impact auto insurance rates, and find some ways to lower the price of your next policy.
For teen girls, one of the more important considerations that are looked at to determine insurance cost is where your residence is in Long Beach. Cities with more crime and/or more people tend to pay more, whereas more rural areas benefit from having to pay less for coverage.
The illustration below lists the most costly cities in California for teenage females to buy auto insurance in. Long Beach comes in at #9 having an annual price of $1,562 for the average insured, which is around $130 per month.
| Rank | City | Average 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 | $1,644 |
| 7 | Stockton | $1,588 |
| 8 | Santa Clarita | $1,580 |
| 9 | Long Beach | $1,562 |
| 10 | Garden Grove | $1,554 |
| 11 | Riverside | $1,527 |
| 12 | Fontana | $1,519 |
| 13 | Moreno Valley | $1,506 |
| 14 | Modesto | $1,502 |
| 15 | Fresno | $1,502 |
| 16 | Santa Ana | $1,497 |
| 17 | Anaheim | $1,488 |
| 18 | Bakersfield | $1,394 |
| 19 | Fremont | $1,389 |
| 20 | Irvine | $1,384 |
| 21 | San Jose | $1,381 |
| 22 | Huntington Beach | $1,360 |
| 23 | San Diego | $1,340 |
| 24 | Oxnard | $1,318 |
| 25 | Chula Vista | $1,298 |
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Information shown are estimated as the specific geographic location can change premium rates substantially.
The make and model of vehicle you are seeking coverage for is one of the main factors when shopping for cheap auto insurance for teenage females. Vehicles with limited speed and performance, a plethora of safety features, or a low likelihood of liability claims will cost less to insure than adrenaline junky models.
The information below shows auto insurance prices for a number of the most budget-friendly automobiles to insure in California.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX-P 4-Dr Sedan | $4,542 |
| Ford Escape XLS 2WD | $4,548 |
| Honda CR-V LX 4WD | $4,542 |
| Toyota Prius | $4,902 |
| Ford F-150 STX Regular Cab 2WD | $5,069 |
| Dodge Grand Caravan SE | $5,110 |
| Ford Edge Limited 2WD | $5,346 |
| Chevrolet Impala LS | $5,355 |
| Ford Focus S 4-Dr Sedan | $5,346 |
| Toyota RAV4 Sport 2WD | $5,387 |
| Ford Explorer Limited 4WD | $5,428 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $5,438 |
| Honda Civic LX-S 4-Dr Sedan | $5,622 |
| Hyundai Elantra GLS 4-Dr Sedan | $5,664 |
| Volkswagen Jetta SEL 4-Dr Sedan | $5,705 |
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Above prices assume single female driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, and safe-driver. Prices do not factor in Long Beach, CA location which can revise rates greatly.
Based upon the rates shown, we can expect models like the Honda Accord, Ford Escape, Honda CR-V, and Toyota Prius are the cheaper vehicles to insure for teen girls. Auto insurance rates will trend higher just because there is more inherent risk for teenage females, but overall those particular vehicles will have the cheapest car insurance rates compared to all other vehicles.
Discount Long Beach insurance
Insurance companies that offer quotes for teenage females may provide discounts that could potentially reduce rates by 30% or more if you meet specific eligibility requirements. Popular insurance companies and a selection of discounts can be found below.
- Farm Bureau offers premium reductions for safe driver, good student, driver training, 55 and retired, youthful driver, renewal discount, and multi-vehicle.
- Liberty Mutual offers discounts including teen driver discount, multi-car, safety features, preferred payment discount, and new move discount.
- State Farm may include discounts for passive restraint, safe vehicle, Drive Safe & Save, multiple autos, good student, multiple policy, and driver’s education.
- Auto-Owners Insurance discounts include multi-policy, air bags, anti-lock brakes, paperless, mature driver, teen driver, and multiple vehicles.
- GEICO may have discounts that include daytime running lights, anti-theft, good student, defensive driver, anti-lock brakes, and emergency military deployment.
- SAFECO has savings for homeowner, anti-theft, accident prevention training, multi-car, and safe driver.
The example below compares insurance costs with and without policy discounts. The premiums are based on a male driver, no claims or driving citations, 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 passive restraint, vehicle safety, anti-theft, continuous coverage, good student, and paid-in-full discounts applied. With discounts applied, theaverage amount saved on insurance for teenage females is 28% or $929.
Should you buy full coverage?
Saving on insurance is important to most vehicle owners, and one easy way to pay less for insurance for teenage females is to only buy liability insurance. The example below illustrates the comparison of auto insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data assumes a clean driving record, no claims, $250 deductibles, single marital status, and no other discounts are factored in.
Averaged for all age groups, physical damage insurance costs $2,314 per year more than just insuring for liability. That raises the question if buying full coverage is a waste of money. There is no clear-cut rule that is best for determining when to drop comprehensive and collision coverage on your policy, but there is a guideline you can use. If the yearly cost of full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.
For example, let’s say your vehicle’s replacement value is $6,500 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, you would only receive $5,500 after the deductible is paid. If you are currently paying more than $550 a year for full coverage, then you may want to consider only buying liability coverage.
There are a few situations where buying only liability insurance is not a good plan. If you haven’t satisfied your loan, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.
The example below demonstrates how deductibles can increase or decrease annual premium costs when getting quotes for cheap insurance for teenage females. The information is based on a married male driver, comprehensive and collision coverage, and no discounts are factored in.
A 50-year-old driver could pocket $308 a year by switching from a $100 deductible up to a $500 deductible, or save $466 by selecting a $1,000 deductible. Young drivers, like the 20-year-old, could save $1,026 every year by using higher deductibles when buying full coverage. When choosing a higher deductible, it will be required to have enough funds in savings to allow you to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.