The words “bargain” and “insurance” really should not be used together, especially when looking for the best coverage prices for teenage females. In an attempt to save some money, let’s open your eyes to some of the factors that impact car insurance rates, and come up with some ways to reduce the cost of the next policy you buy.
Buying budget insurance is challenging, and finding out which companies quote the cheapest car insurance rates for teenage females will take a bit more work.
Every car insurance company uses a different method for determining rates in each state, so let’s rank the lowest cost car insurance companies in San Diego.
Compare Cheap Insurance Quotes for Teens
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Wawanesa | $1,157 |
| 3 | Nationwide | $1,213 |
| 4 | Century National | $1,214 |
| 5 | CSAA | $1,222 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,477 |
| 8 | Progressive | $1,496 |
| 9 | Mercury | $1,503 |
| 10 | GEICO | $1,529 |
| 11 | Allstate | $1,559 |
| 12 | MetLife | $1,590 |
| 13 | Allied | $1,603 |
| 14 | The Hartford | $1,639 |
| 15 | Unitrin | $1,682 |
| 16 | State Farm | $1,750 |
| 17 | Esurance | $1,756 |
| 18 | Bristol West | $1,795 |
| 19 | Travelers | $1,842 |
| 20 | Farmers | $2,006 |
| Get Personalized Rates Go | ||
USAA normally has some of the most affordable car insurance rates in San Diego at around $1,143 annually. Wawanesa, Nationwide, Century National, and CSAA also qualify as some of the best San Diego, CA car insurance companies.
As shown in the rates above, if you have coverage with Century National and switched to Wawanesa, you could earn an annual savings of around $57. Insureds with CSAA might save as much as $65 a year, and 21st Century policyholders might lower prices by $181 a year.
To find out how your current rates compare, click here to start your custom quote or click several companies below for low rates.
These policy prices are averages across all drivers and vehicles in California and do not factor in a specific zip code for teenage females. So the auto insurance company that is most affordable for your situation may not even be in the top 24 companies shown above. That emphasizes why you need to get quotes using your own personalized driver profile and vehicle information.
One of the many components that are used to help calculate the amount you pay for auto insurance is where you keep your vehicle in San Diego. Areas with more people or even just a higher incidence of claims tend to pay more, whereas areas with fewer weather claims and lower vehicle theft rates have the benefit of cheaper auto insurance prices.
The following table shows the most expensive areas in California for teenage females to purchase auto insurance in. San Diego is ranked #24 with an annual cost of $1,327 for the average policyholder, which is about $111 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,142 |
| 3 | San Francisco | $1,763 |
| 4 | Oakland | $1,704 |
| 5 | Sacramento | $1,652 |
| 6 | San Bernardino | $1,628 |
| 7 | Long Beach | $1,610 |
| 8 | Santa Clarita | $1,595 |
| 9 | Stockton | $1,588 |
| 10 | Fontana | $1,566 |
| 11 | Garden Grove | $1,508 |
| 12 | Santa Ana | $1,497 |
| 13 | Riverside | $1,497 |
| 14 | Moreno Valley | $1,491 |
| 15 | Anaheim | $1,488 |
| 16 | Modesto | $1,487 |
| 17 | Fresno | $1,457 |
| 18 | San Jose | $1,423 |
| 19 | Huntington Beach | $1,416 |
| 20 | Fremont | $1,403 |
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Annual rates are approximated as the garaging address in San Diego can alter prices substantially.
The vehicle model that needs insurance is a significant factor when looking for the most economical insurance for teenage females. Vehicles with lower acceleration and performance, a plethora of safety features, or low incidents of liability claims will cost substantially less to insure than adrenaline junky models. The next list outlines insurance prices for a number of the most economical vehicles to buy coverage for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 2WD | $3,025 |
| Honda Accord EX 4-Dr Sedan | $3,035 |
| Honda CR-V EX-L 4WD | $3,056 |
| Hyundai Elantra SE Touring Station Wagon | $3,247 |
| Toyota Prius | $3,276 |
| Dodge Grand Caravan SE | $3,399 |
| Ford Explorer Eddie Bauer 2WD | $3,405 |
| Volkswagen Jetta 2.0T Station Wagon | $3,467 |
| Ford Focus S 4-Dr Sedan | $3,560 |
| Chevrolet Malibu LS | $3,590 |
| Toyota RAV4 Limited 4WD | $3,600 |
| Chevrolet Equinox LT AWD | $3,590 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $3,619 |
| Ford F-150 Lariat Crew Cab 2WD | $3,627 |
| Jeep Wrangler Unlimited Sport 2WD 4-Dr | $3,751 |
| Chevrolet Impala LTZ | $3,782 |
| Honda Odyssey EX-L W/Rear Entertainment | $3,791 |
| Compare Cheap Rates Go | |
Cost estimates assume single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, and safe-driver. Rates do not factor in specific location which can decrease or increase price quotes considerably.
Based upon the table data, you can expect makes and models like the Ford Escape, Honda Accord, and Honda CR-V are likely to be the most affordable vehicles to insure for teen girls. The price of auto insurance will tend to be more expensive just because there is a higher risk for teenage females, but generally speaking those vehicles will most likely have the lowest insurance rates compared to all other vehicles.
Drive safe and save
In a perfect world, the best way to get the most affordable car insurance prices in California for teen girls is to drive safely and not get tickets or have accidents. The illustration below demonstrates how speeding tickets and fender-benders drive up car insurance rates for each age group. The rates are based on a married female driver, full coverage, $1,000 deductibles, and no discounts are factored in.
The data above shows the average cost of an auto insurance policy in San Diego per year with no accidents and a clean driving record is $1,912. Get written up for two speeding tickets and the average cost rises to $2,709, an increase of $797 each year. Then throw in one accident along with the two speeding tickets and the annual cost of car insurance for teenage females increases to an average of $3,523. That’s an increase of $1,611, or $134 per month, just for a couple of infractions!
Get discounts on San Diego insurance
Insurance providers that offer quotes for teenage females may additionally offer premium discounts that could reduce prices by as much as 35% if you meet certain criteria. Larger car insurance companies and a summarized list of policyholder discounts are:
- Esurance discounts include multi-car, safety device, claim free, online quote, good student, and renters.
- The Hartford offers discounts for air bag, vehicle fuel type, driver training, defensive driver, good student, bundle, and anti-theft.
- AAA offers discounts including anti-theft, pay-in-full, multi-car, multi-policy, and good student.
- GEICO may include discounts for anti-theft, emergency military deployment, air bags, multi-vehicle, seat belt use, and multi-policy.
- State Farm policyholders can earn discounts including passive restraint, safe vehicle, multiple policy, defensive driving training, and student away at school.
The information below illustrates the comparison of auto insurance rates with and without discounts applied to the premium. Data assumes a female driver, no claims or driving citations, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with vehicle safety, paperless filing, paid-in-full, good student, passive restraint, and continuous coverage discounts applied. When discounts are applied, the average amount saved each year on car insurance for teenage females is 28% or $1,034.
The diagram below shows how different deductible levels can influence insurance prices when quoting cheap insurance for teenage females. The costs are based on a married female driver, comprehensive and collision coverage, and no discounts are applied.
The data above shows that a 30-year-old driver could pocket $420 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $632 by using a $1,000 deductible. Even younger drivers, like the Age 20 category, could reduce their rates as much as $896 or more just by choosing higher deductibles when buying full coverage. If you do decide to increase your deductibles, it will now be necessary to have spare funds to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
What aren’t you shopping around?
San Diego car insurance rates are based on many factors that may substantially change the price you pay for coverage. Improving your credit score, moving across town, or having an at-fault accident can trigger price changes that can make some companies much cheaper than others.
Not only that, but car insurance companies file new rates as needed in order to protect their financial rating. A period of increased losses can result in increased policy costs, while lower claims may cause cheaper San Diego car insurance rates.
For example, the bar chart below compares the cheapest car insurance in San Diego, CA for a 30-year-old male driver with no violations or accidents, and a good credit rating. If we compare prices based on his current situation, USAA quotes the most affordable car insurance rates in San Diego at $1,140 a year. This is $511 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also make the list of the top five cheapest San Diego, CA auto insurance companies.
In the next rate comparison, we’ll give the driver from the first set of rates a claim, a little lower credit rating, and a couple of points charged on his driving record. Because each company has their own formula for determining prices, getting updated rate quotes may now present a slightly different list of the cheapest companies as shown below.
Grange now has the best auto insurance rate in San Diego with Mercury, Allied, Progressive, and Allstate now rounding out the top five. This demonstrates why it is critical to compare lots of rates when trying to find cheap insurance quotes for teenage females.
Insurance prices can be determined by many things and can change substantially, so the best company three years ago may now be quite expensive.