The type of vehicle requiring insurance is one of the largest factors when comparison shopping for the lowest-priced insurance for teenage females. Vehicles with lower performance, a plethora of safety features, or a low likelihood of liability claims will cost significantly less to insure than higher performance models. The next list shows coverage rates for a selection of the most cost-effective vehicles to insure in California.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Ford Escape XLT 2WD||$3,945|
|Honda CR-V LX 2WD||$3,951|
|Ford Explorer Eddie Bauer 2WD||$4,436|
|Dodge Grand Caravan SE||$4,446|
|Chevrolet Impala LS||$4,639|
|Ford Focus S 4-Dr Sedan||$4,648|
|Ford Edge SEL 2WD||$4,639|
|Jeep Grand Cherokee Laredo 4WD||$4,675|
|Ford Fusion S 4-Dr Sedan||$4,680|
|Toyota RAV4 Limited 4WD||$4,675|
|Chevrolet Equinox LS AWD||$4,680|
|Nissan Altima 2.5 4-Dr Sedan||$4,675|
|Ford F-150 FX4 Super Cab 4WD||$4,709|
|Toyota Tacoma Double Cab 4WD||$4,714|
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Data based on single female driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Prices do not factor in specific garaging location which can revise auto insurance rates noticeably.
Based upon these rates, you can presume that vehicles like the Ford Escape, Honda CR-V, and Toyota Prius are a few of the most economical vehicles to insure for teen girls. The cost of a car insurance policy will be higher anyway just because there is more claim risk for teenage females, but overall those particular vehicles will most likely have the best insurance prices compared to other vehicles.
One of the many criteria that help determine auto insurance rates is your zip code in Riverside. Areas with high crime rates or more dense population will most likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates can boast about having cheaper rates.
The information below rates the most costly cities in California for teenage females to buy auto insurance in. Riverside is ranked at #15 with a yearly premium of $1,482 for the average insured, which is about $124 monthly.
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Information shown are estimated as the specific area where the vehicle is garaged can alter premiums substantially.
Safe drivers pay less for car insurance
One of the best ways to enjoy cheap car insurance premiums in California for teen girls is to be a careful driver and avoid traffic citations and accidents. The information below illustrates how speeding tickets and at-fault accidents influence premium costs for different ages of insureds. Data assumes a married male driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.
In the previous chart, the average cost of a car insurance policy in California per year with no accidents and a clean driving record is $2,939. Get one speeding ticket and the average cost hikes up to $3,375, an increase of $436 each year. Then add two accidents along with the one speeding ticket and the 12-month cost of car insurance for teenage females jumps again to an average of $7,020. That’s an increase of $4,081, or $340 per month, just for not driving responsibly!
The information below shows how choosing a deductible can affect yearly insurance costs when searching for cheap insurance for teenage females. The data is based on a married female driver, full coverage, and no discounts are taken into consideration.
The chart above illustrates that a 40-year-old driver could save $300 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $456 by selecting a $1,000 deductible. Even younger drivers, like the 20-year-old example, could reduce their rates $750 annually by choosing a larger deductible amount. If you do make the decision to raise your deductibles, it is a good idea to have enough savings to allow you to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
Liability-only versus full coverage
Paying a lower price for car insurance is probably important to the majority of people, and a good way to reduce the cost of insurance for teenage females is to only pay for liability coverage. The diagram below shows the difference between car insurance rates with and without physical damage coverage. The price estimates are based on no accidents, no driving violations, $250 deductibles, marital status is single, and no discounts are applied to the premium.
Averaged for all ages 20 through 70, comp and collision coverage costs $3,093 per year over and above liability only. At some point, almost every driver questions if paying for full coverage is a waste of money. There is no clear-cut formula to stop buying full coverage on your policy, but there is a guideline you can consider. If the annual cost of coverage is more than about 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.
There are some conditions where eliminating full coverage is not advised. If you still have a lienholder on your title, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should not eliminate full coverage.