The make and model of vehicle you are insuring is a large consideration that determines the availability of affordable coverage for teenage females. Vehicles with high performance engines, poor safety features, or high incidents of liability claims will cost substantially more to insure than more modest models. The information below features car insurance costs for a number of the most economical vehicles to buy insurance for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $3,528 |
| Honda CR-V EX-L 4WD | $3,560 |
| Toyota Prius | $3,806 |
| Honda Odyssey LX | $3,938 |
| Ford F-150 XL Super Cab 2WD | $3,943 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $3,938 |
| Toyota Tacoma 2WD | $4,152 |
| Chevrolet Equinox LS 2WD | $4,184 |
| Nissan Altima 2.5 4-Dr Sedan | $4,194 |
| Toyota RAV4 Sport 4WD | $4,184 |
| Jeep Grand Cherokee Laredo 4WD | $4,190 |
| Ford Explorer Eddie Bauer 4WD | $4,216 |
| Dodge Grand Caravan SXT | $4,223 |
| Hyundai Elantra Blue 4-Dr Sedan | $4,366 |
| Honda Civic VP 4-Dr Sedan | $4,375 |
| Chevrolet Impala LTZ | $4,398 |
| Ford Edge Sport AWD | $4,405 |
| Toyota Camry XLE | $4,398 |
| Chevrolet Malibu LTZ | $4,430 |
| Toyota Corolla XRS | $4,435 |
| Volkswagen Jetta SEL 4-Dr Sedan | $4,430 |
| GMC Sierra SL Crew Cab 2WD | $4,437 |
| Ford F-350 Super Cab Cabela Package 2WD | $4,462 |
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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 safe-driver, and claim-free. Premium amounts do not factor in specific Bakersfield, CA garaging location which can raise or lower auto insurance rates noticeably.
Based upon the rates shown, we can expect vehicles like the Ford Escape, Honda CR-V, Toyota Prius, and Honda Odyssey are going to be some of the most affordable vehicles to insure for teen girls. Car insurance rates will tend to be more expensive anyway because there is more liability exposure for teenage females, but in general those particular models will tend to have the best rates that you’ll find.
One of the more important components that are looked at to help calculate the cost of insurance is where your residence is. Cities with larger populations will most likely pay more, whereas areas with less congestion benefit from lower prices.
The illustration below sorts the highest-priced areas in California for teenage females to buy auto insurance in. Bakersfield comes in at #21 having an annual price of $1,381 for coverage, which is around $115 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Glendale | $2,142 |
| 2 | Los Angeles | $2,104 |
| 3 | Sacramento | $1,720 |
| 4 | San Francisco | $1,711 |
| 5 | Oakland | $1,704 |
| 6 | San Bernardino | $1,628 |
| 7 | Long Beach | $1,626 |
| 8 | Fontana | $1,566 |
| 9 | Stockton | $1,556 |
| 10 | Santa Clarita | $1,548 |
| 11 | Modesto | $1,547 |
| 12 | Garden Grove | $1,524 |
| 13 | Riverside | $1,497 |
| 14 | Moreno Valley | $1,491 |
| 15 | Anaheim | $1,474 |
| 16 | Fresno | $1,457 |
| 17 | Santa Ana | $1,439 |
| 18 | San Jose | $1,395 |
| 19 | Fremont | $1,389 |
| 20 | Irvine | $1,384 |
| 21 | Bakersfield | $1,381 |
| 22 | Huntington Beach | $1,360 |
| 23 | Oxnard | $1,344 |
| 24 | San Diego | $1,327 |
| 25 | Chula Vista | $1,311 |
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Rates are approximated as the specific Bakersfield residence address can affect rates noticeably.
Finding cost effective insurance is challenging, and determining which company quotes the cheapest auto insurance rates for teenage females will involve even more rate comparisons. Each insurer has a different formula to set premium rates, so first we will examine the most budget-friendly auto insurance companies in California.
It’s important that readers know that California auto insurance rates are influenced by many factors which can significantly increase or decrease the price you pay for coverage. Improving your credit score, buying higher coverage limits, or having an accident may prompt premium changes resulting in some companies being more expensive than before.
Best Auto Insurance Prices for Teens
USAA generally has some of the most affordable car insurance rates in Bakersfield at around $1,121 per year. This is $530 less than the average rate paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide also make the cut as some of the most economical Bakersfield, CA auto insurance companies.
As shown in the table above, if you are a policyholder with Wawanesa and switched to USAA, you could earn a yearly savings of roughly $60. Customers with CSAA may save as much as $65 a year, and Century National policyholders might lower prices by $69 a year.
Understand that those estimates are averaged for all insureds and vehicles and do not take into consideration a specific vehicle garaging location for teenage females. So the car insurance company that is most affordable for your situation may not even be in the top 24 companies shown above. That is why you need to get rate quotes from many companies using your own individual information.
Cautious Bakersfield drivers save money
The best way to score cheap auto insurance prices for teen girls is to be a good driver and avoid traffic citations and accidents. The illustration below illustrates how traffic citations and fender-benders can influence auto insurance rates for different categories of driver ages. The premiums are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.
In the previous chart, the average cost of an auto insurance policy per year with no violations or accidents is $3,444. Get two speeding tickets and the average cost rises to $4,580, an increase of $1,136 each year. Now add in two accidents along with the two speeding tickets and the 12-month cost of auto insurance for teenage females increases to an average of $8,582. That’s an increase of $5,138, or $428 per month, just for not driving safely!
Full coverage rates vs. liability-only
Reducing premiums for auto insurance is probably important to most vehicle owners, and an effective way to buy cheaper insurance for teenage females is to buy only liability coverage. The illustration below illustrates the comparison of insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in California. The premiums assume no accidents, no driving violations, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.
If we average the cost for ages 20 through 70, full coverage on your policy costs an extra $1,849 per year more than insuring for liability only. That is a large expense and it proposes the question when is it a good idea to stop buying full coverage. There isn’t a written rule to delete comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.
For example, let’s assume your vehicle’s claim settlement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company will settle for is $3,000 after you pay the deductible. If you are paying over $300 annually for full coverage, then it may be the right time to buy liability only.
The agents shown below are a good start to answer your questions and help you decide which auto insurance coverages would be the best in your situation, as lots of drivers aren’t clear which coverage they need and would like to have some advice when comparing insurance rates for teenage females. It’s not always simple to find the best coverage yourself, so using a licensed agent can bring peace of mind knowing your policy gives you suitable coverage if you ever need to use it. To find an auto insurance agency by location nearest to you, click the button at the bottom or click here to get price quotes now.
- California Insurance Specialist
1601 New Stine Rd # 100 – Bakersfield, CA 93309 – (661) 397-3944 - Farmers Insurance: Grant Fortt
2623 F St – Bakersfield, CA 93301 – (661) 829-4499 - Jeremy Scheidle – State Farm Insurance Agent
2017 24th St – Bakersfield, CA 93301 – (661) 861-9797 - Jim Windes – State Farm Insurance Agent
3512 Coffee Rd d – Bakersfield, CA 93308 – (661) 588-1001 - Allstate Insurance: Lee Hernandez
1801 21st St Ste 3 – Bakersfield, CA 93301 – (661) 327-7761
More insurance agents in Bakersfield, CA
How to find cheaper car insurance for teenage females
Lowering your rates is not difficult, and here are some of the recommended penny-pinching suggestions that can help drivers locate more affordable car insurance.
- Higher physical damage deductibles lower rates
- At-fault accidents can raise rates significantly
- Remove physical damage coverage on older vehicles
- Good credit can save money
- Ensure your driving record is clean
- Vehicles with good safety ratings have lower liability rates
- Compare rate quotes often
That last idea is remarkably significant, as was stressed in this write-up. Car insurance rates in Bakersfield can change considerably based on profitability, so don’t hesitate to change insurance companies if a lower-cost policy is available.
Staying with the same car insurance company is fine, but it’s not a good idea if that devotion results in you overpaying lots of hard earned cash every month. In just a couple of minutes you could shop around and find cheaper insurance for teenage females.