The words “low-cost” and “auto insurance” probably shouldn’t be used together, especially when shopping around for the best insurance rates for teenage females. Because of the high cost, let’s open your eyes to some things that have an effect on insurance rates, and find a way to take the bite out of the next policy you buy.
One of the more important things that determine the annual cost of car insurance is where your car is garaged. Cities with more crime and/or more people are more likely to pay higher prices, whereas areas with fewer weather claims and lower vehicle theft rates can boast about having cheaper rates.
The information below ranks the most costly cities in California for teenage females in which to purchase auto insurance. San Francisco shows up at #3 with a yearly cost of $1,745 for the average policyholder, which is about $145 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Los Angeles | $2,146 |
| 2 | Glendale | $2,079 |
| 3 | San Francisco | $1,745 |
| 4 | Oakland | $1,687 |
| 5 | Sacramento | $1,652 |
| 6 | San Bernardino | $1,628 |
| 7 | Long Beach | $1,626 |
| 8 | Stockton | $1,603 |
| 9 | Santa Clarita | $1,595 |
| 10 | Garden Grove | $1,570 |
| 11 | Moreno Valley | $1,551 |
| 12 | Modesto | $1,547 |
| 13 | Riverside | $1,527 |
| 14 | Fontana | $1,519 |
| 15 | Fresno | $1,502 |
| 16 | Anaheim | $1,444 |
| 17 | Santa Ana | $1,439 |
| 18 | San Jose | $1,437 |
| 19 | Huntington Beach | $1,416 |
| 20 | Fremont | $1,348 |
| Quote Best Rates Go | ||
Rate information is estimated as the specific area where the vehicle is garaged can affect price quotes noticeably.
The vehicle needing coverage is probably the largest consideration when trying to find affordable auto insurance for teenage females. Vehicles with more horsepower, a lack of advanced safety features, or a track record of large liability claims will cost significantly more to insure than safer models. The information below presents auto insurance prices for a number of the cheaper automobiles to buy coverage for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 4WD | $5,033 |
| Honda CR-V EX-L 2WD | $5,042 |
| Hyundai Elantra SE Touring Station Wagon | $5,347 |
| Toyota Prius | $5,394 |
| Honda Odyssey LX | $5,552 |
| Ford Explorer XLT AWD | $5,600 |
| Dodge Grand Caravan SE | $5,606 |
| Volkswagen Jetta SE 2.5 Station Wagon | $5,708 |
| Chevrolet Impala LS | $5,866 |
| Toyota RAV4 Limited 4WD | $5,913 |
| Nissan Altima 2.5 4-Dr Sedan | $5,920 |
| Ford F-150 Lariat Crew Cab 2WD | $5,961 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $5,968 |
| Ford Focus SEL 4-Dr Sedan | $6,180 |
| Jeep Wrangler Unlimited Sport 4WD 4-Dr | $6,222 |
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Data variables include 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. Price estimates do not factor in the specific area where the vehicle is garaged which can impact coverage rates considerably.
Based on these rates, you can expect makes and models like the Ford Escape, Honda CR-V, and Hyundai Elantra are some of the most budget-friendly vehicles to insure for teen girls. The price for car insurance will be more costly because of the fact that there is more liability risk for teenage females, but overall those particular vehicles will most likely have the best insurance prices available.
Figuring out which company quotes the cheapest insurance rates for teenage females will involve more time than just comparing rates from one or two companies. Each company has their own formula to set policy rates, so let’s take a look at the lowest cost insurance companies in California.
It’s a good idea to be aware that California insurance rates are influenced by many factors that control the cost of your policy. Simply having another birthday, filing a claim, or having a fender bender may cause policy rate changes that can now make some companies cheaper in comparison to the competition.
Compare Cheap Insurance Quotes for Teens
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Wawanesa | $1,181 |
| 3 | CSAA | $1,186 |
| 4 | Nationwide | $1,213 |
| 5 | Century National | $1,226 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,433 |
| 8 | Allstate | $1,497 |
| 9 | Mercury | $1,503 |
| 10 | Progressive | $1,558 |
| 11 | GEICO | $1,575 |
| 12 | Allied | $1,603 |
| 13 | The Hartford | $1,623 |
| 14 | MetLife | $1,654 |
| 15 | Unitrin | $1,699 |
| 16 | State Farm | $1,733 |
| 17 | Esurance | $1,739 |
| 18 | Travelers | $1,788 |
| 19 | Bristol West | $1,795 |
| 20 | Farmers | $1,946 |
| Get Personalized Rates Go | ||
USAA may have some of the cheapest car insurance rates in San Francisco at around $1,143 per year. This is $508 less than the average rate paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National are also some of the cheaper San Francisco, CA car insurance companies.
As shown above, if you are insured with Nationwide and switched to USAA, you could realize a yearly price reduction of about $70. Drivers with Century National might save as much as $83 a year, and 21st Century customers might reduce rates by $182 a year.
These premiums are averages across all drivers and vehicles and are not factoring in an exact location for teenage females. So the insurer that has the lowest price for you may not even be in the list above. That emphasizes why you need to get rate quotes using your own specific driver information and vehicle.
The diagram below shows how choosing a deductible can impact insurance costs when researching cheap insurance for teenage females. The premiums assume a single female driver, full coverage, and no discounts are factored in.
The data above shows that a 50-year-old driver could reduce rates by $350 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $530 by changing to a $1,000 deductible. Even younger drivers, such as the 20-year-old chart data, could reduce their rates up to $888 or even more just by choosing higher deductibles when buying full coverage. If you do decide to increase your deductibles, it is essential to have enough savings set aside to allow you to pay the extra out-of-pocket expense, which deters some people from using high deductibles.
Picking a high-quality auto insurance company can be difficult considering how many companies there are to choose from in San Francisco. The ranking data shown below can help you choose which coverage providers to look at comparing rate quotes with.
These rankings only include the largest companies in the United States, so smaller companies will not be included in this list. If you’d like to compare prices from these top insurers and more, just click here.
Top 10 Major Auto Insurance Providers in San Francisco Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
Top 10 Major Auto Insurance Providers Overall in San Francisco
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Can you find cheaper San Francisco car insurance?
San Francisco insurance rates are influenced by many factors which can substantially decrease or increase the price you pay. Simply getting older, buying another vehicle, or getting a driving violation can trigger changes in premium that may make certain companies more affordable than the competition. In addition, auto insurance companies modify rates every year in order to be able to pay unexpected claims. Higher than normal claim frequency or severity can result in more expensive premiums, while lower claim expenses may result in lower-cost San Francisco car insurance rates.
To illustrate this example, the chart below shows which companies have the cheapest car insurance in San Francisco, CA for a 30-year-old male driver with a clear driving record, no claims, and a good credit rating. If we compare prices based on his personal risk profile, USAA quotes the cheapest car insurance rates in San Francisco at $1,507 each year. This is $144 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide round out the rest of the cheapest San Francisco, CA auto insurance companies.
The next chart shows rates after we give the driver from the first rate comparison an accident claim, a lower credit rating, and a speeding ticket. Due to the fact that every auto insurer uses a different method for setting prices, getting updated rate quotes could result in a different set of cheap San Francisco auto insurance companies as shown below.
Grange now has the lowest price in San Francisco, CA with Allstate, Allied, Progressive, and Mercury completing the list. This example proves why consumers need to take the time to take the time to shop around to get the lowest auto insurance rates for teenage females.
Auto insurance prices are calculated by many things and change frequently, so the cheapest option when you bought your policy may now be quite expensive.
How to find budget-friendly insurance for teenage females
The list below summarizes a few thrifty suggestions that can help San Francisco drivers get cheap auto insurance.
- Drivers with good credit often pay less
- Serious violations like DUI or careless driving can make car insurance unaffordable
- Vehicles with safetly features generally cost less to insure
- At-fault accidents will increase rates
- Increase the comprehensive and collision deductibles on your policy
- Save money by only buying liability coverage for older vehicles
- Compare rates once a year for cheaper prices
That final tip is extremely crucial, as we pointed out in the prior article. Car insurance prices in San Francisco can change significantly in a year, so drivers shouldn’t hesitate to switch companies if a lower price can be found. Brand loyalty is not necessarily bad, but it’s not recommended if that loyalty results in overpaying hundreds of dollars year after year. It only takes a couple minutes to compare rates and find cheaper insurance for teenage females.
If you wish to have some advice when trying to find lower insurance rates for teenage females, the agents shown below can answer your questions and help you decide which coverages are best.
To find an agent in your neighborhood, click the button below the list or click here to compare prices now.
- Blum-Blackfield Insurance Agency
2 Twin Peaks Blvd – San Francisco, CA 94114 – (415) 665-1440 - Alan Chan State Farm Insurance
1820 Van Ness Ave – San Francisco, CA 94109 – (415) 776-2190 - Al Zeidler Insurance Agency
1714 Stockton St #417 – San Francisco, CA 94133 – (415) 753-1936 - Basic West Insurance Agency
1641 Taraval St – San Francisco, CA 94116 – (415) 665-7400 - Sandy Lee – State Farm Insurance Agent
188 S Park St #4 – San Francisco, CA 94107 – (415) 227-9833