The vehicle model needing coverage is probably the most important factor when trying to find low-priced auto insurance for teenage females. Vehicles with limited top-end speed, modern passenger safety features, or a track record of few liability claims will cost quite a bit less to insure than high performance models.
The information below presents coverage premiums for the most budget-friendly vehicles to insure in California.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $4,330 |
| Honda CR-V LX 4WD | $4,340 |
| Toyota Prius | $4,691 |
| Honda Odyssey LX | $4,824 |
| Ford Explorer XLT 4WD | $4,866 |
| Ford F-150 XL Crew Cab 4WD | $4,910 |
| Volkswagen Jetta 2.0T Station Wagon | $4,964 |
| Dodge Grand Caravan Hero | $5,141 |
| Toyota RAV4 4WD | $5,151 |
| Chevrolet Impala LT | $5,141 |
| GMC Sierra SLE Regular Cab 2WD | $5,147 |
| Toyota Tacoma Double Cab 4WD | $5,185 |
| Honda Civic LX 4-Dr Sedan | $5,372 |
| Ford Edge Limited AWD | $5,414 |
| Hyundai Elantra GLS 4-Dr Sedan | $5,424 |
| Toyota Camry XLE | $5,414 |
| Toyota Corolla S | $5,424 |
| Chevrolet Equinox LTZ AWD | $5,458 |
| Nissan Altima Hybrid 4-Dr Sedan | $5,463 |
| Jeep Grand Cherokee Limited 4WD | $5,458 |
| Chevrolet Malibu LTZ | $5,467 |
| Hyundai Sonata GLS 4-Dr Sedan | $5,566 |
| Jeep Wrangler Unlimited Sahara 4WD 4-Dr | $5,682 |
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Table data represents 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 information does not factor in vehicle location which can alter premium rates substantially.
Looking at the numbers, you can infer that models like the Ford Escape, Honda CR-V, and Toyota Prius are most likely going to be a few of the less-costly vehicles to insure for teen girls. Car insurance rates will trend higher because of the fact that there is more liability risk for teenage females, but in general those particular models will have the least expensive rates compared to other types of vehicles.
Deciding which companies have the cheapest insurance rates for teenage females calls for a little more effort in order to find the best policy. Each insurer has a unique formula to determine premium rates, so we need to take a look at the overall cheapest insurance companies in California.
It’s important to know that Stockton insurance rates are impacted by many factors which can substantially decrease or increase the price you have to pay for coverage. Improving your credit score, increasing deductibles, or getting a ticket for running a stop sign can trigger changes in premium resulting in some rates now being more affordable than before.
Find the Cheapest Car Insurance for Teens
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,155 |
| 2 | Wawanesa | $1,157 |
| 3 | CSAA | $1,186 |
| 4 | Century National | $1,190 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,491 |
| 8 | Progressive | $1,496 |
| 9 | Allstate | $1,513 |
| 10 | Mercury | $1,548 |
| 11 | GEICO | $1,575 |
| 12 | Allied | $1,603 |
| 13 | The Hartford | $1,623 |
| 14 | MetLife | $1,654 |
| 15 | Esurance | $1,688 |
| 16 | Unitrin | $1,733 |
| 17 | State Farm | $1,750 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,842 |
| 20 | Farmers | $2,006 |
| Compare Rates Now Go | ||
USAA has some of the cheapest car insurance rates in Stockton at around $1,155 annually. This is $496 less than the average premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide also qualify as some of the cheaper Stockton, CA car insurance companies.
As shown in the table above, if you currently have coverage with Nationwide and switched to Wawanesa, you may realize an annual savings of about $106. Drivers with 21st Century could save as much as $222 a year, and Grange policyholders might see rate reductions of $334 a year.
To find cheaper insurance rates for your vehicle, click here to begin a quote or visit any of the companies below.
These premiums are averages for all ages of drivers and types of vehicles and do not take into consideration a specific vehicle garaging location for teenage females. So the car insurance company that is best for you may not even be in the top 24 companies shown above. That points out the importance of why you need to compare prices as often as possible using your own driver information and specific vehicle type.
One of the many criteria that aid in calculating the amount you pay each year for auto insurance is the neighborhood you call home in Stockton. Larger areas tend to pay more, whereas areas with fewer weather claims and lower vehicle theft rates have the luxury of lower rates.
The following table rates the most costly cities in California for teenage females in which to purchase auto insurance. Stockton is ranked at #9 with an annual rate of $1,556 for the average policyholder, which is around $130 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,079 |
| 3 | Oakland | $1,738 |
| 4 | San Francisco | $1,711 |
| 5 | Sacramento | $1,669 |
| 6 | San Bernardino | $1,628 |
| 7 | Long Beach | $1,626 |
| 8 | Fontana | $1,581 |
| 9 | Stockton | $1,556 |
| 10 | Moreno Valley | $1,551 |
| 11 | Santa Clarita | $1,533 |
| 12 | Modesto | $1,532 |
| 13 | Garden Grove | $1,524 |
| 14 | Fresno | $1,502 |
| 15 | Riverside | $1,482 |
| 16 | Santa Ana | $1,453 |
| 17 | Anaheim | $1,444 |
| 18 | Huntington Beach | $1,416 |
| 19 | Fremont | $1,403 |
| 20 | San Jose | $1,381 |
| 21 | San Diego | $1,381 |
| 22 | Bakersfield | $1,381 |
| 23 | Oxnard | $1,344 |
| 24 | Chula Vista | $1,337 |
| 25 | Irvine | $1,330 |
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Prices are approximated as vehicle location can alter coverage prices greatly.
Discount Stockton insurance
Insurance providers that offer quotes for teenage females may have premium discounts that could potentially reduce rates by as much as 25% or more if you can meet the requirements. Companies and their possible discounts are detailed below.
- State Farm policyholders can earn discounts including accident-free, Steer Clear safe driver discount, multiple autos, defensive driving training, passive restraint, and safe vehicle.
- Liberty Mutual may include discounts for preferred payment discount, new graduate, exclusive group savings, good student, new vehicle discount, hybrid vehicle, and new move discount.
- American Family offers premium reductions for bundled insurance, TimeAway discount, good driver, good student, and accident-free.
- Progressive includes discounts for multi-policy, online signing, homeowner, good student, online quote discount, continuous coverage, and multi-vehicle.
- Farmers Insurance may have discounts that include teen driver, bundle discounts, good student, distant student, alternative fuel, pay in full, and youthful driver.
- Auto-Owners Insurance discounts include safe vehicle, multiple vehicles, good student, paperless, student away at school, multi-policy, and company car.
- SAFECO offers discounts including anti-lock brakes, teen safe driver, multi-car, anti-theft, homeowner, drive less, and teen safety rewards.
The information below shows the comparison of insurance costs with and without discounts applied to the premium. The costs are based on a female driver, a clean driving record, no claims, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with passive restraint, continuous coverage, vehicle safety, anti-theft, paid-in-full, and paperless filing discounts applied. With discounts applied, the average savings per year on insurance for teenage females is 28% or $765.
Ending up with the highest-rated insurer can be difficult considering how many different companies there are to choose from in California. The company information in the lists below could help you analyze which insurers to look at when trying to find the cheapest insurance for teenage females.
The ratings below are only made up of companies who write in the majority of U.S. states, so smaller regional companies will not be included in these rankings. If you wish to compare prices from these and other companies in California, follow this link.
Top 10 Major Auto Insurance Companies in Stockton Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Compare rates to save
California insurance rates are determined by lots of factors that will increase or decrease the cost of your policy. Improving your credit score, becoming a homeowner, or getting a speeding ticket can trigger rate changes that can make some companies affordable when they were higher priced. And not only may your rating factors change, but insurance companies amend premium rates as needed as an adjustment for underwriting gains or losses. Higher than normal claims can cause more expensive prices, while a lower level of claims may cause lower-cost Stockton car insurance rates.
For example, the chart below shows the cheapest car insurance in Stockton, CA for a 45-year-old male driver with a good driving record, no prior claims, and a good credit rating. If we look at prices based on his personal profile, USAA quotes the best car insurance rates in Stockton at $1,364 a year. This is $287 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are the remaining top five cheapest Stockton, CA auto insurance companies.
Now we will give the driver from the above example a couple of claims, slightly worse credit, and a stop sign violation. Because every insurance company has their own guidelines for determining prices, comparing insurance quotes may now result in a slightly different list of affordable Stockton car insurance companies as shown below.
Grange now has the best car insurance rate in Stockton, CA with Mercury, Progressive, Allstate, and GEICO now rounding out the top five. This example demonstrates why it is crucial to do a thorough rate comparison to find affordable car insurance quotes for teenage females. Insurance rates are impacted by many risk factors and change frequently, so the cheapest company three years ago may now be quite expensive.
How to find low-cost insurance for teenage females
Lowering your rates is not difficult, and here are a few penny-pinching suggestions that can help you quote cheaper auto insurance.
- Remain accident-free and save
- Do not waste money insuring older vehicles for full coverage
- Serious violations like DUI or reckless driving can increase rates dramatically
- Buy vehicles with good safety ratings
- Do not file small claims
- Bundle home and auto and save
- Compare prices as often as possible
The last tip in the list is certainly significant, as we noted in this write-up. Prices charged by companies change a lot, so don’t be afraid to buy a policy from a new company if a more affordable rate is found. Being loyal to a particular company is commendable, but is isn’t recommended if it’s costing you thousands of dollars over the life of your policy. In just a couple of minutes you could compare prices and find cheaper insurance for teenage females in Stockton.