The vehicle model you are insuring is one of the main factors that determines whether or not you find cheap auto insurance for teenage females. Vehicles with lower acceleration and performance, advanced safety features, or a track record of few liability claims will cost significantly less to insure than fast, unsafe models.
The information below outlines auto insurance costs for a selection of the cheapest vehicles to insure in North Carolina.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Honda CR-V LX 4WD||$3,554|
|Honda Accord LX-P 4-Dr Sedan||$3,559|
|Ford Escape Limited 4WD||$3,815|
|Honda Odyssey LX||$3,958|
|Toyota Tacoma 4WD||$3,993|
|Ford F-150 XL Crew Cab 4WD||$4,027|
|Volkswagen Jetta 2.0T Station Wagon||$4,073|
|Jeep Grand Cherokee Laredo 2WD||$4,218|
|Toyota RAV4 Sport 2WD||$4,225|
|Chevrolet Equinox LS AWD||$4,218|
|Ford Explorer Limited AWD||$4,251|
|Dodge Grand Caravan SXT||$4,256|
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Data rating is based on single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, and safe-driver. Prices do not factor in the specific area where the vehicle is garaged which can impact rates noticeably.
Based upon the table data, we can presume that models like the Honda CR-V, Honda Accord, Ford Escape, Toyota Prius, and Honda Odyssey are going to be a few of the cheapest vehicles to insure for teen girls. The price of auto insurance will tend to be higher because there is more liability exposure for teenage females, but overall those particular vehicles will probably have the best rates available.
For teen girls, one of the largest factors that are looked at to help calculate the amount you pay for auto insurance is where your residence is. Cities with more crime and/or more people tend to have more expensive auto insurance rates, whereas areas with lower vehicle theft rates and fewer weather claims have the benefit of cheaper auto insurance prices.
The illustration below sorts the most expensive places in North Carolina for teenage females to buy an auto insurance policy in. Durham makes the list at #5 with the annual price of $797 for the average policyholder, which is approximately $66 each month.
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Rate information is approximated as the specific area where the vehicle is garaged can lower or raise premiums significantly.
Deciding which company offers the best auto insurance rates for teenage females will involve a tad more effort in order to find the best policy. Each insurance company has their own formula for filing rates in each state, so let’s examine the overall cheapest auto insurance companies in North Carolina.
It’s important that you understand North Carolina auto insurance rates are influenced by many factors that control the price of your policy. Simply having another birthday, moving to a different location, or having a fender bender can cause premium changes resulting in some companies being cheaper than before.
Find Cheaper Auto Insurance for Teens
|Rank||Company||Cost Per Year|
|3||NC Farm Bureau||$709|
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Utica National may have some of the best car insurance rates in Durham at around $636 per year. Progressive, NC Farm Bureau, Penn National, and Liberty Mutual would also be considered some of the cheaper Durham, NC insurance companies.
As depicted above, if you are a policyholder with NC Farm Bureau and switched to Utica National, you could realize a yearly savings of around $73. Customers with Penn National may save as much as $89 a year, and Liberty Mutual customers might reduce prices by as much as $92 a year.
To find the cheapest rates for your vehicle, click here to start your custom quote or visit any of the low-priced companies below.
It’s important to note that these estimates are averaged for all types of insureds and vehicles and are not factoring in a specific location for teenage females. So the company that is best for you may not even be in the list above. That affirms the importance of why you need to compare prices as often as possible using your own driver data and vehicle information.
The information below illustrates how choosing a deductible can raise or lower insurance costs when quoting cheap insurance for teenage females. The premiums assume a single male driver, comp and collision included, and no policy discounts are applied.
In the chart above, a 40-year-old driver could lower rates by $206 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $310 by using a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, could save as much as $670 every year by choosing a larger deductible amount. When insureds make the decision to increase the deductibles on their policy, it’s a good idea to have plenty of savings on hand to satisfy the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.
Irresponsible driving raises your rates
The best way to find cheap auto insurance premiums for teen girls is to be a cautious driver and avoid at-fault accidents and violations. The example below demonstrates how speeding tickets and at-fault accidents drive up insurance prices for each different age group. The premium estimates are based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.
The data above shows the average cost of car insurance in North Carolina per year with no accidents and a clean driving record is $1,573. Add in one speeding ticket and the average cost hikes up to $1,774, an increase of $201 each year. Then add one accident along with the one speeding ticket and the annual cost of auto insurance for teenage females goes up to an average of $2,337. That’s an increase of $765, or $64 per month, just for not keeping your driving record clean!
Selecting the highest-rated company can be challenging considering how many companies there are in Durham. The information shown next can help you analyze which car insurance providers you want to consider buying from.
These rankings are only comprised of the companies with a significant amount of written premium nationwide, so companies that only write business in North Carolina or surrounding areas are not included in this list. To compare prices and find cheaper insurance for teenage females, simply click here.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies