The words “affordable” and “insurance” probably shouldn’t be used together, in particular when searching for the best car insurance for teenage females. Let’s lead off by showing you some of the factors that can significantly affect insurance premiums, and come up with some ways to lower the price of the next policy you buy.
The vehicle requiring coverage is probably the largest consideration when quoting the best insurance for teenage females. Vehicles with average performance, an excellent safety record, or a low likelihood of having liability claims will cost substantially less to insure than fast, unsafe models. The next table presents insurance rates for the cheapest automobiles to buy coverage for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $3,539 |
| Honda CR-V EX-L 2WD | $3,574 |
| Toyota Prius | $3,830 |
| Chevrolet Impala LS | $4,158 |
| Ford Edge Limited 2WD | $4,165 |
| Chevrolet Equinox LS AWD | $4,194 |
| Chevrolet Malibu LS | $4,203 |
| Toyota Camry LE | $4,194 |
| Ford Fusion S 4-Dr Sedan | $4,203 |
| Toyota RAV4 Limited 2WD | $4,194 |
| GMC Sierra SLE Crew Cab 2WD | $4,200 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $4,227 |
| Dodge Grand Caravan Crew | $4,234 |
| Ford F-150 FX2 2WD | $4,227 |
| Ford Explorer Limited AWD | $4,237 |
| Jeep Wrangler Unlimited Sport 2WD 4-Dr | $4,383 |
| Hyundai Elantra Blue 4-Dr Sedan | $4,393 |
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Price data assumes single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, and safe-driver. Prices do not factor in vehicle location which can raise or lower premium rates greatly.
Based upon the table data, makes and models like the Ford Escape, Honda CR-V, and Toyota Prius are going to be the cheapest vehicles to insure for teen girls. The price for an auto insurance policy will be more expensive just due to the fact that there is a higher risk for teenage females, but overall those vehicles will probably have the cheapest car insurance rates possible.
For teen girls, one of the largest components that are used to help calculate the price you pay for insurance is where you keep your car in Corpus Christi. Regions with larger populations or more claims are more likely to have higher rates, whereas areas that tend to be more rural have the luxury of lower rates.
The illustration below sorts the highest-priced places in Texas for teenage females in which to buy car insurance. Corpus Christi ranks #17 having an annual price of $1,620 for the average policy, which is around $135 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | McAllen | $1,936 |
| 2 | Dallas | $1,893 |
| 3 | Brownsville | $1,870 |
| 4 | Houston | $1,853 |
| 5 | Laredo | $1,851 |
| 6 | Amarillo | $1,840 |
| 7 | Mesquite | $1,825 |
| 8 | Grand Prairie | $1,811 |
| 9 | Garland | $1,796 |
| 10 | Pasadena | $1,794 |
| 11 | San Antonio | $1,722 |
| 12 | Beaumont | $1,720 |
| 13 | Irving | $1,719 |
| 14 | Arlington | $1,692 |
| 15 | Lubbock | $1,682 |
| 16 | Carrollton | $1,647 |
| 17 | Corpus Christi | $1,620 |
| 18 | El Paso | $1,616 |
| 19 | Austin | $1,610 |
| 20 | McKinney | $1,609 |
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Rate information is comparative as specific Corpus Christi zip code can decrease or increase rates significantly.
Comparing rates for budget car insurance is not always easy, and figuring out which company quotes the best insurance rates for teenage females will involve even more diligence.
Each insurer has a proprietary method to determine rates, so first we will examine the insurance companies that tend to have lower prices in Corpus Christi. It’s important to understand that Corpus Christi insurance rates are impacted by many things which can significantly increase or decrease your annual premium. This price variation is why consumers need to compare as many rates as possible to find the cheapest auto insurance quotes for teenage females. Car insurance prices consist of many things and can change without notice, so the cheapest rate the last time you compared rates may now cost much more than other companies.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,021 |
| 2 | USAA | $1,128 |
| 3 | Germania Mutual | $1,244 |
| 4 | Texas Farm Bureau | $1,247 |
| 5 | Esurance | $1,379 |
| 6 | California Casualty | $1,424 |
| 7 | Mercury | $1,506 |
| 8 | State Farm | $1,510 |
| 9 | Nationwide | $1,585 |
| 10 | Safe Auto | $1,613 |
| 11 | Progressive | $1,647 |
| 12 | Allstate | $1,667 |
| 13 | Amica | $1,723 |
| 14 | Home State | $2,071 |
| 15 | GEICO | $2,093 |
| 16 | MetLife | $2,183 |
| 17 | Encompass | $2,301 |
| 18 | Unitrin | $2,310 |
| 19 | 21st Century | $2,494 |
| 20 | Titan | $2,594 |
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Travelers may offer some of the lowest car insurance rates in Corpus Christi at around $1,021 a year. This is $883 less than the average rate paid by Texas drivers of $1,904. USAA, Germania Mutual, Texas Farm Bureau, and Esurance would also be considered some of the cheaper Corpus Christi, TX insurance companies.
As shown in the rates above, if you currently buy coverage from Esurance and switched to USAA, you could earn a yearly savings of roughly $251. Texas drivers with California Casualty may save as much as $296 a year, and Mercury customers might reduce rates by $378 a year.
It’s important to note that these premiums are averaged for all types of drivers and the different vehicles they drive and do not factor in an exact zip code location for teenage females. So the company that fits your needs best may not even be in the top 23 companies in the list above. That illustrates why you need to compare prices as often as possible using your own individual information.
The illustration below highlights how deductible choice can raise or lower insurance costs when getting quotes for cheap insurance for teenage females. The rates are based on a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
The chart above illustrates that a 40-year-old driver could lower their policy premium by $302 a year by switching from a $100 deductible up to a $500 deductible, or save $456 by changing to a $1,000 deductible. Young drivers, like the 20-year-old, could drop their prices as much as $766 annually just by choosing higher deductibles. When choosing a higher deductible, it is essential to have enough in a savings account to enable you to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.
How violations and accidents impact rates
A great way to get affordable insurance rates for teen girls is to be a careful driver and avoid tickets and accidents. The diagram below illustrates how traffic citations and at-fault fender-benders influence insurance rates for different insured age categories. The rate quotes are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.
The data above shows the average cost of car insurance in Corpus Christi per year with no accidents or violations is $2,242. Get written up for two speeding tickets and the average cost jumps to $3,202, an increase of $960 each year. Now get two accidents along with the two speeding tickets and the annual cost of insurance for teenage females goes up to an average of $6,642. That’s an increase of $4,400, or $367 per month, just for a couple of infractions!
The benefits of price comparisons
Texas insurance rates are impacted by many factors which can significantly increase or decrease the cost of your policy. Improving your credit rating, having a teen driver, or getting caught speeding may cause policy rate changes resulting in some rates now being cheaper than competitors. Not only may things change on your end, but auto insurance companies file new rates as often as every three months to help ensure profitability. Higher than usual claims may cause additional price hikes, while long-term profits may result in cheaper Corpus Christi car insurance rates.
The chart below analyzes the cheapest car insurance in Corpus Christi, TX for a 45-year-old female driver with no violations or accidents, and a good credit rating. If we estimate prices based on her current risk profile, Travelers offers the most affordable car insurance rates in Corpus Christi at $1,134 a year. This is $770 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance round out the rest of the best Corpus Christi, TX auto insurance companies.
In this example, we will give the driver in the first chart some claims, a little lower credit rating, and a traffic ticket or two. Because every insurance company has a unique approach for filing rates in each state, analyzing rate quotes may result in a different list of the cheapest companies as shown below.
Mercury now has the lowest car insurance rate in Corpus Christi, TX with State Farm, Safe Auto, Nationwide, and USAA also being competitive. This illustrates why it is critical to shop around with many companies to get the most affordable car insurance quotes for teenage females. Auto insurance prices are determined by many risk factors and change dramatically, so the cheapest option two years ago may now be an over-priced policy.
How to find the cheapest auto insurance for teenage females
It is possible to find better rates, and here are a few thrifty solutions that can help you quote low-cost coverage.
- Try to remain claim-free
- Accident-free drivers may qualify for discounts
- Buy vehicles with good safety ratings
- Just one traffic violation will increase your rates
- Home or renters coverage can save on auto insurance
- Keep rates low by shopping around frequently
That last piece of advice is particularly crucial, as we stressed in the article above. Insurance prices can change considerably in a year, so drivers shouldn’t hesitate to buy a different policy if a better deal can be had.
Many drivers prefer to stick with one company, but it’s not a good idea if your bullheadedness ends up costing you money that could be going to better use. If you have a few minutes, now is a great time to shop around and find cheaper insurance for teenage females in Corpus Christi.
The Corpus Christi, TX, insurance agents below can aid you in deciding which auto insurance policy would work best for you, as some drivers wish to have a consultation when shopping for the best coverage for teenage females. It can be difficult to find the best coverage on your own, and professional agents can bring satisfaction knowing you have suitable coverage if you ever need to use it. To find an agent nearest to you, click the button link following the list.
- Annaville Insurance
14602 Compass St a – Corpus Christi, TX 78418 – (361) 949-6787 - Lancaster and Bay Insurance Agency
3124 S Alameda St – Corpus Christi, TX 78404 – (361) 853-0405 - Joe Morales Insurance
5230 Kostoryz Rd # 18 – Corpus Christi, TX 78415 – (361) 852-4292 - Michael Morgan – State Farm Insurance Agent
5515 Saratoga Blvd b – Corpus Christi, TX 78413 – (361) 992-3636