Who Has Affordable Auto Insurance for Teenage Females in Irvine?

Deciphering which company quotes the lowest-priced car insurance rates for teenage females will take more work in order to find the most economical policy.

Each auto insurance company has a different formula for setting prices, so let’s examine the most competitive car insurance companies in Irvine, CA.

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Cheapest insurance companies in California
Rank Company Cost Per Year
1 USAA $1,143
2 Century National $1,190
3 Wawanesa $1,192
4 CSAA $1,198
5 Nationwide $1,250
6 21st Century $1,325
7 Grange $1,433
8 Allstate $1,497
9 GEICO $1,529
10 Mercury $1,533
11 Allied $1,541
12 Progressive $1,542
13 The Hartford $1,591
14 MetLife $1,654
15 Unitrin $1,699
16 State Farm $1,750
17 Esurance $1,756
18 Bristol West $1,795
19 Travelers $1,806
20 Farmers $2,026
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USAA offers some of the most affordable car insurance rates in Irvine at around $1,143 annually. Century National, Wawanesa, CSAA, and Nationwide also make the cut as some of the best Irvine, CA car insurance companies.

In the above example, if you currently buy coverage from Wawanesa and switched to USAA, you might realize a yearly price reduction of about $49. Insureds with CSAA could save as much as $55 a year, and Nationwide insureds might realize rate reductions of up to $107 a year.

It’s important to note that these estimates are averaged across all drivers and vehicles in California and and are not figured with a vehicle location for teenage females. So the auto insurance company that fits you best 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 specific driver information and vehicle.

The vehicle model you are seeking coverage for is probably the biggest factor when consumers are trying to find the best cheap car insurance for teenage females. Vehicles with high performance features, poor passenger safety features, or high incidents of liability claims will cost much more to insure than safer models. The information below showcases coverage prices for a handful of the most budget-friendly vehicles to insure.

Cheapest Vehicles to Insure in Irvine, CA
Make, Model, and Trim Level Estimated Cost for Full Coverage
Honda Accord LX-P 4-Dr Sedan $3,239
Ford Escape XLT 4WD $3,268
Honda CR-V EX 4WD $3,278
Toyota Prius $3,497
Ford F-150 STX Regular Cab 4WD $3,643
Ford Explorer XLT AWD $3,651
Toyota Camry LE $3,842
GMC Sierra SLE Crew Cab 2WD $3,847
Toyota RAV4 Sport 4WD $3,842
Dodge Grand Caravan Hero $3,848
Jeep Grand Cherokee Laredo 2WD $3,842
Toyota Tacoma Double Cab TRD Sport Package 4WD $3,872
Ford Focus SES 4-Dr Sedan $4,010
Hyundai Elantra GLS 4-Dr Sedan $4,038
Toyota Corolla XLE $4,044
Honda Odyssey EX-L $4,038
Chevrolet Impala LTZ $4,048
Nissan Altima 2.5 S 4-Dr Sedan $4,038
Ford Edge Sport 2WD $4,048
Chevrolet Malibu LTZ $4,069
Chevrolet Silverado LTZ Extended Cab 4WD $4,074
Chevrolet Silverado 2500HD LTZ Crew Cab 4WD $4,069
Volkswagen Jetta SE 4-Dr Sedan $4,075
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Data based on 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 garaging location in Irvine, CA which can decrease or increase auto insurance rates greatly.

Looking at the data, vehicles like the Honda Accord, Ford Escape, Honda CR-V, Toyota Prius, and Ford F-150 are going to be some of the cheapest vehicles to insure for teen girls. The cost of a car insurance policy will tend to be more expensive just due to the fact that there is more liability risk for teenage females, but in general those specific models will have the lowest insurance rates that you’ll find.

Selecting a high-quality company is difficult considering how many companies are available to choose from in California. The ranking data in the next section may help you select which auto insurance companies to look at when insurance shopping for teenage females. The rankings below are only comprised of the companies with a significant amount of written premium nationwide, so companies with more of a regional focus will not be included in this list.

Top 10 Major Auto Insurance Companies in Irvine Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. AAA of Southern California
  5. Titan Insurance
  6. The General
  7. AAA Insurance
  8. State Farm
  9. Mercury Insurance
  10. Nationwide

Top 10 Major Auto Insurance Companies Overall in Irvine

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive

Liability-only versus full coverage

Reducing the cost of car insurance is important to the majority of drivers, and one common way to buy cheaper insurance for teenage females is to buy only liability coverage. The illustration below shows the difference between auto insurance costs with full physical damage coverage compared to only buying liability only. The information is based on no claims or violations, $1,000 deductibles, drivers are single, and no discounts are factored in.

If averaged for all ages, physical damage coverage costs $2,467 per year more than buying just liability insurance. That touches on the question if it’s worth it to buy full coverage. There isn’t a steadfast formula for excluding full coverage on your policy, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.

There are some circumstances where only buying liability is not a good idea. If you still owe money on your vehicle, you are required to maintain full coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not remove full coverage.

Careless driving habits raise Irvine car insurance rates

The obvious way to score good car insurance prices for teen girls is to be a safe driver and avoid accidents and traffic citations. The chart below shows how speeding tickets and at-fault fender-benders increase insurance costs for each different age group. The rate quotes are based on a single male driver, full coverage, $250 deductibles, and no policy discounts are applied.

The data in the chart shows the average cost of an auto insurance policy in California per year with a clean driving record and no accidents is $3,093. Receive one speeding ticket and the average cost swells to $3,488, an increase of $395 each year. Then add in one accident along with the one speeding ticket and the annual cost of car insurance for teenage females jumps again to an average of $4,604. That’s an increase of $1,511, or $126 per month, just for not being a responsible driver!

If you prefer to get some guidance when buying car insurance for teen girls, the agents below can probably help you determine which coverages are best. To locate an Irvine car insurance agency by location nearest to you, click the button below the list or click here to compare price quotes.

Farmers Insurance
4000 Barranca Pkwy # 250Irvine, CA 92604(949) 262-3238

Willis Insurance Services of CA Inc
18101 Von Karman Ave # 600Irvine, CA 92612(949) 885-1200

Rebecca Higgs – State Farm Insurance Agent
5410 Trabuco Rd #100Irvine, CA 92620(949) 726-9015

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