The make and model of vehicle to be insured is one of the biggest factors when shopping around for affordable insurance for teenage females. Vehicles with high performance, a lack of advanced safety features, or a history of substantial liability claims will cost significantly more to insure than safer models. The next table ranks auto insurance premiums for a handful of the most cost-effective vehicles to buy insurance for.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 2WD | $5,519 |
| Honda Accord LX 4-Dr Sedan | $5,529 |
| Honda CR-V EX-L 4WD | $5,570 |
| Toyota Prius | $5,955 |
| Jeep Wrangler Sahara 4WD 2-Dr | $6,212 |
| Ford Explorer Eddie Bauer 2WD | $6,220 |
| Volkswagen Jetta 2.0T Station Wagon | $6,292 |
| Honda Odyssey EX W/Rear Entertainment | $6,495 |
| Ford Edge Limited 2WD | $6,500 |
| Toyota Camry LE | $6,546 |
| Chevrolet Equinox LT 2WD | $6,551 |
| Nissan Altima 2.5 4-Dr Sedan | $6,546 |
| Toyota RAV4 Sport 4WD | $6,555 |
| Chevrolet Malibu Hybrid | $6,546 |
| Dodge Grand Caravan SXT | $6,597 |
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Data based on single female driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Massachusetts minimum liability limits. Discounts applied include claim-free, and safe-driver. Information does not factor in specific garaging location which can increase or decrease premiums considerably.
Looking at the rates, you can conclude that cars like the Ford Escape, Honda Accord, and Honda CR-V are going to be the less-costly vehicles to insure for teen girls. The price for car insurance will be higher anyway just because there is more liability risk for teenage females, but overall those makes and models will probably have the lowest prices compared to all other vehicles.
Trying to find cheap insurance is not the easiest thing to do, and determining which company quotes the cheapest insurance rates for teenage females will require a bit more work. Every auto insurer uses their own calculation to set premium rates, so let’s take a look at the insurance companies with the most affordable rates in Boston, MA.
We do need to point out that Boston, MA insurance rates are determined by lots of factors that control the cost of coverage. Improving your credit score, increasing deductibles, or having an accident may generate price changes that can make some companies higher-priced than the competition.
Find Cheaper Car Insurance for Teens
State Farm quotes some of the lowest car insurance rates in Boston at around $733 each year. National Grange Mutual, GEICO, Commerce Group, and OneBeacon would also make the list of some of the cheaper Boston, MA auto insurance companies.
In this example, if you currently buy coverage from GEICO and switched to State Farm, you might see a yearly price reduction of in the neighborhood of $117. Policyholders with Commerce Group could save as much as $142 a year, and OneBeacon insureds might lower prices by up to $170 a year.
To find cheaper insurance rates for your vehicle, click here or click several companies below for low rates.
Bear in mind that those policy prices are averages across all types of insureds and vehicles and are not factoring in an exact zip code location for teenage females. So the insurer that has the cheapest rates for you may not even be in the top 21 companies in the list above. That affirms the importance of why you need to get rate quotes using your own personal information and vehicle type.
The diagram below demonstrates how choosing different deductibles can change premium costs when researching cheap insurance for teenage females. The premium estimates are based on a single male driver, comp and collision included, and no discounts are factored in.
In the chart above, a 30-year-old driver could lower their policy premium by $370 a year by switching from a $100 deductible up to a $500 deductible, or save $556 by choosing a $1,000 deductible. Even younger insureds, like the Age 20 chart data, have the ability to save up to $1,084 or more just by choosing larger deductibles. If you do raise deductibles, it is important to have plenty of savings on hand to be able to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
Insuring your vehicle with the right insurance company can be a challenge considering how many companies sell coverage in Massachusetts. The rank data shown below can help you pick which auto insurance companies you want to consider purchasing from. The rankings below are for companies that write coverage in many states, so smaller regional companies are not included in this list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| The Hartford | 88 | 96 | 91 | 93% | A+ | 92.6 |
| Progressive | 84 | 94 | 99 | 90% | A+ | 92.4 |
| Travelers | 84 | 93 | 100 | 87% | A++ | 92.3 |
| State Farm | 84 | 93 | 95 | 87% | A++ | 91 |
| Farmers Insurance | 87 | 92 | 90 | 85% | A | 90.6 |
| Safeco Insurance | 85 | 91 | 87 | 86% | A | 88.4 |
| USAA | 71 | 93 | 98 | 87% | A++ | 88 |
| GEICO | 73 | 93 | 95 | 85% | A++ | 87.1 |
| Liberty Mutual | 72 | 91 | 97 | 83% | A | 86.4 |
| AAA Insurance | 85 | 85 | 88 | 86% | A | 85.8 |
| Allstate | 69 | 92 | 92 | 83% | A+ | 84.4 |
| American Family | 77 | 96 | 80 | 85% | A | 83.8 |
| Esurance | 70 | 80 | 89 | 77% | A+ | 79.2 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Discounts on Boston auto insurance rates
Car insurance companies that provide policies for teenage females may also provide policy discounts that could potentially reduce rates by 40% or more if you are eligible for them. Larger insurance companies and the discounts they provide are:
- The Hartford policyholders can earn discounts including anti-theft, bundle, vehicle fuel type, good student, driver training, and defensive driver.
- American Family offers premium reductions for multi-vehicle, air bags, mySafetyValet, Steer into Savings, TimeAway discount, good student, and bundled insurance.
- Progressive may have discounts that include online signing, multi-policy, continuous coverage, good student, and online quote discount.
- Travelers has discounts for multi-car, save driver, driver training, payment discounts, IntelliDrive, and new car.
- Farmers Insurance may offer discounts for early shopping, alternative fuel, bundle discounts, mature driver, multi-car, and youthful driver.
- USAA offers discounts for multi-vehicle, defensive driver, good student, new vehicle, and family discount.
- Liberty Mutual includes discounts for good student, multi-car, newly retired, preferred payment discount, new move discount, new vehicle discount, and teen driver discount.
The example below shows the difference between premium costs with and without discounts applied to the policy premium. The price estimates are based on a male driver, no tickets, no at-fault accidents, Massachusetts state minimum liability limits, full physical damage coverage, and $250 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with good student, anti-theft, vehicle safety, paperless filing, continuous coverage, and passive restraint discounts applied. When discounts are factored in, theamount saved on insurance for teenage females is 28% or $638.
If you have questions and prefer to have a professional recommendation when shopping around for cheaper insurance for teen girls, the insurance agencies below can probably provide answers to your questions and help you determine which auto insurance policy fits you best.
To find a Boston insurance agency close to you, click the button link following the list.
William J Higgins Insurance
45 L St – South Boston, MA 02127 – (617) 269-4040
Baltic Insurance Agency
597 E Broadway – South Boston, MA 02127 – (617) 268-6030
Kaplansky Insurance
114 Harvard St – Brookline, MA 02446 – (617) 738-5400
Sbhu Life Insurance Agency: Weinstein Keith
28 State St # 25 – Boston, MA 02109 – (617) 570-9519
Richard Soohoo Insurance
1148 Washington St – Boston, MA 02118 – (617) 338-8168
More Boston, MA insurance agents
How to find the cheapest insurance for teenage females
Here are some of the better penny-pinching suggestions that can help drivers get cheap auto insurance.
- Avoid preventable accidents
- Older vehicles may not need full coverage
- You will pay more if you get tickets or have at-fault accidents
- Vehicles with good safety ratings have lower liability rates
- Raise deductibles to save money
- Higher credit scores may earn you cheaper rates
- Compare price quotes at least once a year
That last tip is highly necessary, as we stressed in the article above. Coverage rates change frequently, so don’t be hesitant to switch companies if a more affordable rate is found. Many drivers have brand loyalty and that’s fine, but we do not recommend it if that devotion results in you overpaying several hundred dollars every year. If you have a few minutes, shop around and find cheaper car insurance for teenage females in Boston.