How Much is Auto Insurance for Teenage Females in Philadelphia?

The make and model of vehicle that is being insured is one of the largest factors when quoting the best cheap auto insurance for teenage females. Vehicles with lots of speed or power, poor crash test ratings, or a track record of large liability claims will cost substantially more to insure than safer, lower-performance models.

The next table presents car insurance costs for a handful of the cheaper vehicles to buy insurance for.

Above prices assume single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, and safe-driver. Rates do not factor in zip code location which can influence insurance rates significantly.

By looking at the data, you can expect models like the Honda Accord, Ford Escape, and Honda CR-V are likely to be some of the cheaper vehicles to insure for teen girls. Prices will trend higher because there is a higher risk for teenage females, but overall those particular vehicles will have the best rates possible.

Deciphering which company offers the cheapest insurance rates for teenage females requires a tad more effort in order to find the most economical policy. Each insurer uses their own formula for determining rates in each state, so let’s rank the insurance companies with the most affordable rates in Philadelphia.

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General Casualty quotes some of the lowest car insurance rates in Philadelphia at around $748 a year. Travelers, USAA, Erie, and Penn National would also be considered some of the cheaper Philadelphia, PA insurance companies.

In the rate table above, if you are currently insured with Travelers and switched to General Casualty, you might realize annual savings of upwards of $39. Insureds with USAA might save as much as $45 a year, and Erie policyholders might lower prices by up to $76 a year.

To see if your current coverage is too expensive, click here or quote rates from the companies below.

Be aware that those rates are averaged across all drivers and vehicles and do not take into consideration a specific vehicle garaging location for teenage females. So the auto insurance company that can offer you the best rate may not even be in the list above. That’s why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.

The diagram below highlights how deductible choice can impact insurance premiums when quoting cheap insurance for teenage females. The costs are based on a single female driver, full coverage, and no discounts are taken into consideration.

The data above shows that a 40-year-old driver could cut expenses by $260 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $394 by choosing a $1,000 deductible. Even younger drivers, like the 20-year-old example, could potentially save $662 every year by choosing larger deductibles on their policy. If you do make the decision to raise your deductibles, it will be important to have additional funds squirreled away to allow you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Best insurance company in Pennsylvania

Finding the best company can be challenging considering how many different insurance companies sell coverage in Pennsylvania. The company ratings listed below can help you analyze which car insurance providers to look at comparing rates with.

These ratings only include large, nationwide insurance companies, so companies without a large exposure are not included in these rankings. To get price quotes from these and other companies in Pennsylvania, click this link.

Top 10 Large Auto Insurance Companies Overall in Philadelphia

1. The General
2. Titan Insurance
3. The Hartford
4. Progressive
5. Travelers
6. State Farm
7. Farmers Insurance
8. Erie Insurance
9. Safeco Insurance
10. USAA

Full coverage or liability only

Saving money when shopping for insurance is probably important to the majority of drivers, and one of the quickest ways to reduce the cost of insurance for teenage females is to buy only liability coverage. The example below visualizes the comparison of insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Pennsylvania. Data assumes a clean driving record, no claims, $250 deductibles, marital status is single, and no discounts are taken into consideration.

As an average for all age groups, comp and collision coverage costs $1,731 per year more than just buying liability only. That is a significant amount which raises the question when is the right time to remove full coverage. There isn’t a written rule to stop paying for full coverage, but there is a general guideline you can use. If the yearly cost for physical damage coverage is more than 10% of replacement cost minus your deductible, then it might be time to buy liability only.

For example, let’s pretend your vehicle’s replacement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, you would only receive $6,000 after the policy deductible has been paid. If premiums are more than $600 a year for physical damage coverage, then you might want to think about dropping full coverage.