The words “cheap” and “insurance” probably shouldn’t be used together, in particular when comparison shopping for the cheapest coverage for teenage females. To help control this cost, let’s introduce you to some of the things that impact car insurance prices, and find a few ways to cut the cost of your next policy.
Figuring out which companies have the lowest-priced car insurance rates for teenage females involves a bit more effort in order to find the lowest price quote. Every car insurance company has a proprietary method for setting rates, so let’s examine the overall cheapest car insurance companies in Tampa.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $986 |
| 2 | Amica | $1,712 |
| 3 | Electric | $1,764 |
| 4 | Progressive | $1,775 |
| 5 | Travelers | $1,888 |
| 6 | Mercury | $1,914 |
| 7 | Allied | $2,004 |
| 8 | State Farm | $2,068 |
| 9 | Esurance | $2,082 |
| 10 | Auto-Owners | $2,085 |
| 11 | GEICO | $2,108 |
| 12 | Allstate | $2,388 |
| 13 | 21st Century | $2,469 |
| 14 | Windhaven Insurance | $2,549 |
| 15 | MetLife | $2,988 |
| 16 | Safeco | $3,016 |
| 17 | Hanover | $3,024 |
| 18 | Liberty Mutual | $3,101 |
| 19 | United Automobile | $3,527 |
| 20 | Direct General | $3,942 |
| Find Your Rate Go | ||
USAA quotes some of the cheapest car insurance rates in Tampa at around $986 each year. Amica, Electric, Progressive, and Travelers would also be considered some of the more affordable Tampa, FL insurance companies.
As shown in the rates above, if you are insured with Amica and switched to USAA, you might see an annual savings of about $726. Florida drivers with Electric could save as much as $778 a year, and Progressive customers might lower prices by up to $789 a year.
Remember that these policy rates are averages across all insureds and vehicles and do not factor in a specific vehicle garaging location for teenage females. So the car insurance company that has the lowest price for you may not even be in the list above. That point stresses why you need to quote rates from as many companies as possible using your own specific driver information and vehicle.
The vehicle requiring insurance is one of the largest factors when comparing quotes for the lowest-priced car insurance for teenage females. Vehicles with high performance engines, a lack of advanced safety features, or a track record of large liability claims will cost substantially more to insure than safer, lower-performance models.
The next list presents auto insurance rates for the cheaper vehicles to insure.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $1,911 |
| Ford Escape Limited 4WD | $2,075 |
| Toyota Prius | $2,119 |
| Ford F-150 XL Regular Cab 4WD | $2,147 |
| GMC Sierra SLE Regular Cab 2WD | $2,266 |
| Honda Accord LX-P 4-Dr Sedan | $2,345 |
| Honda CR-V EX-L 4WD | $2,401 |
| Chevrolet Silverado LS Regular Cab 4WD | $2,407 |
| Ford Fusion Sport 4-Dr Sedan | $2,426 |
| Chevrolet Equinox LTZ AWD | $2,435 |
| Nissan Rogue SL 2WD | $2,429 |
| Chevrolet Silverado 3500HD LT Crew Cab 2WD | $2,467 |
| Honda Civic SI 4-Dr Sedan | $2,502 |
| Volkswagen Jetta SE 2.5 Station Wagon | $2,561 |
| Hyundai Sonata Limited 4-Dr Sedan | $2,589 |
| Toyota Camry Hybrid | $2,598 |
| Dodge Grand Caravan Hero | $2,593 |
| Ford Explorer Limited 4WD | $2,643 |
| Chevrolet Malibu LT | $2,652 |
| Jeep Wrangler Unlimited Sahara 2WD 4-Dr | $2,684 |
| Dodge Ram 2500 Mega Cab SLT 2WD | $2,709 |
| Ford Focus S 4-Dr Sedan | $2,718 |
| Ford Edge Limited 2WD | $2,725 |
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Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Table data does not factor in vehicle garaging location which can revise premium rates greatly.
By looking at the data, models like the Hyundai Elantra, Ford Escape, Toyota Prius, Ford F-150, and GMC Sierra will be a few of the cheapest vehicles to insure for teen girls.
One of the many criteria that are looked at to determine car insurance rates is your address. Areas with high crime rates or more dense population tend to pay more, whereas areas with less crime or weather claims can boast about having cheaper rates.
The table below ranks the priciest cities in Florida for teenage females to purchase auto insurance in. Tampa comes in at #5 having an annual price of $2,636 for the average policy, which is around $220 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Hialeah | $3,595 |
| 2 | Miami Gardens | $3,277 |
| 3 | Miami | $3,241 |
| 4 | Miami Beach | $2,953 |
| 5 | Tampa | $2,636 |
| 6 | Miramar | $2,629 |
| 7 | Pompano Beach | $2,620 |
| 8 | Hollywood | $2,604 |
| 9 | West Palm Beach | $2,599 |
| 10 | Fort Lauderdale | $2,576 |
| 11 | Coral Springs | $2,549 |
| 12 | Davie | $2,448 |
| 13 | Pembroke Pines | $2,407 |
| 14 | Brandon | $2,298 |
| 15 | Clearwater | $2,238 |
| 16 | St. Petersburg | $2,219 |
| 17 | Spring Hill | $2,039 |
| 18 | Jacksonville | $2,020 |
| 19 | Orlando | $2,008 |
| 20 | Port St. Lucie | $1,994 |
| 21 | Cape Coral | $1,917 |
| 22 | Lakeland | $1,901 |
| 23 | Tallahassee | $1,748 |
| 24 | Palm Bay | $1,733 |
| 25 | Gainesville | $1,696 |
| Start a Quote Go | ||
Annual rates are approximated as the specific Tampa residence address can impact premium rates noticeably.
Insuring your vehicle with a high-quality company can be challenging considering how many companies sell insurance in Tampa. The company rank data shown below may help you analyze which auto insurers to look at when comparing auto insurance rates for teenage females.
The rankings below include major nationwide insurance companies, so companies that focus mainly on Florida business are not taken into consideration for the list. To get rate quotes from these top-rated insurers and more, follow this link.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Liability-only versus full coverage
Saving money when shopping for car insurance is important to the majority of people, and one of the fastest ways to buy cheap insurance for teenage females is to not insure for full coverage. The illustration below illustrates the comparison of car insurance rates with full coverage compared to only the Florida minimum liability coverage. The prices are based on a clean driving record, no claims, $1,000 deductibles, drivers are single, and no discounts are applied.
If we average all the age groups together, full coverage costs $1,747 per year over having just liability coverage. Many people question if buying full coverage is worth the expense. There is no set guideline for eliminating physical damage coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is 10% or more of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your vehicle’s replacement cost is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $5,000 after paying your deductible. If you are paying more than $500 annually for physical damage coverage, then it may be the right time to buy liability only.
There are a few situations where removing full coverage is not in your best interest. If you have an outstanding loan on your vehicle, you have to maintain full coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.
The insurance agencies below can aid you in deciding which coverages are best, as some drivers have questions and prefer to have some advice when trying to find lower insurance rates for teen girls. It can be challenging to find the cheapest auto insurance company, so getting advice from a licensed Florida insurance agent can give you satisfaction knowing your coverage gives you enough coverage when you need it.
To locate a Tampa insurance agent close to you, click the button link following the list.
- State Farm: Stan White
3204 Cove Bend Dr – Tampa, FL 33613 – (813) 971-1123 - Allstate Insurance: Paul H. Phaneuf
3641 W Kennedy Blvd F – Tampa, FL 33609 – (813) 353-0303 - L. Vega Insurance Agency
8019 N Himes Ave #100 – Tampa, FL 33614 – (813) 935-6629 - Ray Mathews – State Farm Insurance Agent
15271 Amberly Dr – Tampa, FL 33647 – (813) 978-1898 - Colucci Insurance
1441 E Fletcher Ave – Tampa, FL 33612 – (813) 972-1947
More Tampa, FL insurance agents
Tips for buying more affordable auto insurance for teenage females
Lowering your rates is not difficult, and here are a few penny-pinching suggestions that can help Tampa drivers find lower-cost coverage.
- Don’t waste money on full coverage for older vehicles
- Avoid at-fault accidents and claims
- Increase deductibles to save money
- Maintain a clean driving record
- Try to remain claim-free
- Shop around for cheaper rates regularly
That final tip is extremely crucial, as we noted in this write-up. Car insurance rates in Tampa change constantly, so drivers shouldn’t hesitate to switch to a new company if a lower-cost policy is available.
Having brand loyalty is commendable, but it isn’t a good idea if that loyalty ends up costing hundreds of dollars year after year. Take a few minutes and compare rates to find cheaper auto insurance for teenage females.