What Car Insurance is Cheapest for Teenage Females in Sacramento?

One of the many factors that aid in calculating the cost of insurance is where your residence is. Areas with high crime rates or more dense population tend to have more expensive auto insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower prices.

The next table shows the highest-priced places in California for teenage females to purchase auto insurance in. Sacramento ranks #5 costing $1,669 for car insurance, which is around $139 monthly.

How much is car insurance in Sacramento?
Rank City Annual Rate
1 Los Angeles $2,168
2 Glendale $2,142
3 Oakland $1,738
4 San Francisco $1,693
5 Sacramento $1,669
6 Stockton $1,603
7 San Bernardino $1,580
8 Garden Grove $1,570
9 Long Beach $1,562
10 Santa Clarita $1,548
11 Riverside $1,542
12 Moreno Valley $1,536
13 Modesto $1,532
14 Fontana $1,519
15 Santa Ana $1,483
16 Fresno $1,472
17 Anaheim $1,444
18 Fremont $1,403
19 San Jose $1,395
20 San Diego $1,381
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Price information shown is comparative as vehicle location can impact premiums significantly.

Finding out which companies quote the most affordable car insurance rates for teenage females may require a bit more work than just comparing rates from one or two companies.

Each auto insurance company uses their own calculation for setting rates, so let’s take a look at the overall cheapest car insurance companies in Sacramento, CA.

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Cheapest auto insurance in California ranked by cost per year
Rank Company Cost Per Year
1 Wawanesa $1,146
2 USAA $1,155
3 Century National $1,190
4 CSAA $1,234
5 Nationwide $1,250
6 21st Century $1,338
7 Grange $1,477
8 Allstate $1,497
9 Progressive $1,512
10 Mercury $1,533
11 Allied $1,541
12 GEICO $1,559
13 The Hartford $1,575
14 MetLife $1,654
15 Esurance $1,688
16 State Farm $1,699
17 Unitrin $1,733
18 Travelers $1,788
19 Bristol West $1,831
20 Farmers $2,026
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Wawanesa may have some of the lowest car insurance rates in Sacramento at around $1,146 a year. This is $505 less than the average rate paid by California drivers of $1,651. USAA, Century National, CSAA, and Nationwide also rank well as some of the more affordable Sacramento, CA car insurance companies.

As illustrated above, if you have coverage with Nationwide and switched to USAA, you might realize an annual premium reduction of around $95. Drivers with 21st Century might save as much as $183 a year, and Grange insureds might lower prices by $322 a year.

To find the cheapest coverage for you, click here or quote prices from the following companies.

It’s important to note that these policy rates are averaged across all ages of drivers and types of vehicles and do not take into consideration a vehicle location for teenage females. So the insurer that can offer you the lowest price may not even be in the top 24 companies shown above. That affirms the importance of why you need to compare rates from as many companies as possible using your own driver data and vehicle information.

Drive responsibly or pay higher rates

The ideal way to score the best car insurance prices for teen girls is to be a safe driver and not receive tickets or have accidents. The chart below demonstrates how citations and accident claims can impact insurance premiums for each different age group. The price estimates are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.

In the previous example, the average cost of auto insurance in California per year with no violations or accidents is $1,849. Factor in one speeding ticket and the average cost jumps to $2,088, an increase of $239 each year. Then add in two accidents along with the one speeding ticket and the yearly cost of car insurance for teenage females goes up to an average of $4,329. That’s an increase of $2,479, or $207 per month, just for not being more responsible behind the wheel!

Difference between full coverage and liability only rates

Reducing the cost of car insurance is the goal of most people, and one great way to save on the cost of insurance for teenage females is to buy liability only. The example below shows the difference between insurance prices when comparing full coverage to liability only. The costs are based on no claims or driving citations, $500 deductibles, marital status is single, and no additional discounts are factored in.

Averaged out for all age groups, full coverage on your policy costs an extra $2,772 per year over and above liability coverage. That raises the question if you should buy full coverage at all. There is no definitive guideline of when to stop paying for comprehensive and collision coverage on your policy, but there is a guideline you can use. If the yearly cost for physical damage coverage is 10% or more of replacement cost minus your deductible, then you may want to consider only buying liability coverage.

There are some scenarios where only buying liability is not advised. If you have an outstanding loan on your vehicle, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not drop full coverage.

How to find the cheapest insurance for teenage females

Here are some of the better thrifty solutions that can help Sacramento drivers get more affordable coverage.

The last tip in the list is especially critical, as was affirmed in the prior article. Coverage prices can be changed at any time, so don’t be tentative to buy a different policy if a better deal can be had.

Many drivers tend to have loyalty to a certain company, but we do not recommend it if that dedication is costing hundreds every year. Spend a few minutes and shop around and find cheaper car insurance for teenage females in Sacramento.

The agencies below are willing to help you decide which auto insurance policy would work best for you, as some drivers have questions and prefer to get some guidance when shopping for the best coverage for teenage females. It can be challenging to find the best coverage on your own, and getting professional guidance from a licensed agent can give you satisfaction knowing you have decent coverage if you have a claim. To find an agent nearest to you, click the link after the list or click here to get price quotes now.

Ancal Insurance Agency
2641 Cottage Way #2Sacramento, CA 95825(916) 485-5410

Nationwide Insurance: Ham Insurance Agency Inc
2210 Del Paso Rd eSacramento, CA 95834(916) 419-8228

Nationwide Insurance: Welcome Financial Inc
1102 Jefferson Blvd cWest Sacramento, CA 95691(916) 231-3558

Timothy Aust – State Farm Insurance Agent
2710 Arden WaySacramento, CA 95825(916) 482-5328

More insurance agents in Sacramento, CA