Wouldn’t it be easy if you could just know one specific company that has the best deal on coverage for teenage females? It’s just not that simple, as there are many unknowns like your age, whether or not you have had gaps between policies, and if you want the added protection of full coverage. The content below will cover the best ways to shop for cheaper coverage and should give you a good start to your coverage search.
The type of vehicle to be insured is probably the biggest factor when comparing the best cheap insurance for teenage females. Vehicles with higher performance characteristics, a lack of safety features, or a track record of large liability claims will cost much more to insure than safer models.
The next list features auto insurance prices for some of the most cost-effective vehicles to insure in Ohio.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 2WD | $4,953 |
| Honda Accord EX 4-Dr Sedan | $4,963 |
| Honda CR-V EX-L 4WD | $4,996 |
| Volkswagen Jetta S 2.5 Station Wagon | $5,297 |
| Toyota Prius | $5,343 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $5,528 |
| Ford Explorer XLT AWD | $5,571 |
| Ford Focus SE 4-Dr Sedan | $5,829 |
| Ford Edge SE AWD | $5,839 |
| Chevrolet Impala LT | $5,872 |
| Toyota RAV4 Limited 4WD | $5,880 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $5,918 |
| Chevrolet Malibu LT | $5,927 |
| Dodge Grand Caravan SXT | $5,918 |
| Ford F-150 SVT Raptor Super Cab 4WD | $5,925 |
| Honda Civic LX 4-Dr Sedan | $6,131 |
| Toyota Camry SE | $6,174 |
| Hyundai Elantra GLS 4-Dr Sedan | $6,180 |
| Toyota Corolla XLE | $6,174 |
| Honda Odyssey EX-L W/Navigation | $6,180 |
| Start a Quote Go | |
Data rating is based on single female driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium amounts do not factor in specific Cleveland, OH garaging location which can modify premium rates significantly.
Looking at the rates, you can expect vehicles like the Ford Escape, Honda Accord, and Honda CR-V are a few of the cheaper vehicles to insure for teen girls. The price for an auto insurance policy will trend higher because of the fact that there is more inherent risk for teenage females, but in general those models will probably have the lowest insurance prices compared to other vehicles.
For teen girls, one of the big factors that are used to help calculate auto insurance rates is where you live in Cleveland. Cities with larger populations likely pay more, whereas areas that tend to be more rural have the benefit of cheaper auto insurance prices.
The next table ranks the highest-priced places in Ohio for teenage females to buy auto insurance in. Cleveland comes in at #4 with an annual cost of $1,222 for the average policyholder, which is around $102 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Toledo | $1,279 |
| 2 | Youngstown | $1,247 |
| 3 | Columbus | $1,247 |
| 4 | Cleveland | $1,222 |
| 5 | Cincinnati | $1,210 |
| 6 | Cleveland Heights | $1,178 |
| 7 | Dayton | $1,154 |
| 8 | Hamilton | $1,146 |
| 9 | Euclid | $1,129 |
| 10 | Akron | $1,123 |
| 11 | Fairfield | $1,085 |
| 12 | Springfield | $1,072 |
| 13 | Canton | $1,069 |
| 14 | Newark | $1,063 |
| 15 | Lakewood | $1,063 |
| 16 | Beavercreek | $1,058 |
| 17 | Middletown | $1,055 |
| 18 | Kettering | $1,051 |
| 19 | Strongsville | $1,011 |
| 20 | Cuyahoga Falls | $1,007 |
| Compare Prices Now Go | ||
Rates are estimated as the specific geographic location can increase or decrease price quotes greatly.
Finding good, cheap auto insurance is not always easy, and determining which companies offer the best auto insurance rates for teenage females requires a bit more work. Each insurance company has a unique approach to determine premium rates, so to begin we’ll rank the lowest cost auto insurance companies in Cleveland, OH.
We do need to point out that Ohio auto insurance rates are impacted by many factors that control the price of your policy. That is why it is so important to compare rates when trying to get affordable car insurance quotes for teenage females. Insurance prices can be altered by many things and change frequently, so the best company the last time you shopped around may now be an over-priced policy.
Find Cheaper Auto Insurance for Teens
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Utica National | $654 |
| 2 | Erie | $687 |
| 3 | Allied | $697 |
| 4 | Frankenmuth | $701 |
| 5 | Travelers | $705 |
| 6 | USAA | $733 |
| 7 | Merchants Insurance Group | $748 |
| 8 | Cincinnati Insurance | $779 |
| 9 | Motorists Mutual | $800 |
| 10 | Grange Mutual | $836 |
| 11 | General Casualty | $837 |
| 12 | Central Mutual | $840 |
| 13 | Hastings Mutual | $858 |
| 14 | State Farm | $867 |
| 15 | Atlantic States | $913 |
| 16 | Westfield | $946 |
| 17 | Western Reserve | $961 |
| 18 | Progressive | $991 |
| 19 | Farmers | $995 |
| 20 | Auto-Owners | $998 |
| View More Rates Go | ||
Utica National generally has some of the lowest car insurance rates in Cleveland at around $654 a year. This is $386 less than the average policy premium paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and Travelers would also make the list of some of the most economical Cleveland, OH car insurance companies.
As the rates illustrate above, if you currently have coverage with Frankenmuth and switched to Erie, you may see annual savings of roughly $14. Insureds with Travelers might save as much as $18 a year, and USAA customers might cut rates by $46 a year.
These policy prices are averaged across all drivers and vehicles and and are not calculated with an exact vehicle garaging location for teenage females. So the auto insurance company that can offer the best rates for your situation may not even be in the list above. That is why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.
The chart below highlights how deductible selection can raise or lower annual premium costs when trying to find cheap insurance for teenage females. The premium estimates are based on a married male driver, full coverage, and no policy discounts are applied.
A 30-year-old driver could lower their car insurance rates by $208 a year by switching from a $100 deductible to a $500 deductible, or save $316 by changing to a $1,000 deductible. Youthful drivers, such as the 20-year-old example, can save $630 or more by choosing a higher deductible.
If you do make the decision to raise your deductibles, it will be necessary to have enough spare savings to satisfy the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
Discounts on Cleveland auto insurance rates
Car insurance companies that offer quotes for teenage females could also offer premium discounts that can reduce rates by as much as 40% or more if you meet specific eligibility requirements. Popular auto insurance companies and some of their more popular discounts are included below.
- State Farm has discounts for passive restraint, Drive Safe & Save, Steer Clear safe driver discount, driver’s education, good student, multiple policy, and safe vehicle.
- GEICO includes discounts for good student, membership and employees, anti-lock brakes, multi-vehicle, anti-theft, emergency military deployment, and military active duty.
- Liberty Mutual may have discounts that include new graduate, new move discount, multi-policy, newly retired, good student, and exclusive group savings.
- The Hartford offers premium reductions for driver training, vehicle fuel type, defensive driver, anti-theft, and air bag.
- MetLife discounts include multi-policy, good student, accident-free, good driver, defensive driver, claim-free
- Progressive offers discounts including online quote discount, multi-policy, homeowner, good student, online signing, and continuous coverage.
The information below illustrates the comparison of auto insurance costs with and without discounts applied. The rates are based on a male driver, no claims, a clean driving record, Ohio state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with paid-in-full, vehicle safety, good student, passive restraint, continuous coverage, and anti-theft discounts applied. When these discounts are applied, theamount saved on auto insurance for teenage females is 28% or $433.
Compare rates to save
Cleveland, OH auto insurance rates are calculated based on many things that control the policy price. Simply turning a year older, having a teenage driver, or getting a speeding ticket may cause policy rate changes that can make some companies cheaper than competitors.
Not only may your situation change, but insurance companies change the rates they charge in Ohio multiple times each year in order to offset underwriting gains or losses. Higher than normal claim frequency or severity can cause higher priced premiums, while long-term profits may cause lower-cost Cleveland car insurance rates.
To illustrate this point, the chart below shows rates for the cheapest car insurance in Cleveland, OH for a 40-year-old male driver with no accidents, a clean driving record, and good credit. If we compare prices based on his personal profile, Utica National has the cheapest car insurance rates in Cleveland at $820 a year. This is $220 less than the average rate paid by Ohio drivers of $1,040. Erie, Frankenmuth, Allied, and Travelers are the rest of the top five cheapest Cleveland, OH auto insurance companies.
The example below compares rates after we give the driver from the above example a couple of claims, a little lower credit rating, and a speeding citation. Because every insurance company has a unique approach to set premium rates, analyzing rates could now result in a different set of affordable companies as shown below.
Merchants Insurance Group now has the cheapest auto insurance in Cleveland, OH with Cincinnati Insurance, General Casualty, Grange Mutual, and Motorists Mutual also being competitive. This example demonstrates why it is so important to compare as many rates as possible to get the best car insurance quotes for teenage females.
Rates are influenced by many factors and change frequently, so the best option the last time you checked may now be costing you a lot of money.
How to find more affordable insurance for teenage females
Below you’ll find some of the recommended thrifty solutions that can help Ohio drivers get cheaper car insurance.
- Drive safe vehicles
- Avoid accidents and claims
- Home or renters coverage can save on auto insurance
- Discounts for being claim-free can be substantial
- Be a safe driver
- Comparison shop frequently
The final tip is notably significant, as was noted in the prior information. Insurance prices in Cleveland adjust frequently, so don’t be tentative to buy a different policy if a cheaper price is available.
Brand loyalty is great, but it’s not a great idea if your bullheadedness ends up costing you a lot of money every month. In less than five minutes you could compare rates to find cheaper insurance for teenage females.