It’s hard to miss the captivating commercials from insurers like State Farm and Allstate that claim dirt cheap rates. So you should just choose one randomly, right?
Regrettably, it’s not quite that easy, as there are many unknown factors like if you have maintained coverage continuously, the area you live in, the safety features built into your vehicle, and if you have any driving citations. The information below covers some of these things and will hopefully give you a good start to your coverage search.
For teen girls, one of the largest components that determine the price you pay for insurance is where you keep your vehicle. Areas with more people or higher crime rates are more likely to have higher rates, whereas areas that tend to be more rural have the benefit of cheaper auto insurance prices.
The next table ranks the most costly cities in California for teenage females to buy car insurance in. Fresno is ranked at #16 with an annual cost of $1,472 for the average insured, which is about $123 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Glendale | $2,121 |
| 2 | Los Angeles | $2,104 |
| 3 | San Francisco | $1,763 |
| 4 | Oakland | $1,687 |
| 5 | Sacramento | $1,652 |
| 6 | Stockton | $1,603 |
| 7 | San Bernardino | $1,596 |
| 8 | Long Beach | $1,562 |
| 9 | Moreno Valley | $1,551 |
| 10 | Riverside | $1,542 |
| 11 | Fontana | $1,535 |
| 12 | Santa Clarita | $1,533 |
| 13 | Garden Grove | $1,508 |
| 14 | Modesto | $1,502 |
| 15 | Anaheim | $1,474 |
| 16 | Fresno | $1,472 |
| 17 | Santa Ana | $1,439 |
| 18 | San Jose | $1,437 |
| 19 | Huntington Beach | $1,402 |
| 20 | Fremont | $1,389 |
| 21 | Irvine | $1,384 |
| 22 | Bakersfield | $1,381 |
| 23 | Oxnard | $1,344 |
| 24 | San Diego | $1,327 |
| 25 | Chula Vista | $1,311 |
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Information shown are approximated as the vehicle garaging location can alter coverage rates significantly.
Establishing which companies offer the best car insurance rates for teenage females will require a tad more effort in order to find the lowest price.
Every car insurance company has their own process to set premium rates, so let’s rank the most affordable car insurance companies in California.
Best Auto Insurance Prices for Teens
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Wawanesa | $1,192 |
| 3 | CSAA | $1,198 |
| 4 | Nationwide | $1,226 |
| 5 | Century National | $1,226 |
| 6 | 21st Century | $1,379 |
| 7 | Mercury | $1,488 |
| 8 | Grange | $1,491 |
| 9 | Progressive | $1,512 |
| 10 | GEICO | $1,529 |
| 11 | Allied | $1,541 |
| 12 | Allstate | $1,559 |
| 13 | MetLife | $1,606 |
| 14 | The Hartford | $1,623 |
| 15 | State Farm | $1,699 |
| 16 | Unitrin | $1,733 |
| 17 | Esurance | $1,739 |
| 18 | Travelers | $1,806 |
| 19 | Bristol West | $1,849 |
| 20 | Farmers | $1,966 |
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USAA normally has some of the lowest car insurance rates in Fresno at around $1,121 per year. Wawanesa, CSAA, Nationwide, and Century National are also some of the cheapest Fresno, CA car insurance companies.
In the above example, if you currently have coverage with Nationwide and switched to Wawanesa, you could realize a yearly savings of upwards of $34. Insureds with Century National could save as much as $34 a year, and 21st Century policyholders might realize rate reductions of up to $187 a year.
To find the cheapest rates for your vehicle, click here or quote prices from the following companies.
Be aware that those premium estimates are averages for all drivers and vehicles in California and and are not figured with a specific zip code for teenage females. So the car insurance company that fits your age and vehicle best may not even be in the top 24 companies in the list above. That emphasizes why you need to quote rates from many companies using your own driver and vehicle profiles.
Selecting a high-quality insurer can be a challenge considering how many choices there are in Fresno. The information below may help you pick which car insurance companies to look at when buying insurance for teenage females.
The ratings below are only comprised of the largest companies in America, so companies without a large exposure are not taken into consideration for this list. To compare prices from these and other top-rated companies, follow this link.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
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Data Source: Insure.com Best Car Insurance Companies
Irresponsible driving raises your rates
The best way to maintain good car insurance prices in Fresno for teen girls is to drive attentively and avoid getting tickets or having accidents. The example below demonstrates how citations and at-fault accidents can influence insurance rates for each age group. The information is based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.
In the previous chart, the average cost of a car insurance policy in California per year with no accidents and a clean driving record is $2,354. Factor in two speeding tickets and the average cost surges to $3,138, an increase of $784 each year. Next add two accidents along with the two speeding tickets and the 12-month cost of car insurance for teenage females jumps again to an average of $6,439. That’s an increase of $4,085, or $340 per month, just for not driving responsibly!
The example below demonstrates how choosing different deductibles can raise or lower annual premium costs when quoting cheap insurance for teenage females. The data is based on a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
The data above shows that a 50-year-old driver could lower their car insurance rates by $428 a year by increasing from a $100 deductible to a $500 deductible, or save $648 by using a $1,000 deductible. Younger drivers, like the 20-year-old example, could save up to $1,434 or even more just by choosing higher deductibles.
When raising deductibles, it is necessary to have enough in a savings account to offset the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
Last year’s bargain might be this year’s rip off
Fresno, CA car insurance rates are influenced by many factors which can substantially change the cost of a policy. Simply having a birthday, buying a home instead of renting, or getting a couple of tickets may generate price changes resulting in some companies being cheaper than before.
In addition to those changes, auto insurance companies amend pricing without warning in order to be able to pay unexpected claims. Higher than normal claims can cause more expensive prices, while lower claim expenses can produce lower-cost Fresno car insurance rates.
To illustrate this point, the data below shows which company has the cheapest car insurance in Fresno, CA for a 40-year-old male driver with a clear driving record, no claims, and good financial standing. When comparing rates based on his current situation, USAA might offer the cheapest car insurance rates in Fresno at $1,252 each year. This is $399 less than the average policy premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are the remainder of the best Fresno, CA auto insurance companies.
In this next rate comparison, we will give the driver from the above example a claim or two, poor credit, and a stop sign violation. Since each auto insurer has a proprietary method for setting prices, comparing quotes will most likely result in a different list of the cheapest car insurance companies in Fresno as shown below.
Grange now has the best price on car insurance in Fresno, CA with Progressive, Mercury, GEICO, and Allstate now rounding out the top five. This illustrates why it is critical to perform a complete rate comparison when trying to find affordable car insurance rates for teenage females.
Rates are impacted by many things and change substantially, so the cheapest company six months ago may now be priced much higher than other options.
If you wish to get some professional advice when trying to find the best insurance rates for teenage females, the agents below can most likely provide answers to your questions and help you determine which policy fits your needs best. To find an auto insurance agency in your neighborhood, click the link after the list or click here to compare price quotes.
- Farmers Insurance: Israel Cortes
5446 N Palm Ave #105 – Fresno, CA 93704 – (559) 230-1300 - Danny Armenta – State Farm Insurance Agent
6105 E Kings Canyon Rd Ste 108 – Fresno, CA 93727 – (559) 453-1554 - Marc Bomarito – State Farm Insurance Agent
9497 N Fort Washington Rd Ste 101 – Fresno, CA 93730 – (559) 224-8660 - James G. Parker Insurance Associates
1753 E Fir Ave – Fresno, CA 93720 – (559) 222-7722