The type of vehicle you are insuring is probably the most important factor when comparing quotes for low-priced insurance for teenage females. Vehicles with high performance, poor safety features, or a track record of large liability claims will cost more to insure than more modest models.
The data below ranks auto insurance premiums for a handful of the most budget-friendly vehicles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $7,904 |
| Ford Escape Limited 4WD | $8,482 |
| Toyota Prius | $8,558 |
| Ford Explorer Eddie Bauer 2WD | $8,877 |
| Ford F-150 XL Super Cab 4WD | $8,882 |
| Volkswagen Jetta 2.0T Station Wagon | $9,056 |
| Toyota Camry LE | $9,378 |
| Dodge Grand Caravan Hero | $9,387 |
| Toyota RAV4 Sport 2WD | $9,378 |
| Chevrolet Equinox LT 2WD | $9,384 |
| Toyota Tacoma Double Cab 4WD | $9,378 |
| Hyundai Elantra Blue 4-Dr Sedan | $9,800 |
| Honda Civic LX 4-Dr Sedan | $9,807 |
| Ford Edge Sport AWD | $9,876 |
| Chevrolet Impala LTZ | $9,882 |
| Toyota Corolla XLE | $9,876 |
| Honda Odyssey Touring | $9,953 |
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Cost estimates assume single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Louisiana minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium costs do not factor in specific location information which can increase or decrease coverage prices noticeably.
Based on these rates, you can presume that models like the Honda CR-V, Ford Escape, and Toyota Prius should be the cheaper vehicles to insure for teen girls. The price for car insurance will be higher anyway just because there is a higher risk for teenage females, but in general those models will have the lowest insurance rates possible.
One of the many considerations that help determine car insurance rates is where you live in New Orleans. More densely populated places will most likely have higher rates, whereas areas with lower crime rates and fewer weather claims tend to receive slightly lower rates.
The information below ranks the most expensive areas in Louisiana for teenage females in which to buy car insurance. New Orleans comes in at #1 with an annual cost of $2,856 for the average policy, which is approximately $238 each month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | New Orleans | $2,856 |
| 2 | Harvey | $2,563 |
| 3 | Marrero | $2,544 |
| 4 | Terrytown | $2,455 |
| 5 | Metairie | $2,166 |
| 6 | Baton Rouge | $2,165 |
| 7 | Kenner | $2,159 |
| 8 | Central | $2,135 |
| 9 | Shenandoah | $2,118 |
| 10 | Hammond | $2,107 |
| 11 | Prairieville | $2,105 |
| 12 | Alexandria | $2,054 |
| 13 | Laplace | $2,051 |
| 14 | Slidell | $1,977 |
| 15 | Lafayette | $1,936 |
| 16 | Lake Charles | $1,934 |
| 17 | New Iberia | $1,928 |
| 18 | Monroe | $1,911 |
| 19 | Sulphur | $1,896 |
| 20 | Houma | $1,846 |
| 21 | Shreveport | $1,838 |
| 22 | Bayou Cane | $1,818 |
| 23 | Natchitoches | $1,763 |
| 24 | Bossier City | $1,727 |
| 25 | Ruston | $1,720 |
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Price information shown is estimated as the specific garaging location can lower or raise coverage rates greatly.
Finding dependable, affordable insurance is not the easiest thing to accomplish, and finding out which companies quote the cheapest auto insurance rates for teenage females may require even more work.
Each company uses different criteria for establishing rates, so to begin we’ll rank the lowest cost auto insurance companies in New Orleans, LA. It’s important to understand that New Orleans auto insurance rates are influenced by many factors that control the price of your policy. Events like a birthday, buying a different home, or getting a driving violation may generate price changes resulting in some rates now being cheaper than competitors.
Best Cheap Insurance Rates for Teens
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,578 |
| 2 | GEICO | $1,907 |
| 3 | MetLife | $1,910 |
| 4 | Progressive | $1,986 |
| 5 | Safeway | $2,154 |
| 6 | Southern Farm Bureau | $2,204 |
| 7 | California Casualty | $2,246 |
| 8 | State Farm | $2,431 |
| 9 | Safe Auto | $2,575 |
| 10 | Allstate | $3,065 |
| 11 | Encompass | $3,266 |
| 12 | Liberty Mutual | $3,645 |
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USAA generally has some of the most affordable car insurance rates in New Orleans at around $1,578 each year. GEICO, MetLife, Progressive, and Safeway also make the cut as some of the best New Orleans, LA auto insurance companies.
In the rate table above, if you are insured with Safeway and switched to GEICO, you might realize an annual savings of roughly $247. Drivers with Southern Farm Bureau might save as much as $297 a year, and California Casualty policyholders might realize rate reductions of up to $339 a year.
Be aware that those premiums are averaged across all drivers and vehicles in Louisiana and do not take into consideration an exact zip code location for teenage females. So the insurer that can offer you the best price may not even be in the top 12 companies shown above. That is why you need to compare rates from multiple companies using your own specific driver information and vehicle.
Safe drivers pay less for auto insurance
The common sense way to receive affordable auto insurance premiums for teen girls is to drive attentively and avoid getting tickets or having accidents. The information below shows how speeding tickets and fender-benders can increase insurance costs for different age groups of insureds. The data is based on a single male driver, full coverage, $250 deductibles, and no policy discounts are applied.
In the chart above, the average cost of an auto insurance policy in New Orleans per year with a clean driving record and no accidents is $2,433. Get written up for one speeding ticket and the average cost hikes up to $2,740, an increase of $307 each year. Now get two accidents along with the one speeding ticket and the 12-month cost of auto insurance for teenage females jumps again to an average of $5,406. That’s an increase of $2,973, or $248 per month, just for being a careless driver!
The information below illustrates how choosing a deductible can raise or lower insurance costs when getting quotes for cheap insurance for teenage females. The data is based on a married male driver, comp and collision included, and no discounts are applied to the premium.
A 50-year-old driver could lower their car insurance rates by $440 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $660 by switching to a $1,000 deductible. Even younger insureds, like the 20-year-old category, could reduce their rates $1,472 every year by choosing a higher deductible.
When increasing deductibles, it is essential to have enough spare savings to allow you to cover the extra out-of-pocket expense associated with higher deductibles.
Don’t make the mistake of not shopping around
New Orleans auto insurance rates are impacted by many factors which can substantially change the price you have to pay. Improving your credit rating, buying a different home, or getting caught speeding may cause policy rate changes that can cause some rates to be cheaper than competitors. Not only that, but auto insurance companies file new Louisiana auto insurance rates multiple times each year to adjust for unexpected claims or profits. Larger than normal claims may result in more expensive prices, while profitable underwriting can result in lower-cost New Orleans car insurance rates.
The data below shows rates for the cheapest car insurance in New Orleans, LA for a 30-year-old male driver with a clear driving record, no claims, and a good credit rating. When quoting prices based on his current rating profile, USAA has the best car insurance rates in New Orleans at $2,620 per year. This is $206 more than the average price paid by Louisiana drivers of $2,414. GEICO, MetLife, Progressive, and Safeway are the remaining cheapest New Orleans, LA auto insurance companies.
The example below compares rates after we give the driver from the above example an accident surcharge, a lower credit score, and a traffic ticket or two. Since each auto insurance company has their own unique process to set policy rates, comparing rates could now result in a different ranking of the cheapest New Orleans car insurance companies as shown below.
California Casualty now has the cheapest rate in New Orleans, LA with USAA, State Farm, MetLife, and Safe Auto now rounding out the top five. This example demonstrates why it is crucial to spend some time comparing rates to get cheap car insurance rates for teenage females. Auto insurance prices are made up of many things and change dramatically, so the most economical option the last time you checked may now be priced much higher than other options.