Who Has the Cheapest Auto Insurance Rates for Teenage Females in Arlington?

Finding dependable, affordable car insurance is not always easy, and finding out which companies have the cheapest car insurance rates for teenage females may require additional perseverance.

Each auto insurance company uses slightly different criteria for determining rates in each state, so let’s take a look at the most affordable car insurance companies in Arlington, TX. It’s important to understand that Texas car insurance rates are calculated based on many things that may substantially change the price you pay for coverage. Things like getting older, adding a teenager to your policy, or having an accident can trigger price changes that may make certain companies much cheaper than others.

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Texas car insurance ranked by cost per year
Rank Company Cost Per Year
1 Travelers $1,021
2 USAA $1,117
3 Texas Farm Bureau $1,247
4 Germania Mutual $1,256
5 Esurance $1,379
6 California Casualty $1,438
7 Mercury $1,506
8 State Farm $1,510
9 Nationwide $1,553
10 Safe Auto $1,597
11 Allstate $1,650
12 Progressive $1,698
13 Amica $1,705
14 Home State $2,134
15 GEICO $2,156
16 Encompass $2,232
17 MetLife $2,249
18 Unitrin $2,310
19 21st Century $2,469
20 Titan $2,672
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Travelers quotes some of the cheapest car insurance rates in Arlington at around $1,021 a year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also qualify as some of the more affordable Arlington, TX auto insurance companies.

As depicted above, if you currently buy coverage from Germania Mutual and switched to USAA, you might realize a yearly price reduction of about $139. Policyholders with Esurance could save as much as $262 a year, and California Casualty policyholders might reduce prices by as much as $321 a year.

Understand that those policy rates are averaged across all ages of drivers and types of vehicles and and are not figured with an exact zip code location for teenage females. So the auto insurance company that fits your age and vehicle best may not even be in the top 23 companies shown above. That underscores the importance of why you need to get quotes using your own personal information and vehicle type.

The vehicle model you are trying to insure is probably the biggest factor that determines if you can find affordable coverage for teenage females. Vehicles with economical engines, modern passenger safety features, or a track record of few liability claims will cost quite a bit less to insure than higher performance models.

The list below showcases insurance costs for a number of the more affordable automobiles to buy coverage for.

Cheapest Vehicles to Insure in Arlington, TX
Make and Model Estimated Cost for Full Coverage
Hyundai Elantra GLS Touring Station Wagon $4,013
Ford Escape XLT 2WD $4,020
Honda CR-V EX-L 4WD $4,050
Toyota Prius $4,330
Ford Explorer XLT 4WD $4,517
Dodge Grand Caravan CV $4,526
Ford Edge SEL 2WD $4,725
Toyota RAV4 Sport 4WD $4,761
Chevrolet Equinox LT AWD $4,771
Volkswagen Jetta LE 4-Dr Sedan $4,761
Toyota Tacoma Double Cab 4WD $4,769
Nissan Altima 2.5 4-Dr Sedan $4,761
Jeep Grand Cherokee Laredo 2WD $4,766
Chevrolet Impala LT $4,761
Chevrolet Malibu LS $4,768
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Price data assumes single female driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, and claim-free. Rates do not factor in your specific Arlington, TX location which can raise or lower prices considerably.

Based upon the table data, we can assume that vehicles like the Hyundai Elantra, Ford Escape, Honda CR-V, Toyota Prius, and Ford Explorer will definitely be some of the cheapest vehicles to insure for teen girls. The price of auto insurance will be more costly just due to the fact that there is more risk for teenage females, but generally speaking those particular vehicles will tend to have the cheapest auto insurance rates compared to other vehicles.

Buying coverage from the best car insurance provider is difficult considering how many choices you have in Arlington. The ranking data listed below could help you analyze which providers you want to consider purchasing from. These ratings are only comprised of companies with a national presence, so companies that may only write in Texas are not taken into consideration for these rankings.

Best Ten Car Insurance Companies for Teenage Females in Texas
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
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Data Source: Insure.com Best Car Insurance Companies

The diagram below demonstrates how deductible levels can change premium costs when searching for cheap insurance for teenage females. The rates are based on a single male driver, full coverage, and no discounts are applied to the premium.

As shown above, a 30-year-old driver could lower their policy premium by $352 a year by increasing from a $100 deductible up to a $500 deductible, or save $530 by using a $1,000 deductible. Even younger drivers, like the Age 20 chart data, could drop their prices up to $1,026 annually by choosing a higher deductible.

If you make the decision to raise deductibles, it is a good idea to have plenty of discretionary funds to allow you to cover the extra out-of-pocket expense, which deters some people from using high deductibles.

Should you buy full coverage?

Lowering the price of car insurance is the goal of the majority of people, and one good way to buy cheaper insurance for teenage females is to only buy liability insurance. The illustration below illustrates the comparison of car insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Texas. The costs are based on a clean driving record, no claims, $100 deductibles, marital status is single, and no discounts are taken into consideration.

Averaged for all age groups, physical damage insurance costs $2,181 per year over liability only. That brings up the question if paying for full coverage is worth it. There isn’t a written rule of when to drop full coverage, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than 10% of replacement cost minus your deductible, then you may want to consider only buying liability coverage.

For example, let’s say your vehicle’s replacement cost is $6,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $5,000 after the deductible is paid. If premiums are more than $500 a year for full coverage, then you might want to think about dropping full coverage.

There are a few situations where buying only liability insurance is not a good idea. If you still owe a portion of the original loan, you have to carry full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.