Who Has Cheap Car Insurance for Teenage Females in Fort Worth?

The words “low-priced” and “insurance” really shouldn’t be used in the same sentence, in particular when comparison shopping for the best coverage prices for teenage females. To save some money, let’s open your eyes to some of the factors that help determine auto insurance rates, and find a few ways to cut the cost of the next policy you buy.

Finding good, low-priced car insurance is not always easy, and deciding which company has the most affordable auto insurance rates for teenage females will involve even more diligence. Each auto insurer has a proprietary method for determining rates, so let’s begin by examining the auto insurance companies that tend to be cheaper in Fort Worth, TX.

Cheapest Insurance Rates for Teens

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Travelers normally has some of the lowest car insurance rates in Fort Worth at around $1,010 per year. This is $894 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty would also make the list of some of the cheapest Fort Worth, TX insurance companies.

As the example above demonstrates, if you currently buy coverage from Germania Mutual and switched to Travelers, you might achieve savings of around $284. Insureds with California Casualty might save as much as $386 a year, and Esurance insureds might cut rates by $411 a year.

To find out how your current rates compare, click here to begin a quote or click several companies below for low rates.

It’s important to note that these estimates are averages across all types of drivers and the different vehicles they drive and and are not figured with a specific zip code for teenage females. So the insurer that is most affordable for your situation may not even be in the top 23 companies in the list above. That helps illustrate why you need to get quotes using your own personalized driver profile and vehicle information.

One of the more important things that are looked at to help calculate auto insurance rates is where you call home in Fort Worth. Cities with more crime and/or more people tend to have higher auto insurance costs, whereas less populated areas have the enjoyment of a little cheaper coverage.

The next table lists the highest-priced places in Texas for teenage females in which to buy car insurance. Fort Worth comes in at #16 with an annual rate of $1,670 for the average policyholder, which is approximately $139 monthly.

Information shown are approximated as specific Fort Worth zip code can affect premiums significantly.

The vehicle model needing coverage is a large consideration when shopping around for the best cheap car insurance for teenage females. Vehicles with reasonable performance levels, good crash test ratings, or a low likelihood of liability claims will cost less to insure than adrenaline junky models.

The table below illustrates car insurance costs for a selection of the cheaper automobiles to buy insurance for.

Data based on single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, and safe-driver. Price information does not factor in vehicle location which can change rates significantly.

Based upon the rates shown, we can infer that cars like the Ford Escape, Honda CR-V, Volkswagen Jetta, and Toyota Prius are going to be the cheapest vehicles to insure for teen girls. Car insurance rates will be more expensive just because there is a higher risk for teenage females, but overall those models will have the cheapest rates that you are likely to find.

The chart below illustrates how choosing a deductible can increase or decrease insurance premiums when getting quotes for cheap insurance for teenage females. Data assumes a single male driver, comprehensive and collision coverage, and no policy discounts are applied.

The chart above illustrates that a 30-year-old driver could reduce rates by $476 a year by changing from a $100 deductible to a $500 deductible, or save $716 by changing to a $1,000 deductible. Young drivers, like the 20-year-old example, have the ability to save up to $1,414 each year by choosing larger deductibles on their policy.

When using a larger deductible, it is necessary to have plenty of savings on hand to offset the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Discount Fort Worth car insurance rates

Insurers that provide coverage for teenage females may also provide premium discounts that can reduce rates by as much as 30% if you are eligible for them. A list of companies and some of the premium reductions they offer are:

• State Farm has discounts for Steer Clear safe driver discount, multiple policy, passive restraint, Drive Safe & Save, and defensive driving training.
• Nationwide may include discounts for family plan, defensive driving, good student, Farm Bureau membership, business or organization, and accident-free.
• GEICO includes discounts for five-year accident-free, multi-vehicle, military active duty, daytime running lights, good student, and defensive driver.
• AAA offers discounts including good student, AAA membership discount, anti-theft, multi-car, multi-policy, and good driver.
• 21st Century may have discounts that include theft prevention, 55 and older, air bags, automatic seat belts, homeowners, student driver, and driver training.
• The Hartford offers discounts for air bag, vehicle fuel type, bundle, driver training, and good student.

The illustration below shows the comparison of car insurance rates with and without some available policy discounts. The data assumes a male driver, no tickets, no at-fault accidents, Texas state minimum liability limits, full coverage, and $250 deductibles.

The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with good student, passive restraint, continuous coverage, anti-theft, paid-in-full, and vehicle safety discounts applied. When drivers qualify for the discounts, the average savings per year on auto insurance for teenage females is 28% or $957.

Buying coverage from the highest-rated company can be challenging considering how many choices drivers have in Fort Worth. The ranking information shown below could help you decide which car insurance providers to look at shopping prices with.

The ratings below are for large insurance companies, so companies without a large exposure are not included in this list. If you wish to compare rates from the most competitive companies in Texas, simply click here.

Top 10 Large Car Insurance Companies in Fort Worth Ranked by Value

1. Mercury Insurance
2. Travelers
3. American Family
4. AAA Insurance
5. Safeco Insurance
6. Progressive
7. The Hartford
8. The General
9. 21st Century
10. Esurance

Top 10 Large Car Insurance Companies in Fort Worth Ranked by Customer Service

1. USAA
2. Travelers
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Safeco Insurance
7. Progressive
8. State Farm
9. The Hartford
10. The General