Cheap Auto Insurance for Teenage Females in Washington

Cheap Auto Insurance for Teenage Females in Washington

Wouldn’t it be easy if you could know instantly the single best company in Washington that has the most affordable coverage for teenage females? Unfortunately, it’s not that simple as there are a whole slew of unknowns such as whether you commute to work, whether you are male or female, if you want full coverage included, and whether or not you are married, that all impact the cost of your policy. We are going to cover some of these things and hopefully give you enough understanding to have a good beginning to your search for cheaper coverage.

Determining which company quotes the most affordable car insurance rates for teenage females takes a little more sweat than just comparing rates from one or two companies. Every insurance provider uses their own formula to set premium rates, so let’s look at the rankings for the car insurance companies with the overall best prices in Washington.

It’s important that readers know that Washington car insurance rates are calculated based on many things that can increase the cost of coverage. Improving your credit score, moving across town, or getting a ticket for running a stop sign can trigger rate changes that can now make some companies more affordable than others.

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Washington car insurance ranked by cost per year
Rank Company Cost Per Year
1 Capital $777
2 Grange $813
3 Nationwide $952
4 PEMCO $974
5 Travelers $998
6 Mutual Enumclaw $1,023
7 USAA $1,060
8 Chubb $1,083
9 California Casualty $1,083
10 The Hartford $1,090
11 Allied $1,142
12 State Farm $1,176
13 Safeco $1,192
14 American Family $1,208
15 Amica $1,219
16 Liberty Mutual $1,296
17 Farmers $1,355
18 Progressive $1,480
19 National General $1,525
20 MetLife $1,647
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Capital generally has some of the cheapest car insurance rates in Washington at around $777 a year. Grange, Nationwide, PEMCO, and Travelers would also be considered some of the cheapest Washington car insurance companies.

As shown above, if you are a policyholder with Grange and switched to Capital, you may realize a yearly savings of around $36. Customers with Nationwide could save as much as $175 a year, and PEMCO insureds might see rate reductions of $197 a year.

To compare your rates to other Washington insurance companies, click here to start your custom quote or quote prices from the following companies.

Remember that these premiums are averages for all types of insureds and vehicles and and are not calculated with a rate increase for teenage females. So the car insurance company that is best for you may not even be featured in the list of companies above. That emphasizes why you need to compare prices as often as possible using your own driver and vehicle profiles.

For teen girls, one of the big factors that impact a rate quote is where your residence is. Areas that are more densely populated like Lakewood, Seattle, and Tacoma tend to have higher auto insurance costs, whereas areas with less traffic congestion and claims generally have lower rates.

The table below shows the most expensive areas in Washington for teenage females to purchase car insurance in.

Where does Washington rank for car insurance cost?
Rank City Average Per Year
1 Lakewood $1,434
2 Auburn $1,422
3 Seattle $1,405
4 Kent $1,391
5 Tacoma $1,385
6 Federal Way $1,379
7 Renton $1,361
8 Shoreline $1,312
9 South Hill $1,300
10 Everett $1,288
11 Marysville $1,258
12 Redmond $1,251
13 Bellevue $1,206
14 Kirkland $1,195
15 Sammamish $1,184
16 Vancouver $1,157
17 Spokane Valley $1,098
18 Lacey $1,078
19 Olympia $1,072
20 Spokane $1,071
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Prices are comparative as the specific garaging location can alter auto insurance rates substantially.

Comparison of full coverage and liability-only policies

Finding cheap auto insurance for teenage females in Washington is the goal of the majority of drivers, and one way to pay lower rates for insurance is to buy only liability coverage. The illustration below illustrates the difference between insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data is based on no claims or violations, $1,000 deductibles, single status, and no policy discounts are applied.

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If we average the cost for ages 20 through 70, physical damage insurance costs an extra $1,242 per year more than carrying just liability coverage. That is a big expense that brings up the question when is the right time to remove full coverage. There is no exact rule to stop paying for physical damage coverage on your policy, but there is a general school of thought. If the annual cost of having full coverage is more than around 10% of the replacement cost minus the deductible, then you might consider buying liability only.

Progressive, State Farm, Geico, and Allstate: Who is cheapest?

If you are looking for the best car insurance for teen girls, the top insurers to get price quotes from are Progressive, State Farm, Geico, and Allstate. When combined, they make up 48.5% of the entire U.S. market share. The table below compares pricing and service ratings, as well as optional policy coverages that are available for buyers.

Comparison of Top U.S. Auto Insurance Companies
Progressive State Farm Geico Allstate
Claims Rank 4th 2nd 3rd 1st
Number of Discounts 4th 3rd 2nd 1st
Customer Satisfaction 3rd 4th 1st 2nd
Price Overall 3rd 2nd 1st 4th
Percent of customers who recommend 88% 88% 87% 86%
Rating from A.M. Best A+ A++ A++ A+
S&P financial rating AA AA AA+ AA-
Accident forgiveness Yes No Yes Yes
Breakdown insurance Yes No Yes No
New car replacement coverage No No No Yes
Usage-based insurance Yes Yes No Yes
Emergency roadside assistance Yes Yes Yes Yes
Coverage for Uber and Lyft drivers Yes Yes Yes Yes
Coverage in Washington Yes Yes Yes Yes
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How to find cheap auto insurance for teenage females in Washington

It’s not impossible to find cheaper rates, and here are many thrifty ideas that can help Washington drivers locate more affordable auto insurance.

  • Increase your deductibles
  • Get cheaper liability coverage by choosing a safer vehicle
  • Full coverage may not be needed on older vehicles
  • Home or renters coverage can save on auto insurance
  • Pay lower rates with good credit
  • Try paying for small claims out-of-pocket
  • Shop around for lower rates once a year

The last suggestion is especially crucial, as was discussed in this piece. Insurance prices go up and down frequently, so don’t be unwilling to buy a policy from a new company if a lower price can be found.

Staying with the same company for years is fine, but it’s not a great idea if that loyalty results in overpaying a fortune every year. In just a couple of minutes you could shop around and find cheaper insurance for teenage females.