Who Has the Cheapest Car Insurance Quotes for Teenage Females in Louisiana?

For teen girls, one of the big criteria that car insurance companies take into consideration when calculating the price you pay for insurance is your address. Areas that are more densely populated like New Orleans, Marrero, and Metairie tend to pay higher rates, whereas areas that tend to be more rural tend to receive cheaper rates.

The next table illustrates the most costly cities in Louisiana for teenage females in which to purchase auto insurance.

Rates are approximated as the specific area where the vehicle is garaged can raise or lower coverage prices substantially.

The car, truck, or SUV requiring insurance is probably the most important factor when looking for the cheapest auto insurance for teenage females in Louisiana. Vehicles with higher performance characteristics, poor safety features, or a high likelihood of having liability claims will cost quite a bit more to insure than more modest models. The tables below presents coverage costs for some of the most economical automobiles to insure.

Above prices assume single female driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and Louisiana minimum liability limits. Discounts applied include claim-free, and safe-driver. Table data does not factor in specific location information which can decrease or increase premium rates substantially.

Premium data assumes single female driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and Louisiana minimum liability limits. Discounts applied include claim-free, and safe-driver. Rates do not factor in specific garaging location which can alter insurance rates substantially.

Data based on single female driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and Louisiana minimum liability limits. Discounts applied include safe-driver, and claim-free. Price estimates do not factor in vehicle garaging location which can lower or raise premium rates considerably.

Determining which companies quote the lowest-priced auto insurance rates for teenage females will involve more work than just picking a company at random. Every insurance provider uses their own calculation for establishing rates, so to begin we’ll rank the auto insurance companies with the overall cheapest rates in Louisiana.

It’s important to know that Louisiana auto insurance rates are impacted by many things which can significantly increase or decrease the cost of coverage. Simply improving your credit, having a claim, or having a fender bender may prompt premium changes resulting in some rates now being more affordable than others.

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USAA quotes some of the cheapest car insurance rates in Louisiana at around $1,594 a year. MetLife, GEICO, Progressive, and Southern Farm Bureau also rank well as some of the more affordable Louisiana insurance companies.

As the example above demonstrates, if you are a policyholder with Progressive and switched to USAA, you could earn a yearly price reduction of about $411. Drivers with Southern Farm Bureau could save as much as $587 a year, and Safeway policyholders might lower prices by up to $604 a year.

Understand that those prices are averages across all types of drivers and the different vehicles they drive and do not take into consideration a rate surcharge for teenage females. So the company that is most affordable for your situation may not even be in the chart above. That affirms the importance of why you need to quote rates from as many companies as possible using your own driver information and specific vehicle type.

The illustration below shows how different deductible levels can change insurance prices when trying to find cheap insurance for teenage females. Data assumes a married male driver, full physical damage coverage, and no other discounts are factored in.

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In the chart above, a 30-year-old driver could pocket $428 a year by changing from a $100 deductible to a $500 deductible, or save $650 by switching to a $1,000 deductible. Youthful drivers, like the 20-year-old, could roll back prices $1,294 annually by using a higher deductible.

When increasing deductibles, it will be required to have enough in a savings account to allow you to pay the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

Insuring your vehicle with the right auto insurance company is hard considering how many companies there are in Louisiana. The company information in the lists below may help you pick which car insurance providers you want to consider shopping prices with. These rankings are only made up of companies with a national presence, so companies that may only write in Louisiana are not included in this list.

Who is cheaper: Geico, State Farm, Progressive, or Allstate?

When shopping around for car insurance, four companies to take a look at are Geico, State Farm, Progressive, and Allstate. When added together, they insure 48.5% of all vehicles in the U.S.. All offer your standard physical damage and liability coverages, but each one has different features and discounts that may affect your buying decision. The table below breaks down ratings for price and service, as well as some optional coverages that may be available in Louisiana.