Cheap Car Insurance Quotes for Teenage Females in Illinois

You have surely seen all the commercials from insurers like The General and Allstate that make claims of the cheapest price, so you should just pick the company with the cutest commercial, right?

It’s not that easy, however, as there are many unknowns such as the likelihood of your vehicle having a liability claim, your choice of physical damage deductibles, and whether you are male or female, that all go into determining the rate you pay. We are going to cover these factors and others that can influence the price of auto insurance and will hopefully give you a good start to your coverage search.

Finding cheap insurance is hard enough, and determining which companies offer the most affordable auto insurance rates for teenage females takes more quotes for comparison. Coverage rates will be significantly higher than the average policy in Illinois because of the potentially higher risk related to offering insurance for teen girls, but reasonable coverage should be available if you look hard enough.

Every car insurance company uses a little different formula to set their prices, so let’s take a look at the most budget-friendly auto insurance companies in Illinois. It’s a good idea to be aware that Illinois auto insurance rates are influenced by many factors that will increase or decrease the cost of having a policy. This price fluctuation is why it is so important to do a thorough rate comparison when trying to find cheap insurance rates for teenage females. Insurance rates are determined by many things and change substantially, so the best option the last time you shopped around may now not even be in the top five.

Find Cheaper Car Insurance for Teens

Compare Rates and Save

The Hartford offers some of the cheapest car insurance rates in Illinois at around $769 a year. Rockford Mutual, Titan, Erie, and Cincinnati Insurance also qualify as some of the most economical Illinois auto insurance companies.

As depicted above, if you buy coverage from Erie and switched to The Hartford, you might realize yearly savings of approxmiately $145. Drivers with Cincinnati Insurance may save as much as $155 a year, and USAA customers might lower prices by up to $181 a year.

Remember that these premiums are averaged across all types of drivers and the different vehicles they drive and are not factoring in a price surcharge for teenage females. So the auto insurance company that has the cheapest rates for you may not even be included in the rate chart shown above. That underscores the importance of why you need to quote rates from as many companies as possible using your own personalized driver profile and vehicle information.

When shopping for auto insurance for teen girls, one of the many things that establish the cost of insurance is the neighborhood you call home in Illinois. Areas that are densely populated or have higher claim frequency like Chicago, Berwyn, and Des Plaines tend to pay slightly more, whereas areas that tend to be more rural generally pay lower auto insurance rates.

The following table ranks the highest-priced areas in Illinois for teenage females to purchase car insurance in.

Prices are estimated as specific Illinois zip code can lower or raise auto insurance rates considerably.

The vehicle model driven is a large factor that determines if you can find cheap car insurance for teenage females in Illinois. Vehicles with higher performance characteristics, poor safety features, or a high likelihood of having liability claims will cost much more to insure than safer models.

The tables below estimates auto insurance rates for a selection of the more afforable automobiles to buy insurance for.

Table data assumes single female driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and Illinois minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate information does not factor in garaging location in Illinois which can lower or raise insurance rates greatly.

Prices based on single female driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and Illinois minimum liability limits. Discounts applied include claim-free, and safe-driver. Rates do not factor in specific garaging location which can modify auto insurance rates noticeably.

Table data represents single female driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and Illinois minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate quotes do not factor in specific location which can impact insurance rates noticeably.

Irresponsible driving raises your rates

The best way to earn cheap car insurance for teenage females in Illinois is to be a cautious driver and avoid traffic citations and accidents. The information below illustrates how traffic citations and accident claims impact car insurance rates for each different age group. Data assumes a married female driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 1655,1841,2373],[‘Age 30’, 1163,1351,1881],[‘Age 40’, 1147,1337,1867],[‘Age 50’, 1009,1199,1727],[‘Age 60’, 963,1147,1683],[‘Age 70’, 1031,1217,1749]]);var options = {title: ‘Effect of Tickets and Accidents on Illinois Car Insurance Rates’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Illinois’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the chart above, the average cost of auto insurance in Illinois per year with a clean driving record and no accidents is $1,161. Receive one speeding ticket and the average cost rises to $1,349, an increase of $187 each year. Then throw in one accident along with the one speeding ticket and the yearly cost of auto insurance for teenage females increases to an average of $1,880. That’s an increase of $719, or $60 per month, just for being a careless driver!

Find cheap car insurance for teenage females in Illinois

Lowering your rates is not difficult, and here are many penny-pinching ideas that can help Illinois drivers locate lower-cost car insurance.

• Get cheaper liability coverage by choosing a safer vehicle
• Full coverage may not be needed on older vehicles
• Maintain a safe distance and avoid accidents
• Higher deductibles mean lower rates
• Be a cautious driver
• Higher credit ratings may save you money
• Shop around for cheaper prices

The last tip is remarkably vital, as was affirmed in the prior article. Auto insurance rates in Illinois can be adjusted at any time, so drivers shouldn’t hesitate to buy a different policy if you can save money.

Brand loyalty is not necessarily bad, but it’s not a great idea if that dedication is costing hundreds of dollars a year. In less than five minutes you could compare rates to find cheaper auto insurance for teenage females.