Figuring out which insurers offer the lowest-priced auto insurance rates for teenage females will require a bit more effort than just picking a company at random.
Each auto insurer has their own process to establish rates, so let’s take a look at the lowest cost auto insurance companies in Cincinnati, OH. Keep in mind that Cincinnati auto insurance rates are based on many factors that control the policy price. Simply turning a year older, getting divorced, or getting a few speeding tickets may generate price changes that can cause some rates to be cheaper in comparison to the competition.
Cheap Insurance Rates for Teens
Utica National may have some of the best car insurance rates in Cincinnati at around $635 per year. Erie, Frankenmuth, Allied, and Travelers also rank well as some of the most economical Cincinnati, OH car insurance companies.
As illustrated above, if you have coverage with Erie and switched to Utica National, you might see an annual premium reduction of in the vicinity of $26. Ohio drivers with Frankenmuth could save as much as $52 a year, and Allied insureds might cut rates by $62 a year.
Remember that these premiums are averaged across all types of drivers and the different vehicles they drive and do not factor in a specific vehicle garaging location for teenage females. So the auto insurance company that fits your situation best may not even be in the top 33 companies in the list above. That underscores the importance of why you need to quote rates from as many companies as possible using your own driver and vehicle profiles.
The vehicle model needing coverage is one of the largest factors when consumers are trying to find the most economical car insurance for teenage females. Vehicles with more horsepower, poor crash test ratings, or a high likelihood of having liability claims will cost more to insure than safer, lower-performance models. The next table illustrates auto insurance prices for a handful of the more affordable automobiles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $4,157 |
| Honda Accord LX 4-Dr Sedan | $4,162 |
| Honda CR-V EX-L 2WD | $4,198 |
| Ford Escape Limited 2WD | $4,208 |
| Toyota Prius | $4,501 |
| Jeep Wrangler Sahara 4WD 2-Dr | $4,670 |
| Volkswagen Jetta SE 2.5 Station Wagon | $4,763 |
| Honda Odyssey EX W/Rear Entertainment | $4,891 |
| Ford Focus SE 4-Dr Sedan | $4,898 |
| Chevrolet Equinox LT 2WD | $4,932 |
| Chevrolet Impala LT | $4,939 |
| Toyota Tacoma Double Cab 4WD | $4,932 |
| Jeep Grand Cherokee Laredo 4WD | $4,938 |
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Data variables include single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, and claim-free. Price information does not factor in zip code location which can change insurance rates significantly.
Looking at the numbers, vehicles like the Hyundai Elantra, Honda Accord, Honda CR-V, and Ford Escape are going to be some of the less-costly vehicles to insure for teen girls. The price for an auto insurance policy will be more expensive just because there is more exposure for teenage females, but overall those specific models will most likely have the cheapest auto insurance rates that you’ll find.
The diagram below demonstrates how deductible levels can raise or lower insurance premiums when searching for cheap insurance for teenage females. The price estimates are based on a married female driver, comp and collision included, and no discounts are applied to the premium.
In the chart above, a 40-year-old driver could reduce rates by $156 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $234 by choosing a $1,000 deductible. Young drivers, like the Age 20 chart data, could reduce their rates as much as $384 or more just by choosing larger deductibles.
When raising deductibles, it will now be necessary to have enough funds in savings to be able to pay the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.
Get discount Cincinnati insurance
Insurers that provide coverage for teenage females may additionally offer discounts that can lower rates by as much as 35% if you meet specific eligibility requirements. A few popular companies and the discounts they provide are detailed below.
- 21st Century may have discounts that include automatic seat belts, student driver, driver training, good student, air bags, teen driver, and defensive driver.
- Progressive has discounts for good student, homeowner, continuous coverage, multi-vehicle, online quote discount, and multi-policy.
- State Farm policyholders can earn discounts including multiple autos, accident-free, defensive driving training, Drive Safe & Save, anti-theft, student away at school, and passive restraint.
- Nationwide offers premium reductions for anti-theft, accident-free, Farm Bureau membership, family plan, multi-policy, and easy pay.
- Esurance may offer discounts for online quote, multi-car, good driver, anti-lock brakes, Pac-12 alumni, DriveSense, and multi-policy.
- The Hartford offers discounts including driver training, air bag, vehicle fuel type, anti-theft, defensive driver, bundle, and good student.
The chart below shows the comparison of premium costs with and without discounts applied. The data assumes a female driver, no violations or accidents, Ohio state minimum liability limits, full physical damage coverage, and $1,000 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with good student, vehicle safety, anti-theft, continuous coverage, paperless filing, and passive restraint discounts applied. In this example, the average savings per year on auto insurance for teenage females is 28% or $322.
Finding the right insurance company is hard considering how many different companies insure vehicles in Ohio. The company information shown below can help you select which auto insurance companies to look at comparing prices from. The ratings below are for the largest companies in the United States, so smaller companies are not included in the list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Titan Insurance | 89 | 91 | 83 | 86% | A+ | 89.3 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| Erie Insurance | 92 | 90 | 82 | 88% | A+ | 88.5 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
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Data Source: Insure.com Best Car Insurance Companies