For teen girls, one of the largest considerations that aid in calculating the price you pay for insurance is where you keep your vehicle. Areas with a lot of weather claims or more people tend to have higher auto insurance costs, whereas areas with less people or fewer weather incidents tend to receive slightly lower rates.
The table below shows the most expensive cities in Texas for teenage females in which to buy car insurance. Laredo is ranked #4 with an annual premium of $1,889 for the average insured, which is about $157 monthly.
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Information shown are comparative as the specific zip code location can modify coverage prices substantially.
The vehicle on the policy is one of the primary factors that determines if you can find cheap insurance for teenage females. Vehicles with lots of speed or power, a lack of modern safety features, or high incidents of liability claims will cost more to insure than safer models.
The information below outlines car insurance prices for a handful of the most affordable automobiles to buy insurance for.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Ford Escape XLS 2WD||$4,974|
|Honda CR-V EX 2WD||$4,982|
|Jeep Wrangler Sport 4WD 2-Dr||$5,246|
|Ford Explorer Eddie Bauer 2WD||$5,596|
|Ford Focus S 4-Dr Sedan||$5,852|
|Honda Odyssey EX W/Rear Entertainment||$5,861|
|Chevrolet Impala LT||$5,898|
|Volkswagen Jetta S 4-Dr Sedan||$5,903|
|Toyota RAV4 Sport 2WD||$5,898|
|Chevrolet Malibu LT||$5,944|
|Dodge Grand Caravan SXT||$5,950|
|Toyota Corolla XLE||$6,200|
|Ford Edge Sport 2WD||$6,206|
|Hyundai Elantra SE 4-Dr Sedan||$6,200|
|Toyota Tacoma X-Runner 2WD||$6,208|
|Ford F-150 Lariat King Ranch 2WD||$6,246|
|Chevrolet Equinox LTZ AWD||$6,252|
|Nissan Altima Hybrid 4-Dr Sedan||$6,246|
|Ford Fusion Sport 4-Dr Sedan||$6,252|
|GMC Sierra 2500HD SLE Regular Cab 4WD||$6,246|
|Jeep Grand Cherokee Limited 2WD||$6,251|
|GMC Sierra SLE Crew Cab 4WD||$6,246|
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Premium data assumes single female driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, and claim-free. Prices do not factor in zip code location which can alter auto insurance rates greatly.
Based upon the table data, you can figure that cars like the Ford Escape, Honda CR-V, and Jeep Wrangler are most likely going to be some of the most economical vehicles to insure for teen girls. Auto insurance rates will tend to be more expensive because there is more exposure for teenage females, but in general those specific models will probably have the lowest insurance rates possible.
Get discounts on Laredo car insurance
Insurance companies that offer quotes for teenage females may also offer special discounts that could lower prices by 35% or more if you can meet the requirements. Companies and the discounts they provide are detailed below.
- Progressive offers premium reductions for good student, multi-policy, continuous coverage, multi-vehicle, online signing, online quote discount, and homeowner.
- AAA policyholders can earn discounts including anti-theft, AAA membership discount, good driver, pay-in-full, good student, and multi-policy.
- Farmers Insurance discounts include business and professional, homeowner, electronic funds transfer, distant student, and bundle discounts.
- GEICO may have discounts that include air bags, anti-theft, good student, multi-policy, and anti-lock brakes.
- Esurance has savings for multi-policy, claim free, good driver, anti-lock brakes, safety device, online shopper, and defensive driver.
- SAFECO may include discounts for multi-car, homeowner, bundle discounts, anti-lock brakes, anti-theft, and teen safety rewards.
- State Farm offers discounts for driver’s education, multiple policy, good student, passive restraint, Steer Clear safe driver discount, and student away at school.
The diagram below shows the comparison of auto insurance costs with and without discounts being applied to the rates. The price estimates are based on a male driver, no driving violations, 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 second bar shows the rates with paperless filing, good student, passive restraint, vehicle safety, anti-theft, and continuous coverage discounts applied. In this example, the average savings per year on auto insurance for teenage females is 28% or $729.
Choosing the top company is hard considering how many companies provide coverage in Laredo. The company rank data in the next section may help you select which coverage providers to look at to insure your vehicles.
These rankings include insurance companies that insure vehicles in the majority of U.S. states, so smaller companies are not taken into consideration for this list. To get price quotes from these companies and more, click here.
Top 10 Large Auto Insurers in Laredo Ranked by A.M. Best Rating
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
Top 10 Large Auto Insurers in Laredo Ranked by Claims Service
- State Farm
- Liberty Mutual
- American Family
- Titan Insurance
- AAA Insurance
Why are you paying too much for car insurance?
Laredo auto insurance rates are determined by lots of factors which can significantly increase or decrease your annual premium. Simply getting older, buying a home, or getting a ticket for running a stop sign can trigger changes in premium resulting in some companies being cheaper in comparison to the competition.
In addition, auto insurance companies modify rates without warning to adjust for unexpected claims or profits. A period of higher than normal claims can cause rate hikes, while lower claims can cause cheaper Laredo car insurance rates.
As an example, the chart below shows the cheapest car insurance in Laredo, TX for a 30-year-old female driver with a good driving record, no prior claims, and good credit. If we estimate prices based on her current rating profile, Travelers may offer the best car insurance rates in Laredo at $1,296 a year. This is $608 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also included in the cheapest Laredo, TX auto insurance companies.
In this next rate comparison, we will give the driver from the first rate comparison a couple of claims, a lower credit score, and a stop sign violation. Because every insurance company has a different process to set their prices, analyzing rates could result in a slightly different list of companies as shown below.
Mercury now has the lowest car insurance rate in Laredo with State Farm, Safe Auto, USAA, and Nationwide also being competitive. This shows why Texas drivers need to spend some time comparing rates to get the best auto insurance rates for teenage females. Auto insurance prices can be altered by many risk factors and can decrease or increase without notice, so the most economical company the last time you checked may now be wasting a lot of money.
If you wish to have a professional recommendation when shopping around for cheaper insurance for teen girls, the agents listed below can provide answers to your questions and help you determine which coverage meets your needs best. To locate an agency closest to you, click the button link following the list or click here to compare price quotes now.
- Laurel Insurance
4519 San Bernardo Ave – Laredo, TX 78041 – (956) 723-3785
- Castillo Insurance Agency
1413 E San Carlos St – Laredo, TX 78041 – (956) 727-0129
- J.J. MARTINEZ INSURANCE AGENCY
2101 Springfield Ave – Laredo, TX 78040 – (956) 723-7480