For teen girls, one of the more important criteria that help determine insurance cost is your zip code. Areas with more people or even just a higher incidence of claims tend to have more expensive car insurance rates, whereas areas that tend to be more rural benefit from lower rates.
The next table rates the highest-priced places in Indiana for teenage females to purchase car insurance in. Fort Wayne ranks #13 costing $985 for the average policy, which is about $82 monthly.
|Rank||City||Average Per Year|
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Annual rates are estimated as specific Fort Wayne zip code can affect insurance rates significantly.
The type of vehicle you are trying to insure is one of the largest factors when comparing quotes for the best cheap insurance for teenage females. Vehicles with lower acceleration and performance, a great safety record, or a low likelihood of liability claims will cost substantially less to insure than fast, unsafe models.
The table below ranks insurance costs for a number of the most economical vehicles to buy coverage for.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Honda Accord EX 4-Dr Sedan||$2,996|
|Ford Escape XLS 4WD||$3,004|
|Honda CR-V LX 4WD||$2,996|
|Volkswagen Jetta S 2.5 Station Wagon||$3,215|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$3,338|
|Ford Edge SE 2WD||$3,346|
|Ford F-150 XLT Crew Cab 2WD||$3,367|
|Dodge Grand Caravan CV||$3,374|
|Ford Explorer XLT AWD||$3,367|
|Chevrolet Impala LS||$3,528|
|Toyota Camry LE||$3,557|
|Toyota RAV4 2WD||$3,564|
|Chevrolet Malibu LS||$3,557|
|Toyota Tacoma Double Cab TRD Sport Package 4WD||$3,586|
|Ford Focus SES 4-Dr Sedan||$3,716|
|Honda Civic EX 4-Dr Sedan||$3,722|
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Prices based on single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, and safe-driver. Prices do not factor in your specific Fort Wayne, IN location which can raise or lower auto insurance rates significantly.
By looking at the data, makes and models like the Honda Accord, Ford Escape, Honda CR-V, and Volkswagen Jetta should be the more affordable vehicles to insure for teen girls. Prices will be more costly because of the fact that there is more claim risk for teenage females, but overall those particular models will probably have the cheapest car insurance rates that you’ll find.
Buying cost effective auto insurance is confusing at best, and figuring out which companies quote the best car insurance rates for teenage females will take a little more work. Each company uses a different method for determining prices, so let’s take a look at the most competitive car insurance companies in Fort Wayne, IN.
It’s important that you understand Indiana car insurance rates are impacted by many factors which can significantly increase or decrease the price you have to pay for coverage. Things like having a birthday, having a teenage driver, or getting a ticket for careless driving may cause policy rate changes that can make some companies cheaper than others.
Find the Best Cheap Insurance for Teens
Travelers quotes some of the cheapest car insurance rates in Fort Wayne at around $614 per year. Cincinnati Insurance, USAA, Erie, and Indiana Farmers Mutual also qualify as some of the best Fort Wayne, IN auto insurance companies.
As the example above demonstrates, if you are a customer of Erie and switched to Cincinnati Insurance, you may realize a yearly savings of upwards of $28. Indiana drivers with Indiana Farmers Mutual might save as much as $157 a year, and Western Reserve insureds might reduce prices by as much as $162 a year.
Be aware that those premiums are averages across all drivers and vehicles and and are not figured with a specific zip code for teenage females. So the insurer that fits your needs best may not even be in the list above. That’s why you need to get rate quotes using your own driver information and specific vehicle type.
Choosing a high-quality company can be a challenge considering how many choices drivers have in Fort Wayne. The ranking information shown below may help you decide which companies you want to consider when trying to find the cheapest insurance for teenage females.
These ratings are only made up of companies that insure vehicles nationwide, so companies that may only write in Indiana will not be included in these rankings. To get rate quotes from these top-rated insurers and more, just click here.
Top 10 Major Auto Insurers in Fort Wayne Ranked by A.M. Best Rating
- USAA – A++
- GEICO – A++
- Travelers – A++
- State Farm – A++
- Allstate – A+
- Progressive – A+
- Erie Insurance – A+
- The Hartford – A+
- Nationwide – A+
- Esurance – A+
How accidents and violations affect rates
The common sense way to earn cheap car insurance prices for teen girls is to drive attentively and not receive tickets or have accidents. The diagram below demonstrates how traffic citations and accidents raise auto insurance costs for different age groups. The information is based on a married female driver, full coverage, $250 deductibles, and no discounts are applied.
The data charted above shows the average cost of a car insurance policy in Indiana per year with no accidents and a clean driving record is $1,143. Get two speeding tickets and the average cost increases to $1,621, an increase of $478 each year. Then include two accidents along with the two speeding tickets and the 12-month cost of car insurance for teenage females goes up to an average of $3,383. That’s an increase of $2,241, or $187 per month, just for not driving attentively!
Get discounts on Fort Wayne auto insurance
Insurance providers that sell policies for teenage females may provide price discounts that could lower prices by as much as 25% or more if you meet eligibility requirements. A few popular companies and some of the premium reductions they offer are included below.
- State Farm has savings for student away at school, good driver, defensive driving training, passive restraint, and multiple policy.
- American Family discounts include good driver, early bird, air bags, bundled insurance, TimeAway discount, Steer into Savings, and good student.
- AAA includes discounts for good driver, AAA membership discount, education and occupation, multi-policy, multi-car, good student, and pay-in-full.
- GEICO offers discounts including multi-vehicle, air bags, seat belt use, defensive driver, federal employee, emergency military deployment, and military active duty.
- Mercury Insurance has discounts for type of vehicle, multi-policy, location of vehicle, anti-theft, and accident-free.
- Farmers Insurance policyholders can earn discounts including bundle discounts, multi-car, good student, early shopping, and youthful driver.
- Progressive may offer discounts for multi-vehicle, multi-policy, online signing, online quote discount, continuous coverage, good student, and homeowner.
The illustration below illustrates the difference between car insurance costs with and without discounts. The premiums are based on a female driver, no accidents, no driving violations, Indiana state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with vehicle safety, continuous coverage, good student, paperless filing, anti-theft, and passive restraint discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on car insurance for teenage females is 28% or $527.
Here’s why price comparisons are so important
Indiana car insurance rates are impacted by many factors that control the policy premium. Simply having another birthday, buying another vehicle, or having an at-fault accident can trigger changes in premium that can cause some rates to be cheaper in comparison to the competition. Also, auto insurance companies file new Indiana car insurance rates multiple times each year to adjust for heavy claims or excess profits. Larger than normal claims can cause rate hikes, while long-term profits can result in lower-cost Fort Wayne car insurance rates.
To illustrate this point, the chart below compares the cheapest car insurance in Fort Wayne, IN for a 40-year-old female driver with no violations or accidents, and good credit. If we look at prices based on her current risk profile, Travelers offers the cheapest car insurance rates in Fort Wayne at $609 annually. This is $631 less than the average policy premium paid by Indiana drivers of $1,240. Cincinnati Insurance, USAA, Erie, and The Hartford are also included in the top five cheapest Fort Wayne, IN auto insurance companies.
The chart below compares rates after we give the driver from the above example a couple of claims, a lower credit score, and an imperfect driving record. Since each auto insurer has their own unique process to set their prices, getting updated rate quotes could result in a significantly different list of companies as shown below.
Indiana Farmers Mutual now has the cheapest rate in Fort Wayne, IN with Auto-Owners, Cincinnati Insurance, USAA, and Nationwide now rounding out the top five. This example illustrates why Fort Wayne drivers need to shop around when trying to find the cheapest car insurance rates for teenage females.
Insurance rates can be determined by many factors and can increase or decrease at any time, so the best option the last time you shopped your coverage around may now be wasting a lot of money.
The agents shown below are willing to answer your questions and help you decide which insurance coverage you need, as lots of people like to have some advice when trying to find lower insurance rates for teen girls. It can be time-consuming to find the cheapest car insurance policy, and agents can provide you peace of mind knowing your coverage gives you suitable coverage if you ever need to use it.
To locate an agency by location nearest to you, click the button following the list or click here to compare price quotes.
Allstate Insurance: Justin Harkelroad
8812 Coldwater Rd – Fort Wayne, IN 46825 – (260) 489-0156
2700 Lower Huntington Rd – Fort Wayne, IN 46809 – (260) 747-6186
Schultheis Agency Insurance
1910 St Joe Center Rd – Fort Wayne, IN 46825 – (260) 480-0208
Shawn Corbett – State Farm Insurance Agent
6061 N Clinton St – Fort Wayne, IN 46825 – (260) 484-6199
Allstate Insurance: Jeffrey W Griggs
4340 Maplecrest Rd – Fort Wayne, IN 46815 – (260) 486-3883