How Much is Long Beach Auto Insurance for Teenage Females?

The words “affordable” and “auto insurance” really don’t belong together, especially when you are trying to find the best car insurance for teenage females. In an attempt to save some money, let’s go over a few of the factors that significantly impact auto insurance rates, and find some ways to lower the price of your next policy.

For teen girls, one of the more important considerations that are looked at to determine insurance cost is where your residence is in Long Beach. Cities with more crime and/or more people tend to pay more, whereas more rural areas benefit from having to pay less for coverage.

The illustration below lists the most costly cities in California for teenage females to buy auto insurance in. Long Beach comes in at #9 having an annual price of $1,562 for the average insured, which is around $130 per month.

How much does car insurance cost in Long Beach, CA?
Rank City Average Per Year
1 Glendale $2,121
2 Los Angeles $2,083
3 San Francisco $1,745
4 Oakland $1,738
5 Sacramento $1,652
6 San Bernardino $1,644
7 Stockton $1,588
8 Santa Clarita $1,580
9 Long Beach $1,562
10 Garden Grove $1,554
11 Riverside $1,527
12 Fontana $1,519
13 Moreno Valley $1,506
14 Modesto $1,502
15 Fresno $1,502
16 Santa Ana $1,497
17 Anaheim $1,488
18 Bakersfield $1,394
19 Fremont $1,389
20 Irvine $1,384
21 San Jose $1,381
22 Huntington Beach $1,360
23 San Diego $1,340
24 Oxnard $1,318
25 Chula Vista $1,298
Find Cheaper Rates Go

Information shown are estimated as the specific geographic location can change premium rates substantially.

The make and model of vehicle you are seeking coverage for is one of the main factors when shopping for cheap auto insurance for teenage females. Vehicles with limited speed and performance, a plethora of safety features, or a low likelihood of liability claims will cost less to insure than adrenaline junky models.

The information below shows auto insurance prices for a number of the most budget-friendly automobiles to insure in California.

Cheapest Vehicles to Insure in Long Beach, CA
Insured Vehicle Estimated Cost for Full Coverage
Honda Accord LX-P 4-Dr Sedan $4,542
Ford Escape XLS 2WD $4,548
Honda CR-V LX 4WD $4,542
Toyota Prius $4,902
Ford F-150 STX Regular Cab 2WD $5,069
Dodge Grand Caravan SE $5,110
Ford Edge Limited 2WD $5,346
Chevrolet Impala LS $5,355
Ford Focus S 4-Dr Sedan $5,346
Toyota RAV4 Sport 2WD $5,387
Ford Explorer Limited 4WD $5,428
Toyota Tacoma Double Cab TRD Sport Package 4WD $5,438
Honda Civic LX-S 4-Dr Sedan $5,622
Hyundai Elantra GLS 4-Dr Sedan $5,664
Volkswagen Jetta SEL 4-Dr Sedan $5,705
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Above prices assume single female driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, and safe-driver. Prices do not factor in Long Beach, CA location which can revise rates greatly.

Based upon the rates shown, we can expect models like the Honda Accord, Ford Escape, Honda CR-V, and Toyota Prius are the cheaper vehicles to insure for teen girls. Auto insurance rates will trend higher just because there is more inherent risk for teenage females, but overall those particular vehicles will have the cheapest car insurance rates compared to all other vehicles.

Discount Long Beach insurance

Discounts on insurance for teenage femalesInsurance companies that offer quotes for teenage females may provide discounts that could potentially reduce rates by 30% or more if you meet specific eligibility requirements. Popular insurance companies and a selection of discounts can be found below.

The example below compares insurance costs with and without policy discounts. The premiums are based on a male driver, no claims or driving citations, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with passive restraint, vehicle safety, anti-theft, continuous coverage, good student, and paid-in-full discounts applied. With discounts applied, theaverage amount saved on insurance for teenage females is 28% or $929.

Should you buy full coverage?

Saving on insurance is important to most vehicle owners, and one easy way to pay less for insurance for teenage females is to only buy liability insurance. The example below illustrates the comparison of auto insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data assumes a clean driving record, no claims, $250 deductibles, single marital status, and no other discounts are factored in.

Averaged for all age groups, physical damage insurance costs $2,314 per year more than just insuring for liability. That raises the question if buying full coverage is a waste of money. There is no clear-cut rule that is best for determining when to drop comprehensive and collision coverage on your policy, but there is a guideline you can use. If the yearly cost of full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

For example, let’s say your vehicle’s replacement value is $6,500 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, you would only receive $5,500 after the deductible is paid. If you are currently paying more than $550 a year for full coverage, then you may want to consider only buying liability coverage.

There are a few situations where buying only liability insurance is not a good plan. If you haven’t satisfied your loan, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.

The example below demonstrates how deductibles can increase or decrease annual premium costs when getting quotes for cheap insurance for teenage females. The information is based on a married male driver, comprehensive and collision coverage, and no discounts are factored in.

A 50-year-old driver could pocket $308 a year by switching from a $100 deductible up to a $500 deductible, or save $466 by selecting a $1,000 deductible. Young drivers, like the 20-year-old, could save $1,026 every year by using higher deductibles when buying full coverage. When choosing a higher deductible, it will be required to have enough funds in savings to allow you to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.