How Much Does An 18 Year Old Female Pay for Car Insurance?
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UPDATED: Apr 29, 2020
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Don’t be surprised to know that compared to men, car insurance for ladies is considerably less. When it comes to the average car insurance cost for 18 year old female, they can expect to pay 10% – 15% less than men assuming they get the same coverage and have identical driving records.
Women are also more likely to get certain discounts for all type of car insurance as compared to men simply because they are less likely to have accidents or file for claims.
It is these benefits that make women a better risk in the eyes of insurance companies when it comes to auto insurance.
Average Cost of Car Insurance for 18 Year Old Female:
Car insurance rates depend on the risk associated with the driver as well as the vehicle. Younger drivers are more likely to have car accidents and 16-year olds tend to have a crash rate twice as high as 18 to 19 year-olds.
The particular risk will be reflected in the average insurance rates charged for teenagers. Multiple ages are shown in the list below illustrating how the rates differ with increased age:
- $3,989 for 16-year olds
- $3,522 for 17-year olds
- $3,148 for 18-year olds
- $2,178 for 19 year-olds
- $1,945 for 20-year olds.
Below is a list of average annual rates for females from some of the best insurance providers in California for easy comparison including AAA, GEICO, State Farm, Farmers, Mercury, and Progressive in no particular order. The table shows that rates depend not only on the age but also on the insurance provider you choose:
- Company #1 : $2,646
- Company # 2 : $2,607
- Company #3 : $5,613
- Company #4 : $2,640
- Company #5 : 2,642
- Company #6 : $2,030
Premiums will vary massively particularly for 18-year olds because certain insurance providers do not want to insure risky drivers and will, therefore, try to put you off by charging higher premiums than other providers.
Even though the best way to mitigate some of the cost is to add your 18-year-old teen to your policy, there are other options with discounts available to get her own insurance policy.
Insurance companies do not actively communicate the discounts they are willing to offer. Therefore it pays to compare rates and understand available discounts so that you are not operating in the dark.
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What You Must Know:
There are several factors you must take into consideration for women car insurance, particularly if you have never purchased it before.
Type of Insurance: Comprehensive car insurance is typical for automobile owners who used a loan to get their car or truck. However, if you are driving a used vehicle and didn’t take out a loan, then you should consider getting the state minimum required insurance of liability and uninsured motorist. This is considerably less expensive.
Deductible: The higher the deductible, the lower your insurance rates. Of course, you will need to carry the deductible amount in your savings account so that if you should need your vehicle repaired you can cover the difference. However, it will lower the overall premiums that you pay for your insurance.
Discounts: There are a few discounts for 18 year old female car insurance that you can seek out to lower your premiums even further.
- Bundling: Combining your auto with home, boat, or other approved insurance under one company.
- Safety Course: Taking an approved safety course will provide a discount for your rates.
- Comparison Shop: Look around at several insurance companies to find the best rate.
While 18 year old females have a premium advantage over their male counterparts, you should still look for the best insurance rates possible to fit your budget.
Many insurance companies are interested in getting more customers and some top providers are willing to offer competitive quotes for teen drivers. All you have to do is put in the time to compare quotes until you find the best option for your teen that is affordable.
Defining the average cost depends on several different factors that need to be taken into account first before any number is given.
- Type of Insurance
- Driving Record
- Type and Value of Vehicle
- Credit History
- Number of Miles Driven Per Week
How To Get An Inexpensive Car Insurance For An 18-Year-Old Female Drivers
According to insurance companies, young drivers have the highest risk of having an accident and making a claim and are therefore treated accordingly.
The basic fact is that, even when all other aspects are equal, insurance coverage for an 18-year old will cost more because the American auto insurance system favors experienced drivers.
Statistics have proven that less experienced drivers have a higher rate of becoming involved in accidents than older and more seasoned drivers.
Inexperience and poor decision-making are both factors that contribute to this statistic such as staying out late, driving with more than one passenger in the vehicle, and drinking while driving.
Young female drivers are less risky to insure than their teenage counterparts as they tend to be more careful and responsible for obeying the rules of the road.
However, you don’t have to be locked into paying more as there are options available with discounts that can bring insurance premiums down to a more affordable rate.
Here are a few tips on how to get lower car insurance premiums for an 18-year old female driver:
1. Added to Parents Insurance
The lowest rates can be obtained by simply adding your teen who is still living at home or attending college full-time to your insurance policy.
Providing certain qualifications are met, according to federal law they can remain covered until the age of 26. This cost will still be hefty but it is the cheapest way to get a teen insured.
How much will it cost to add a teen to your car insurance policy?
Rates vary greatly between insurance companies which is why it is recommended to compare rates. Although every situation is different an overall snapshot can be obtained by comparing rates over various zip codes in a particular state.
Here are some interesting facts that may occur when adding a teen to your insurance policy:
- Your average household car insurance premium could rise by up to 152%
- The average increase is 129% for girls compared to 176% for boys
- The increase in rates in California can rise to as high as 200%
This is something to carefully remember that..
If your teen gets a ticket it will likely be raised between 5% and 20% as all driving records on the same policy are affected when a violation occurs.
When contacting your insurance company to add your teen to your policy insist on getting all the details regarding special rates and multi-car discounts. If you are shopping for a new policy you can add your teen when signing up.
An alternative may pay off in future:
A teen can buy their own insurance but state laws vary and some may require a parent to co-sign. Although the rates will be high, it is a great time for your teen to start their own relationship with an insurance provider.
2. Reduced Costs through Higher Grades
One way for your teen to receive discounted car insurance is to keep up their grades. High school teens, as well as university students with an average 3.0 grade or higher, are eligible for a discount. For those who are working, many occupations allow insurance discounts including the military, emergency services, and most government positions.
3. The Type of Car Driven
The less risk the car your teen will drive poses to the insurance provider the lower the premiums will be. For example, it will cost less to insure an older car, and a larger car with four doors will be cheaper to insure than a two-door sports car. Certain safety features on the vehicle as well as a vehicle that scores well on highway safety tests will also lower the premium.
4. Tailor the Policy to Your Particular Needs
One of the best ways to keep insurance low for an 18-year old is to only include the basic benefits needed. Dropping unnecessary coverage, reducing the miles driven, and adjusting deductibles are all ways to reduce premiums.
For example, you can raise the deductible from $250 to $500, take advantage of low-mileage insurance, and drop the collision coverage if the car is not financed which are all ways to manage the level of insurance rates for a teen.