How Much is Car Insurance for Teenage Females in Virginia Beach?

This would be a really short article if we could just give you the name of the one car insurance company that has the cheapest coverage in Virginia. It’s not that simple, unfortunately, as there are a whole bunch of unknown factors such as the amount of liability coverage you want, how far you drive each year, if you have points on your license, and the safety features built into your vehicle, that all impact the price you pay. We will try to cover the causes of high insurance rates and will hopefully give you a good start to your coverage search.

For teen girls, one of the largest components that determine auto insurance rates is where you normally keep your vehicle in Virginia Beach. Areas with more people or higher crime rates are more likely to pay higher prices, whereas areas that tend to be more rural receive better rates.

The following table sorts the most expensive areas in Virginia for teenage females to purchase auto insurance in. Virginia Beach is ranked #12 with an annual premium of $948 for the average policyholder, which is about $79 per month.

How much is auto insurance in Virginia Beach, VA?
Rank City Annual Premium
1 Burke $1,057
2 Centreville $1,037
3 Alexandria $1,036
4 Dale City $1,028
5 McLean $1,025
6 Richmond $1,015
7 Lake Ridge $1,012
8 Arlington $1,003
9 Tuckahoe $967
10 Norfolk $960
11 Reston $954
12 Virginia Beach $948
13 Hampton $943
14 Danville $940
15 Chesapeake $935
16 Portsmouth $934
17 Leesburg $931
18 Newport News $930
19 Suffolk $928
20 Ashburn $893
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Rate information is estimated as zip code location can increase or decrease rates noticeably.

Deciphering which companies offer the cheapest car insurance rates for teenage females takes a little more effort in order to find the lowest price quote. Each insurance company has a proprietary formula for establishing rates, so let’s take a look at the car insurance companies that tend to have lower prices in Virginia Beach.

It’s important to know that Virginia car insurance rates are impacted by many things which can substantially change the cost of your policy. Simply having another birthday, buying a new vehicle, or getting a ticket for running a stop sign can trigger price changes resulting in some companies being cheaper than others.

Best Insurance Companies for Teens

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Virginia car insurance ranked by cost per year
Rank Company Cost Per Year
1 Travelers $653
2 USAA $695
3 Penn National $718
4 Cincinnati Insurance $733
5 Utica National $758
6 Auto-Owners $781
7 Erie $788
8 The Hartford $801
9 Virginia Farm Bureau $810
10 Donegal Mutual $886
11 Nationwide $935
12 Allied $992
13 ALFA $1,018
14 GEICO $1,036
15 National Grange Mutual $1,060
16 Chubb $1,112
17 State Farm $1,143
18 Electric $1,180
19 Progressive $1,246
20 Amica $1,267
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Travelers may offer some of the most affordable car insurance rates in Virginia Beach at around $653 annually. This is $505 less than the average price paid by Virginia drivers of $1,158. USAA, Penn National, Cincinnati Insurance, and Utica National also qualify as some of the cheapest Virginia Beach, VA insurance companies.

As the rates illustrate above, if you are currently insured with Cincinnati Insurance and switched to Travelers, you may realize yearly savings of around $80. Drivers with Utica National could save as much as $105 a year, and Auto-Owners policyholders might reduce rates by $128 a year.

To find out how your current rates compare, click here to start a quote or feel free to get quotes from the companies below.

Understand that those policy rates are averaged for all drivers and vehicles and are not factoring in a vehicle location for teenage females. So the insurer that fits your needs best may not even be in the top 30 companies in the list above. That points out the importance of why you need to compare rates from multiple companies using your own personal information and vehicle type.

The type of vehicle driven is a significant factor when looking for cheaper insurance for teenage females. Vehicles with lower performance, good crash test ratings, or a low likelihood of having liability claims will cost substantially less to insure than high performance models. The next table showcases auto insurance prices for a number of the cheapest automobiles to buy coverage for.

Cheapest Vehicles to Insure in Virginia Beach, VA
Insured Vehicle Estimated Cost for Full Coverage
Hyundai Elantra GLS Touring Station Wagon $4,432
Honda Accord LX-P 4-Dr Sedan $4,437
Honda CR-V EX-L 2WD $4,473
Ford Escape Limited 4WD $4,741
Volkswagen Jetta S 2.5 Station Wagon $4,749
Toyota Prius $4,782
Ford F-150 STX Regular Cab 2WD $4,947
Ford Explorer XLT 2WD $4,988
Toyota Tacoma 4WD $4,995
Ford Edge SEL 2WD $5,216
Honda Odyssey EX $5,226
Jeep Grand Cherokee Laredo 2WD $5,257
Dodge Grand Caravan Hero $5,266
Chevrolet Equinox LT 2WD $5,257
Chevrolet Impala LT $5,262
Toyota RAV4 Limited 4WD $5,257
Chevrolet Malibu LT $5,297
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Data based on single female driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Virginia minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium costs do not factor in specific location which can modify premium rates greatly.

Based upon these rates, you can conclude that cars like the Hyundai Elantra, Honda Accord, Honda CR-V, and Ford Escape are likely to be a few of the most economical vehicles to insure for teen girls. The price for an auto insurance policy will be higher anyway because there is more exposure for teenage females, but generally speaking those vehicles will tend to have the lowest insurance prices that you’ll find.

The diagram below demonstrates how deductible levels can impact yearly insurance costs when quoting cheap insurance for teenage females. The rate quotes are based on a single female driver, full coverage, and no policy discounts are applied.

A 40-year-old driver could save $276 a year by switching from a $100 deductible up to a $500 deductible, or save $414 by switching to a $1,000 deductible. Youthful drivers, like the Age 20 chart data, have the ability to save $708 annually just by choosing higher deductibles when buying full coverage. When choosing a higher deductible, it will be required to have enough savings to be able to cover the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Discounts on Virginia Beach auto insurance

Cheaper Virginia Beach, VA car insurance for teen girlsInsurance companies that provide policies for teenage females may also provide premium discounts that could reduce prices by as much as 35% if you meet specific eligibility requirements. A few of the larger companies and some of the premium reductions they offer are shown below.

The diagram below shows the difference between insurance premiums with and without policy discounts. The price estimates are based on a female driver, no driving violations, no at-fault accidents, Virginia state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with vehicle safety, anti-theft, passive restraint, paid-in-full, continuous coverage, and good student discounts applied. When taking advantage of discounts, theaverage yearly reduction on car insurance for teenage females is 28% or $457.

Impact of speeding/accidents on Virginia Beach car insurance rates

The common sense way to score low car insurance rates for teen girls is to drive attentively and avoid accidents and traffic violations. The example below illustrates how speeding tickets and at-fault fender-benders can influence insurance prices for different categories of driver ages. The information is based on a married male driver, comp and collision included, $500 deductibles, and no discounts are applied.

In the chart above, the average cost of auto insurance in Virginia per year with no accidents or violations is $1,382. Factor in one speeding ticket and the average cost surges to $1,589, an increase of $207 each year. Now add in two accidents along with the one speeding ticket and the yearly cost of car insurance for teenage females goes up to an average of $3,460. That’s an increase of $2,078, or $173 per month, just for not driving safely!

If you like to get some professional input when shopping around for cheaper insurance for teen girls, the agents listed below are a good start to aid you in deciding which car insurance policy is best.

To find an auto insurance agency nearest to you, click the button following the list or click here to compare rates now.

Bunn Insurance Agency Inc
1248 Culver LnVirginia Beach, VA 23454(757) 426-2664

Nationwide Insurance: Guzman Insurance Agency Inc
1920 Centerville Turnpike Ste 97Virginia Beach, VA 23464(757) 479-0551

Toby Leffel Insurance Agency
921 First Colonial Road #1703Virginia Beach, VA 23454(757) 481-9105

Hy Dress – State Farm Insurance Agent
1517 Lynnhaven Pkwy #101Virginia Beach, VA 23453(757) 427-1987

State Farm: Paula Faivre
2052 S Independence Blvd #007Virginia Beach, VA 23453(757) 340-3999

View more Virginia Beach, VA insurance agents

How to find low-cost insurance for teenage females

Here are many penny-pinching solutions that can help you locate cheap coverage.

That last idea is remarkably critical, as was noted in this article. Prices can be adjusted at any time, so don’t be tentative to buy a policy from a new company if you find a cheaper price.

Having a favorite company is great, but it’s not a great idea if that devotion results in you overpaying hundreds of dollars a year. Take a few minutes and shop around to find cheaper insurance for teenage females in Virginia Beach.