Deciphering which company has the best auto insurance rates for teenage females will require more time than just comparing rates from one or two companies. Every auto insurer has a unique formula for determining rates in each state, so let’s look at the rankings for the auto insurance companies with the most affordable rates in Detroit.
Best Auto Insurance Prices for Teens
|Rank||Company||Cost Per Year|
|7||Pioneer State Mutual||$1,488|
|18||Auto Club Group||$2,391|
|Quote Your Rates Go|
USAA offers some of the cheapest car insurance rates in Detroit at around $958 each year. This is $1,435 less than the average price paid by Michigan drivers of $2,393. GEICO, Safeco, MetLife, and Chubb are also some of the more affordable Detroit, MI auto insurance companies.
In the above rates, if you currently buy coverage from Chubb and switched to GEICO, you might realize a yearly savings of about $353. Customers with MEEMIC could save as much as $375 a year, and Pioneer State Mutual insureds might cut rates by $455 a year.
It’s important to note that these premiums are averages across all insureds and vehicles and and are not figured with a specific vehicle garaging location for teenage females. So the car insurance company that has the cheapest rates for you may not even be in the top 30 companies in the list above. That is why you need to compare as many prices as possible using your own specific driver and vehicle information.
The vehicle model you are seeking coverage for is a large factor that determines whether or not you find the cheapest car insurance for teenage females. Vehicles with lots of speed or power, poor safety features, or a track record of large liability claims will cost much more to insure than safer models.
The next list shows coverage rates for a selection of the more affordable vehicles to buy coverage for.
|Make and Model||Estimated Cost for Full Coverage|
|Honda Accord LX 4-Dr Sedan||$15,801|
|Ford Escape XLT 2WD||$15,811|
|Honda CR-V EX-L 2WD||$15,946|
|Ford F-150 XL Regular Cab 2WD||$16,674|
|Hyundai Elantra SE Touring Station Wagon||$16,910|
|Chevrolet Silverado LS Regular Cab 4WD||$17,634|
|Jeep Wrangler Sahara 4WD 2-Dr||$17,778|
|Chevrolet Impala LS||$18,597|
|Chevrolet Malibu Hybrid||$18,742|
|Chevrolet Equinox LT AWD||$18,749|
|Toyota RAV4 Sport 4WD||$18,742|
|Toyota Camry LE||$18,748|
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Data based on single female driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Michigan minimum liability limits. Discounts applied include claim-free, and safe-driver. Price information does not factor in vehicle garaging location which can increase or decrease insurance rates considerably.
By looking at the data, you can expect cars like the Honda Accord, Ford Escape, Honda CR-V, Ford F-150, and Hyundai Elantra are most likely going to be a few of the cheapest vehicles to insure for teen girls. Prices will tend to be higher because there is more claim risk for teenage females, but generally speaking those vehicles will tend to have the best insurance prices compared to all other vehicles.
For teen girls, one of the big factors that help determine the annual cost of car insurance is where you live. Regions with more people or even just more weather-related claims tend to have higher rates, whereas areas with less crime or weather claims benefit from lower prices.
The next table shows the most expensive areas in Michigan for teenage females to buy car insurance in. Detroit is ranked #1 with an annual cost of $4,862 for the average insurance policy, which is around $405 per month.
|Rank||City||Average Per Year|
|11||St. Clair Shores||$2,736|
|Find Cheaper Insurance Go|
Rates are comparative as the specific area where the vehicle is garaged can increase or decrease coverage prices substantially.
Which auto insurance company is best in Detroit?
Finding a good quality company can be a challenge considering how many companies sell insurance in Michigan. The ranking data in the next section can help you choose which car insurance companies to look at when comparing rate quotes.
These ratings are for companies that insure vehicles across America, so companies that may only write in Michigan are not included in the list. To get price quotes from the most competitive companies in Michigan, just click here.
Top 10 Large Auto Insurance Companies Overall in Detroit
- The Hartford
- State Farm
- Farmers Insurance
- Safeco Insurance
- 21st Century
- Liberty Mutual
- AAA Insurance
Top 10 Large Auto Insurance Companies in Detroit Ranked by Claims Service
- Liberty Mutual
- State Farm
- The Hartford
- 21st Century
- Farmers Insurance
Violations and accidents raise rates
The recommended way to receive low auto insurance prices in Michigan for teen girls is to be a careful driver and avoid at-fault accidents and violations. The chart below highlights how traffic violations and at-fault fender-benders can raise insurance rates for different categories of driver ages. The premiums assume a married female driver, full coverage, $1,000 deductibles, and no discounts are applied.
In the previous chart, the average cost of auto insurance in Michigan per year with no accidents or violations is $2,927. Get two speeding tickets and the average cost increases to $4,153, an increase of $1,226 each year. Now include two accidents along with the two speeding tickets and the annual cost of auto insurance for teenage females jumps again to an average of $9,310. That’s an increase of $6,383, or $532 per month, just for not being more responsible behind the wheel!
What aren’t you shopping around?
Detroit, MI auto insurance rates are determined by lots of factors which can significantly increase or decrease the price of your policy. Improving your credit score, having a claim, or having a fender bender can cause premium changes that can now make some companies cheaper than before. In addition to those changes, car insurance companies modify rates at least once a year as an adjustment for underwriting gains or losses. A period of higher than normal claims may cause more expensive premiums, while long-term profits may result in lower-cost Detroit car insurance rates.
To illustrate this example, the bar chart below shows which companies have the cheapest car insurance in Detroit, MI for a 35-year-old male driver with no violations or accidents, and a good credit rating. Based on his personal risk profile, USAA offers the cheapest car insurance rates in Detroit at $2,234 per year. This is $159 less than the average policy premium paid by Michigan drivers of $2,393. GEICO, Safeco, MetLife, and Chubb are the remaining cheapest Detroit, MI auto insurance companies.
In the next rate comparison, we’ll give the driver from above some claims, a lower credit rating, and a traffic ticket or two. Since each insurance company uses a different method for filing rates in each state, comparing quotes most likely will result in a different ranking of affordable companies as shown below.
Safeco now has the best car insurance rate in Detroit, MI with GEICO, Pioneer State Mutual, Hastings Mutual, and USAA completing the list. This illustrates why it is important to shop around with many companies to find the best insurance rates for teenage females.
Auto insurance prices can be determined by many things and can increase or decrease at any time, so the most affordable company a year ago may now not even be in the top five.
The agents listed below are a good start to answer your questions and help you decide which coverages and limits you need, since some drivers have questions and prefer to have the advice of a professional agent when buying car insurance for teenage females. It can be difficult to find the cheapest auto insurance company, and using a licensed agent can add comfort knowing your coverage gives you adequate asset protection. To locate a Detroit auto insurance agent closest to you, click the link after the list or click here to compare prices now.
- Premier Insurance
16119 W Warren Ave – Detroit, MI 48228 – (313) 582-1500
- Allstate Insurance: Ago Benavides
3570 W Vernor Hwy – Detroit, MI 48216 – (313) 849-2000
- Angela Hughes – State Farm Insurance Agent
14511 W McNichols Rd – Detroit, MI 48235 – (313) 862-7800
- L.A. Insurance Agency
15607 Grand River Ave – Detroit, MI 48227 – (313) 835-4000
- Soboh Insurance
16800 W Warren Ave – Detroit, MI 48228 – (313) 581-3400
How to find low-cost auto insurance for teenage females
It’s not impossible to find cheaper rates, and here are a few thrifty ideas that can help you buy cheaper coverage.
- Higher deductibles save money
- Save money by insuring older vehicles for liability only
- Speeding tickets and other violations increase rates
- Frequent claims may make car insurance unaffordable
- At-fault accidents can raise rates significantly
- Look for cheaper rates once a year by shopping around
The last suggestion is extremely necessary, as we stressed in the prior article. Insurance rates in Detroit go up and down frequently, so don’t be afraid to switch to a new company if a better deal can be had.
Brand loyalty is not necessarily bad, but it’s not a great idea if that faithfulness ends up costing you hundreds of dollars a year. Take a few minutes and shop around and find cheaper car insurance for teenage females.