The make and model of vehicle requiring coverage is a significant factor when comparing quotes for the best cheap coverage for teenagers. Vehicles with reasonable performance levels, a great safety record, or a low likelihood of liability claims will cost significantly less to insure than high performance models.
The next table ranks car insurance rates for a number of the cheapest vehicles to buy insurance for.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Honda Accord LX-P 4-Dr Sedan||$4,436|
|Hyundai Elantra GLS Touring Station Wagon||$4,444|
|Ford Escape XLT 2WD||$4,436|
|Honda CR-V EX-L 4WD||$4,477|
|Volkswagen Jetta S 2.5 Station Wagon||$4,748|
|Ford Explorer Eddie Bauer 2WD||$4,992|
|Ford Edge SE AWD||$5,222|
|GMC Sierra SLE Crew Cab 2WD||$5,263|
|Chevrolet Equinox LS 2WD||$5,272|
|Chevrolet Malibu LS||$5,263|
|Dodge Grand Caravan Hero||$5,271|
|Chevrolet Impala LT||$5,263|
|Toyota RAV4 Limited 2WD||$5,269|
|Ford F-150 XLT Crew Cab 4WD||$5,304|
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Cost estimates assume single female driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, and claim-free. Information does not factor in specific Pittsburgh, PA garaging location which can influence rates greatly.
Looking at the rates, we can presume that makes and models like the Honda Accord, Hyundai Elantra, Ford Escape, Honda CR-V, and Volkswagen Jetta are some of the less-costly vehicles to insure for teen drivers. Rates will tend to be more expensive anyway just due to the fact that there is more claim risk for teenagers, but overall those models will probably have the best rates compared to all other vehicles.
One of the more important factors that are used to help calculate the annual cost of car insurance is your address in Pittsburgh. Areas with high crime rates or more dense population tend to have more expensive auto insurance rates, whereas areas with lower crime rates and fewer weather claims have the luxury of lower rates.
The following table rates the most costly cities in Pennsylvania for teenagers to buy an auto insurance policy in. Pittsburgh is listed at #8 with the yearly price of $1,095 for coverage, which is around $91 monthly.
|Rank||City||Premium Per Year|
|16||Municipality of Monr||$1,049|
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Rates are approximated as the specific zip code location can revise insurance rates noticeably.
Bad driving habits will cost you more
The easiest method to snag affordable auto insurance rates in Pittsburgh for teen drivers is to be a good driver and not receive tickets or have accidents. The illustration below highlights how traffic violations and at-fault fender-benders raise yearly insurance costs for different age groups of insureds. Data assumes a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.
The chart shows that the average cost of auto insurance per year with no accidents and a clean driving record is $1,385. Add in two speeding tickets and the average cost increases to $1,821, an increase of $437 each year. Next add one accident along with the two speeding tickets and the 12-month cost of auto insurance for teenagers increases to an average of $2,263. That’s an increase of $879, or $73 per month, just for not paying attention while driving!
The information below shows how choosing a deductible can influence insurance prices when trying to find cheap insurance for teenagers. Data assumes a single female driver, full physical damage coverage, and no discounts are taken into consideration.
The data above shows that a 30-year-old driver could lower rates by $298 a year by increasing from a $100 deductible up to a $500 deductible, or save $450 by choosing a $1,000 deductible. Younger drivers, like the Age 20 category, could drop their prices up to $662 or even more just by choosing higher deductibles. If you make the decision to raise deductibles, it is essential to have enough in a savings account to allow you to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
Get discount Pittsburgh insurance
Insurance companies that provide coverage for teenagers may also offer rate discounts that could reduce prices by as much as 35% or more if you meet specific criteria. A few popular companies and some of their more popular discounts are shown below.
- Farmers Insurance has discounts for pay in full, switch companies, teen driver, multi-car, electronic funds transfer, mature driver, and bundle discounts.
- Esurance policyholders can earn discounts including good driver, homeowner, multi-policy, safety device, emergency road assistance, and online quote.
- State Farm offers discounts for student away at school, Steer Clear safe driver discount, anti-theft, defensive driving training, and multiple autos.
- GEICO offers discounts including emergency military deployment, air bags, multi-policy, seat belt use, military active duty, and defensive driver.
- Allstate may include discounts for auto/life discount, eSmart discount, premier plus, farm vehicle, defensive driver, and new car.
The information below illustrates the difference between yearly insurance costs with and without some available policy discounts. The rates are based on a female driver, no claims or driving citations, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.
The first bar for each age group shows the price with no discounts. The second bar shows the rates with anti-theft, passive restraint, paperless filing, good student, paid-in-full, and vehicle safety discounts applied. When drivers take advantage of discounts, the average savings per year on auto insurance for teenagers is 28% or $577.
Tips for buying budget-friendly insurance for teenagers
Below you’ll find a few thrifty suggestions that can help you get lower-cost car insurance.
- Multi-policy discounts save money
- Higher credit ratings may save you money
- Raise deductibles to save money
- Remain accident-free and save
- Save money by staying claim-free
- Ensure your driving record is clean
- Compare prices as often as possible
That final tip is certainly necessary, as was emphasized in this piece. Rates can be adjusted at any time, so don’t hesitate to switch to a new company if you find a cheaper price. Sticking with a specific company is fine, but is isn’t recommended if that loyalty ends up costing a considerable chunk of change every month. Take a few minutes and compare rates to find cheaper auto insurance for teenagers in Pittsburgh.
The Pittsburgh car insurance agencies listed below are a good start to aid you in deciding which coverages and limits you need, as some drivers aren’t sure which coverage they need and prefer to get help from a professional when buying car insurance for teenagers. It can be challenging to find coverage yourself, so using a licensed agent can add comfort knowing your policy gives you enough protection. To find a Pittsburgh insurance agency near you, click the button after the list or click here to compare price quotes now.
Rodgers Andrew F Insurance Agency Inc
Foster Plaza V, 651 Holiday Dr – Pittsburgh, PA 15220 – (412) 922-1651
Mike Dudenas – State Farm Insurance Agent
901 Castle Shannon Blvd – Pittsburgh, PA 15234 – (412) 561-5012
Joe Vojtas Agency – ERIE Insurance
9800B McKnight Rd #226 – Pittsburgh, PA 15237 – (412) 847-3743