Auto Insurance For Teen Girls In Pennsylvania: What's The Cost?

Auto insurance for a 16-year-old girl in Pennsylvania is likely to be expensive. The average cost of car insurance for a 16-year-old girl in the state is $6,782 if she has her own policy, but this can be reduced to $4,144 if she is added to a parent's policy. The average cost of car insurance for a 16-year-old male in Pennsylvania is $7,625 for their own full-coverage policy per year. The cheapest car insurance companies for a 16-year-old girl with her own policy in Pennsylvania include Island, Erie, Mapfre, North Carolina Farm Bureau, and State Farm.

Average car insurance costs for 16-year-old males and females

The average cost of car insurance for a 16-year-old in Pennsylvania is $4,769 per year. This figure is for an individual policy, and the cost is significantly lower if the 16-year-old is added to a family policy. For example, adding a 16-year-old male to a family policy costs an average of $2,589 per year, while an individual policy for the same demographic costs $4,775 per year.

Pennsylvania is one of a handful of states that prohibits car insurance companies from considering gender when setting premiums. Despite this, male drivers still tend to pay higher rates than female drivers. For instance, in Pennsylvania, men spend 9% more on average than women for full-coverage policies.

The Zebra reports that the average annual cost of car insurance for a 16-year-old in Pennsylvania is $4,769, while the cost for a client in their 50s is $1,216 per year.

Average car insurance rates for 16-year-olds by state

The cost of car insurance for 16-year-olds varies depending on the state in which they live. In some states, gender is also a factor in determining rates. In California, Hawaii, Massachusetts, Michigan, North Carolina, and Pennsylvania, gender does not play a role in determining rates. However, in all other states, insurers may charge higher rates for male drivers due to the increased risk of accidents and claims associated with young male drivers.

The average cost of car insurance for a 16-year-old female driver in the United States is around $6,782 if she has her own policy and $4,144 if she is added to a parent's policy. For a 16-year-old male driver, the average annual cost is $7,625 for their own policy and $4,462 if added to a parent's policy.

The cheapest car insurance companies for 16-year-old female drivers with their own policies include Island, Erie, Mapfre, North Carolina Farm Bureau, and State Farm. For 16-year-old male drivers with their own policies, the cheapest companies include Island, North Carolina Farm Bureau, Mapfre, Erie, and Auto-Owners.

Adding a 16-year-old driver to a parent's policy can significantly increase the cost of insurance. The average cost of a married couple's car insurance policy with a 16-year-old child is $4,874, which is well above the national average for full coverage policies. The cheapest companies for adding a 16-year-old to a parent's policy include Erie, Nationwide, and Geico.

To save money on car insurance for 16-year-olds, parents can consider discounts such as good student discounts, driver training discounts, and safe driving agreements. It is also important to shop around and compare rates from different insurance companies, as rates can vary significantly.

Best car insurance companies for a 16-year-old

When it comes to finding the best car insurance for a 16-year-old, there are a few factors to consider. While price is often a priority, you may also want to look at coverage options, available discounts, and third-party rankings for customer service and financial strength. Here are some of the best car insurance companies for 16-year-olds in Pennsylvania:

• Travelers Insurance: Offers the cheapest car insurance rates in Pennsylvania, with an average annual cost of $249 for minimum liability policies and $907 for full-coverage plans. They also have a wide range of discount opportunities and coverage options, including accident forgiveness, rental car coverage, and gap insurance.
• Nationwide: Offers affordable rates, especially for drivers with poor credit. Their SmartMiles program calculates premiums based on a per-mile rate, making it a good option for those who don't drive often. They also have a variety of add-on coverage options and discounts, including accident-free, good student, and defensive driving discounts.
• State Farm: Offers ways for young drivers to save through their Drive Safe & Safe™ and Steer Clear® programs. They provide standard policies and optional coverages such as roadside assistance, trip interruption, and rental car reimbursement. State Farm also has rideshare insurance for those who drive for Uber or Lyft.
• Donegal Group Inc.: Offers some of the most affordable rates for seniors aged 65-75 in Pennsylvania. They provide standard insurance policies, rental car reimbursement, and towing reimbursement. Donegal also has discounts for multi-car, carpool, and safe driving.
• Erie Insurance: A regional provider operating in 12 states, including Pennsylvania. They offer affordable rates, a strong lineup of insurance discounts, and standard coverage options, including first accident forgiveness, rental car reimbursement, and rate lock.

Cheapest car insurance for 16-year-old drivers

Car insurance rates for 16-year-olds in Pennsylvania are higher than for older drivers, as teens are more prone to accidents due to their lack of experience on the road. The cheapest car insurance for 16-year-old drivers in Pennsylvania depends on the type of coverage desired.

Cheapest Minimum Coverage Insurance

According to MarketWatch, the cheapest minimum coverage insurance for 16-year-olds in Pennsylvania is offered by Travelers, at an average rate of $2,265 per year or $189 per month.

Cheapest Full Coverage Insurance

MarketWatch also found that Travelers offers the cheapest full coverage insurance for 16-year-olds, at an average rate of $2,265 per year or $189 per month.

Other Options

USAA also offers competitive rates for military members, veterans, and their families, though it is not available to the general public.

Factors Affecting Insurance Rates

It is important to note that insurance rates can vary based on factors such as age, gender, location, driving record, and credit score. Additionally, insurance companies use different algorithms to calculate premiums, so it is recommended to compare quotes from multiple providers to find the most affordable option.

How to save on car insurance for a 16-year-old

Adding a teenager to your car insurance policy is costly, but there are ways to save money. Here are some tips on how to reduce the financial burden of insuring a 16-year-old driver:

Shop around for insurance

The cost of insurance varies between providers, so it is worth getting quotes from several companies to find the most competitive rate. This is especially important when adding a teen driver to your policy, as rates can vary significantly between insurers.

Choose the right vehicle

The type of car your teenager drives can significantly impact your insurance premium. Generally, older, low-horsepower vehicles with good safety features are the most cost-effective options. Sedans are often cheaper to insure than sports cars or SUVs. If the car is old enough that you only need liability insurance, this will also reduce costs.

Assign safety features to your teen's vehicle

Parents of teen drivers can decrease insurance costs by assigning cars with more safety features to their children. Newer cars tend to have the most advanced safety technology, but well-maintained used cars will still have standard safety equipment.

Encourage good grades

Many insurance companies offer good student discounts, which can save you up to 20% on your premium. These discounts are usually available to students who maintain a B average or above. Some companies also offer discounts for students who take college classes or complete a defensive driving course.

Sign up for a telematics program

Telematics programs monitor your driving habits and reward safe practices with discounts. This can also encourage your teen to drive more responsibly, as they know they are being watched.

Look for other discounts

Insurers offer a range of other discounts that can help lower your premium. These may include multi-vehicle discounts, low mileage discounts, and student-away discounts for teens who attend college more than 100 miles from home and don't take a car with them.

Increase your deductible

Opting for a higher deductible can lower your premium, but make sure you can afford the out-of-pocket expense if you need to file a claim.

Bundle your policies

Bundling your car insurance with other policies, such as homeowners or renters insurance, can often lead to significant discounts.

Review your coverage annually

As your teen gains driving experience, you may be able to lower your coverage and save money. Regularly review and adjust your insurance to fit your current needs.

Safe driving agreement

While this may not directly reduce your insurance costs, a safe driving agreement can encourage your teen to drive responsibly and avoid accidents and tickets, which will help keep your rates down.

Frequently asked questions