For young women, one of the largest components that are used to help calculate the amount you pay for auto insurance is your zip code. More densely populated places likely pay more, whereas areas with lower crime rates and fewer weather claims receive better rates.
The following table ranks the highest-priced areas in California for 20 year old women in which to buy car insurance. Los Angeles is listed at #1 with an annual cost of $2,104 for the average policyholder, which is about $175 each month.
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Premium amounts are comparative as the specific geographic location can revise coverage prices considerably.
The type of vehicle you are seeking coverage for is a large factor when looking for the most affordable car insurance for 20 year old women. Vehicles with higher performance, poor safety ratings, or a history of substantial liability claims will cost more to insure than more economical and safe models. The information below estimates insurance prices for some of the more affordable vehicles to insure in California.
|Vehicle||Estimated Cost for Full Coverage|
|Ford Escape XLS 2WD||$4,767|
|Honda CR-V EX-L 4WD||$4,837|
|Hyundai Elantra SE Touring Station Wagon||$5,141|
|Honda Odyssey LX||$5,278|
|Ford F-150 XL Super Cab 4WD||$5,348|
|Dodge Grand Caravan CV||$5,353|
|Ford Edge SEL 2WD||$5,582|
|Chevrolet Impala LS||$5,589|
|Ford Fusion S 4-Dr Sedan||$5,652|
|Volkswagen Jetta LE 4-Dr Sedan||$5,661|
|Chevrolet Equinox LS 2WD||$5,652|
|Toyota RAV4 Limited 4WD||$5,659|
|Toyota Tacoma Double Cab 4WD||$5,722|
|Ford Explorer Eddie Bauer AWD||$5,731|
|Jeep Wrangler Unlimited Sport 2WD 4-Dr||$5,816|
|Ford Focus SEL 4-Dr Sedan||$5,889|
|Toyota Corolla S||$5,959|
|Nissan Altima 3.5 SR 4-Dr Sedan||$6,030|
|Jeep Grand Cherokee SRT-8 4WD||$6,038|
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Cost estimates assume single female driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Information does not factor in vehicle garaging location which can affect premium rates considerably.
Looking at the data, we can expect vehicles like the Ford Escape, Honda CR-V, and Hyundai Elantra will definitely be some of the cheapest vehicles to insure for young women. The price for an auto insurance policy will be higher anyway because of the fact that there is more liability risk for 20 year old women, but in general those models will most likely have the lowest insurance prices possible.
Buying coverage from a high-quality insurance company can be difficult considering how many different companies there are to choose from in California. The company ratings shown below could help you decide which car insurance providers to look at when comparing auto insurance rates for 20 year old women.
These rankings are for companies with a national presence, so companies that only write business in California or surrounding areas are not factored into these rankings. To view rates from the insurers below and more, click this link.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|AAA of Southern California||91||94||97||92%||A+||94.1|
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Data Source: Insure.com Best Car Insurance Companies
Discount Los Angeles auto insurance
Insurance companies that offer cheap quotes for 20 year old women could also offer price discounts that can reduce rates by as much as 25% or more if you are eligible to receive them. A list of insurance companies and some of the premium reductions they offer are included below.
- 21st Century may include discounts for 55 and older, early bird, student driver, anti-lock brakes, theft prevention, and driver training.
- State Farm discounts include defensive driving training, Drive Safe & Save, driver’s education, multiple policy, Steer Clear safe driver discount, multiple autos, and anti-theft.
- AAA includes discounts for good driver, anti-theft, AAA membership discount, multi-policy, and pay-in-full.
- Liberty Mutual offers discounts including multi-policy, teen driver discount, good student, new graduate, multi-car, and hybrid vehicle.
- Progressive policyholders can earn discounts including online quote discount, homeowner, multi-policy, online signing, and continuous coverage.
The chart below visualizes the comparison of insurance costs with and without discounts. The data assumes a male driver, no driving violations, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $500 deductibles.
The first bar for each age group shows premium with no discounts. The lower bar shows the rates with paid-in-full, passive restraint, continuous coverage, anti-theft, paperless filing, and good student discounts applied. When taking advantage of discounts, the average amount saved each year on insurance for 20 year old women is 19% or $525.
You may be paying too much for car insurance
California insurance rates are based on many factors which can substantially decrease or increase the price you have to pay for coverage. Getting older, getting divorced, or having an at-fault accident can produce rate changes resulting in some rates now being cheaper than competitors. Not only may your risk profile change, but insurance companies file new rates as often as every quarter in order to protect their financial rating. Heavier than normal losses can result in increased rates, while long-term profits can result in more affordable Los Angeles car insurance rates.
To illustrate this point, the chart below shows the cheapest car insurance in Los Angeles, CA for a 40-year-old female driver with a good driving record, no prior claims, and a good credit history. If we estimate rates based on her current risk factors, USAA might offer the lowest car insurance rates in Los Angeles at $1,853 each year. This is $202 more than the average price paid by California drivers of $1,651. Wawanesa, Nationwide, Century National, and CSAA are the remaining most affordable Los Angeles, CA auto insurance companies.
The example below compares rates after we give the driver from above a chargeable claim, a lower credit score, and a couple of points charged on her driving record. Because each company uses their own formula for determining rates, comparing insurance quotes could now result in a different list of the cheapest car insurance companies in Los Angeles as shown below.
Grange now has the best price on car insurance in Los Angeles with Allstate, Mercury, Allied, and Progressive completing the list. This demonstrates why California drivers need to perform an extensive rate comparison to get cheap car insurance quotes for 20 year old women.
Rates are impacted by many things and can change without notice, so the lowest-price company the last time you shopped your coverage around may now be wasting a lot of money.