The car, truck, or SUV you are insuring is a large factor when comparing quotes for affordable coverage for 20 year old women. Vehicles with high performance features, a lack of advanced safety features, or high incidents of liability claims will cost significantly more to insure than safer, lower-performance models.
The table below features insurance costs for a selection of the cheapest vehicles to insure in Texas.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $2,564 |
| Honda CR-V LX 4WD | $2,572 |
| Honda Accord EX-L 4-Dr Sedan | $2,770 |
| Toyota Prius | $2,809 |
| Ford F-150 XLT Regular Cab 2WD | $2,838 |
| Honda Odyssey LX | $2,845 |
| Toyota Tacoma 4WD | $2,877 |
| Jeep Wrangler Sahara 4WD 2-Dr | $2,886 |
| Dodge Grand Caravan CV | $2,877 |
| Ford Edge SEL 2WD | $3,005 |
| Toyota RAV4 Sport 2WD | $3,044 |
| Nissan Altima 2.5 4-Dr Sedan | $3,053 |
| Chevrolet Malibu LS | $3,044 |
| Jeep Grand Cherokee Laredo 2WD | $3,051 |
| Ford Explorer Limited 2WD | $3,083 |
| Ford Focus SEL 4-Dr Sedan | $3,169 |
| Honda Civic VP 4-Dr Sedan | $3,175 |
| Chevrolet Impala LTZ | $3,208 |
| Hyundai Elantra GLS 4-Dr Sedan | $3,215 |
| Toyota Corolla XRS | $3,248 |
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Prices based on single female driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate information does not factor in specific garaging location which can change prices noticeably.
Based upon the rates shown, models like the Ford Escape, Honda CR-V, Honda Accord, Toyota Prius, and Ford F-150 are a few of the cheaper vehicles to insure for young women. Auto insurance rates will tend to be higher just due to the fact that there is more inherent risk for 20 year old women, but overall those vehicles will most likely have the cheapest car insurance rates compared to all other vehicles.
Establishing which insurers offer the lowest-priced insurance rates for 20 year old women will require a little more work in order to find coverage that fits your budget.
Each auto insurer has their own guidelines to determine premium rates, so we’ll take a look at the insurance companies with the overall best prices in Texas. It’s a good idea to be aware that Dallas insurance rates are calculated based on many things that can increase the price of your policy. Simply having a birthday, becoming a homeowner, or getting a driving violation may cause policy rate changes that may make certain companies cheaper than competitors.
Lowest Insurance Price Quotes for Women Age 20
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,041 |
| 2 | USAA | $1,128 |
| 3 | Texas Farm Bureau | $1,235 |
| 4 | Germania Mutual | $1,282 |
| 5 | Esurance | $1,421 |
| 6 | California Casualty | $1,438 |
| 7 | Mercury | $1,461 |
| 8 | State Farm | $1,510 |
| 9 | Safe Auto | $1,597 |
| 10 | Nationwide | $1,600 |
| 11 | Progressive | $1,647 |
| 12 | Allstate | $1,701 |
| 13 | Amica | $1,705 |
| 14 | Home State | $2,071 |
| 15 | GEICO | $2,156 |
| 16 | MetLife | $2,227 |
| 17 | Encompass | $2,255 |
| 18 | Unitrin | $2,333 |
| 19 | 21st Century | $2,396 |
| 20 | Titan | $2,568 |
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Travelers has some of the best car insurance rates in Dallas at around $1,041 annually. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the cut as some of the cheapest Dallas, TX car insurance companies.
In the above rates, if you currently have coverage with Germania Mutual and switched to Travelers, you may realize an annual premium reduction of roughly $241. Texas drivers with Esurance might save as much as $380 a year, and California Casualty insureds might lower prices by $397 a year.
Remember that these policy rates are averages for all types of drivers and the different vehicles they drive and do not factor in an exact location for 20 year old women. So the auto insurance company that fits you best may not even be in the top 23 companies shown above. That emphasizes why you need to compare as many prices as possible using your own driver data and vehicle information.
For young women, one of the more important considerations that aid in calculating the amount you pay for auto insurance is where your car is garaged. Areas with a lot of weather claims or more people are more likely to pay higher prices, whereas areas with lower vehicle theft rates and fewer weather claims have the gratification of cheaper auto insurance rates.
The table below ranks the most expensive cities in Texas for 20 year old women in which to purchase auto insurance. Dallas makes the list at #3 with an annual premium of $1,893 for the average policy, which is about $158 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | McAllen | $2,016 |
| 2 | Laredo | $1,907 |
| 3 | Dallas | $1,893 |
| 4 | Amarillo | $1,858 |
| 5 | Houston | $1,853 |
| 6 | Brownsville | $1,851 |
| 7 | Mesquite | $1,825 |
| 8 | Pasadena | $1,812 |
| 9 | Grand Prairie | $1,793 |
| 10 | Garland | $1,778 |
| 11 | Beaumont | $1,772 |
| 12 | Irving | $1,736 |
| 13 | San Antonio | $1,722 |
| 14 | Lubbock | $1,682 |
| 15 | Austin | $1,676 |
| 16 | Carrollton | $1,647 |
| 17 | Arlington | $1,642 |
| 18 | Corpus Christi | $1,636 |
| 19 | Fort Worth | $1,621 |
| 20 | McKinney | $1,609 |
| 21 | Plano | $1,576 |
| 22 | El Paso | $1,568 |
| 23 | Waco | $1,522 |
| 24 | Killeen | $1,518 |
| 25 | Abilene | $1,499 |
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Rates are approximated as vehicle location can modify rates noticeably.
The example below highlights how deductible choice can change premium costs when quoting cheap insurance for 20 year old women. The prices are based on a married female driver, full physical damage coverage, and no policy discounts are applied.
The data above shows that a 30-year-old driver could lower their policy premium by $302 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $456 by choosing a $1,000 deductible. Younger drivers, like the age 20 example, could save as much as $646 annually just by choosing higher deductibles when buying full coverage. If you do make the decision to raise your deductibles, it is necessary to have enough savings set aside to allow you to pay the extra out-of-pocket expense associated with higher deductibles.
Rate comparison of full coverage and liability-only
Finding the cheapest insurance is the goal of most people, and an easy way to pay less for insurance for 20 year old women is to not insure for full coverage. The diagram below shows the difference between car insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums are based on no claims, a clean driving record, $1,000 deductibles, single status, and no policy discounts are applied.
If the expense is averaged for all age categories, full coverage on your policy costs an additional $1,598 per year more than just buying liability only. That may make you wonder if buying full coverage is a good investment. There is no written rule to exclude full coverage, but there is a general guideline you can use. If the yearly cost for physical damage coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.
For example, let’s say your vehicle’s settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is severely damaged, you would only receive $8,000 after paying your policy deductible. If premiums are more than $800 a year to have full coverage, then you might consider buying liability only.
Texas insurance company ratings
Selecting the right auto insurance company can be a challenge considering how many companies are available to choose from in Texas. The company information in the next section could help you analyze which insurers you want to consider when comparing rate quotes. These ratings include large, nationwide insurance companies, so companies that may only write in Texas are not taken into consideration for the list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
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Data Source: Insure.com Best Car Insurance Companies
How to find budget-friendly insurance for 20 year old women
Below you’ll find some thrifty suggestions that can help you find low-cost coverage.
- Serious violations like DUI or careless driving can make car insurance unaffordable
- Remain accident-free and save
- Increase physical damage deductibles
- Do not waste money insuring older vehicles for full coverage
- Avoid filing excessive claims
- Shop around and save
The last item on the list is notably critical, as we discussed in this article. Prices charged by companies fluctuate constantly, so drivers shouldn’t be resistant to switch to a new company if you can save money. Being loyal to a particular company is commendable, but it’s not a great idea if your bullheadedness ends up costing you a small fortune year after year. Take a couple minutes and compare rates to find cheaper insurance for 20 year old women in Dallas.