The vehicle model you are insuring is probably the most important factor when comparing quotes for the best cheap auto insurance for 20 year old women. Vehicles with lots of speed or power, poor safety features, or a high likelihood of having liability claims will cost more to insure than safer, lower-performance models. The data below illustrates coverage prices for a selection of the most affordable automobiles to insure.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Ford Escape XLT 4WD||$2,693|
|Honda CR-V EX 4WD||$2,699|
|Jeep Wrangler Sport 4WD 2-Dr||$2,766|
|Toyota Tacoma 4WD||$2,977|
|Ford Explorer XLT 4WD||$2,986|
|Volkswagen Jetta 2.0T Station Wagon||$3,072|
|Ford Edge Limited 2WD||$3,107|
|Chevrolet Equinox LS 2WD||$3,147|
|Ford Fusion S 4-Dr Sedan||$3,156|
|Toyota RAV4 Sport 4WD||$3,147|
|Jeep Grand Cherokee Laredo 2WD||$3,153|
|Chevrolet Impala LT||$3,147|
|Chevrolet Malibu Hybrid||$3,157|
|Chevrolet Silverado LT Extended Cab 4WD||$3,147|
|Dodge Grand Caravan Crew||$3,187|
|Ford F-150 XLT Crew Cab 4WD||$3,192|
|Dodge Ram Quad Cab ST 2WD||$3,222|
|Honda Civic VP 4-Dr Sedan||$3,276|
|Hyundai Elantra GLS 4-Dr Sedan||$3,316|
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Above prices assume 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. Prices do not factor in specific Houston, TX garaging location which can raise or lower coverage rates considerably.
Looking at the rates, you can assume that models like the Ford Escape, Honda CR-V, Jeep Wrangler, Toyota Prius, and Toyota Tacoma should be some of the cheapest vehicles to insure for young women. Rates will tend to be more expensive just because there is more claim exposure for 20 year old women, but overall those particular models will tend to have the lowest prices available.
Trying to find affordable auto insurance is hard enough, and finding out which companies quote the cheapest insurance rates for 20 year old women involves even more rate comparisons. Each insurance company uses a little different formula to set policy rates, so we need to take a look at the lowest cost insurance companies in Houston, TX.
Best Insurance Companies for Women Age 20
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,211|
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Travelers quotes some of the lowest car insurance rates in Houston at around $1,010 per year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the cut as some of the best Houston, TX auto insurance companies.
As shown above, if you buy coverage from USAA and switched to Travelers, you might achieve annual savings of around $85. Drivers with Texas Farm Bureau might save as much as $201 a year, and Germania Mutual customers might cut rates by $246 a year.
If you want to find out if you’re overpaying, click here to begin a quote or feel free to get quotes from the companies below.
Remember that these rates are averages across all insureds and vehicles and are not factoring in an exact zip code location for 20 year old women. So the auto insurance company that has the lowest price for you may not even be in the top 23 companies in the list above. That illustrates why you need to compare prices as often as possible using your own specific driver and vehicle information.
Picking a highly-rated car insurance company can be rather challenging considering how many companies provide coverage in Texas. The company rank data displayed below could help you choose which auto insurance companies you want to consider putting your business with.
These rankings are for companies who write in the majority of U.S. states, so companies with more of a regional focus are not included in the list. To get price quotes from these companies and more, follow this link.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Careless Houston drivers pay higher rates
The best way to receive good insurance premiums in Houston for young women is to drive attentively and avoid traffic citations and accidents. The information below illustrates how traffic citations and at-fault fender-benders can drive up insurance premiums for each age group. The data assumes a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.
In the chart above, the average cost of an auto insurance policy in Texas per year with no accidents or violations is $2,289. Get one speeding ticket and the average cost swells to $2,664, an increase of $375 each year. Then add in two accidents along with the one speeding ticket and the yearly cost of insurance for 20 year old women increases to an average of $5,808. That’s an increase of $3,519, or $293 per month, just for not being attentive to the road!
Discount Houston insurance
Insurers that offer cheap quotes for 20 year old women may have price discounts that can lower rates by as much as 35% if you can meet the requirements. A few of the larger companies and the discounts they provide can be found below.
- Progressive discounts include homeowner, continuous coverage, multi-vehicle, online signing, multi-policy, online quote discount, and good student.
- The Hartford may have discounts that include driver training, good student, air bag, bundle, vehicle fuel type, and anti-theft.
- Mercury Insurance includes discounts for type of vehicle, professional/association, accident-free, ease of repair, location of vehicle, age of vehicle, and anti-theft.
- GEICO may include discounts for military active duty, emergency military deployment, seat belt use, good student, multi-policy, membership and employees, and daytime running lights.
- AAA may offer discounts for good student, multi-car, good driver, anti-theft, and pay-in-full.
- State Farm has discounts for accident-free, Steer Clear safe driver discount, student away at school, good driver, multiple policy, and anti-theft.
The information below illustrates the comparison of insurance prices with and without discounts. The rate quotes are based on a female driver, no accidents or driving violations, Texas state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with good student, vehicle safety, paperless filing, anti-theft, paid-in-full, and continuous coverage discounts applied. In this example, theamount saved on insurance for 20 year old women is 21% or $488.
You are probably paying too much for car insurance
Texas insurance rates are based on many factors that can increase the price you have to pay. Simply having another birthday, adding a teenager to your policy, or getting a DUI can produce rate changes that can make some companies affordable when they were higher priced. And not only may your rating factors change, but insurers modify pricing without warning as an adjustment for underwriting gains or losses. A period of higher than normal claims may result in more expensive prices, while long-term profits may result in cheaper Houston car insurance rates.
To illustrate this point, the graph below shows which companies have the cheapest car insurance in Houston, TX for a 35-year-old female driver with a clear driving record, no claims, and excellent credit. When comparing rates based on her personal profile, Travelers quotes the lowest car insurance rates in Houston at $1,259 annually. This is $645 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are the rest of the cheapest Houston, TX auto insurance companies.
In this example, we will give the driver in the first chart a couple of claims, a little lower credit rating, and a traffic ticket or two. Because each company uses their own calculation for determining prices, comparing rates may now show a different list of the cheapest companies as shown below.
Mercury now has the cheapest insurance rate in Houston with State Farm, USAA, Nationwide, and Safe Auto also having competitive pricing. This example proves why it is critical to take the time to shop around when trying to get the most economical insurance rates for 20 year old women. Insurance rates can be altered by many risk factors and change substantially, so the most affordable company when you last compared rates may now be priced much higher than other options.
The insurance agencies below can most likely help you make a decision which policy fits your needs best, since lots of drivers aren’t clear which coverage they need and would like to get some help when comparing insurance rates for young women. It’s not always easy to find coverage yourself, and a professional agent can give you peace of mind knowing your coverage gives you enough protection.
To find a Houston insurance agency closest to you, click the button following the list or click here to get price quotes now.
Ben Speer – State Farm Insurance Agent
1110 E NASA Pkwy Ste 300 – Houston, TX 77058 – (281) 204-8282
Duckworth Insurance Agency
3824 Broadway St – Houston, TX 77017 – (713) 645-1500
Dean and Draper Insurance Agency, LP
3131 W Alabama St #150 – Houston, TX 77098 – (713) 527-0444
Kingspoint Insurance Agency, Inc.
11200 Westheimer Rd #850 – Houston, TX 77042 – (713) 850-1660