Who Has the Cheapest Arlington Auto Insurance Rates for a 20 Year Old Female?

Shopping around for reasonably-priced car insurance is hard enough, and determining which insurers offer the best car insurance rates for 20 year old women requires a little more work. Every car insurance company has their own guidelines for determining prices, so let’s begin by taking a look at the lowest cost car insurance companies in Arlington, TX.

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What’s the cheapest car insurance in Texas?
Rank Company Cost Per Year
1 Travelers $1,041
2 USAA $1,128
3 Texas Farm Bureau $1,211
4 Germania Mutual $1,294
5 Esurance $1,365
6 California Casualty $1,424
7 State Farm $1,450
8 Mercury $1,506
9 Nationwide $1,538
10 Safe Auto $1,565
11 Allstate $1,650
12 Progressive $1,664
13 Amica $1,723
14 Home State $2,134
15 GEICO $2,156
16 MetLife $2,227
17 Encompass $2,255
18 Unitrin $2,264
19 21st Century $2,469
20 Titan $2,672
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Travelers generally has some of the best car insurance rates in Arlington at around $1,041 each year. This is $863 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also rank well as some of the best Arlington, TX auto insurance companies.

As the example above demonstrates, if you are currently insured with Germania Mutual and switched to USAA, you could realize savings of roughly $166. Customers with Esurance could save as much as $237 a year, and California Casualty insureds might lower prices by $296 a year.

It’s important to note that these rates are averaged across all insureds and vehicles and and are not calculated with a specific vehicle garaging location for 20 year old women. So the car insurance company that has the cheapest rates for you may not even be in the list above. That emphasizes why you need to get auto insurance quotes using your own driver and vehicle profiles.

The make and model of vehicle you are insuring is one of the main factors that determines whether or not you find low-priced coverage for 20 year old women. Vehicles with higher performance, poor crash test ratings, or high incidents of liability claims will cost more to insure than more economical and safe models. The information below shows coverage premiums for the more affordable vehicles to buy insurance for.

Cheapest Vehicles to Insure in Arlington, TX
Vehicle Insured Estimated Cost for Full Coverage
Honda CR-V LX 4WD $2,300
Honda Accord EX 4-Dr Sedan $2,305
Ford Escape Limited 4WD $2,483
Toyota Prius $2,515
Ford F-150 XL Regular Cab 4WD $2,580
Ford Edge SE AWD $2,694
Ford Focus S 4-Dr Sedan $2,701
Chevrolet Impala LS $2,694
Chevrolet Equinox LT AWD $2,729
Toyota RAV4 Limited 4WD $2,739
Jeep Grand Cherokee Laredo 4WD $2,729
GMC Sierra SL Extended Cab 2WD $2,739
Dodge Grand Caravan Hero $2,729
Volkswagen Jetta LE 4-Dr Sedan $2,739
Chevrolet Malibu LT $2,761
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Premium data assumes single female driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, and safe-driver. Rates do not factor in vehicle location which can modify price quotes greatly.

Looking at the data, we can conclude that makes and models like the Honda CR-V, Honda Accord, and Ford Escape will definitely be some of the most affordable vehicles to insure for young women. Car insurance rates will tend to be higher just because there is more claim risk for 20 year old women, but generally speaking those specific models will probably have the best insurance prices available.

Full coverage rates vs. liability-only in Arlington

Finding cheaper car insurance should be important to most vehicle owners, and one of the fastest ways to find cheap insurance for 20 year old women is to only pay for liability coverage. The information below illustrates the comparison of auto insurance costs with full physical damage coverage compared to only buying liability only. The premiums assume no claims or driving violations, $500 deductibles, single status, and no additional discounts are factored in.

If all age groups are averaged, full coverage costs an extra $1,963 per year more than carrying just liability coverage. Many drivers will wonder if physical damage coverage is worth the money. There is no clear-cut rule for eliminating physical damage coverage, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than 10% of the settlement you would receive from your company, then you might consider buying liability only.

Best car insurance in Arlington

Finding the best auto insurance provider is hard considering how many companies sell coverage in Texas. The company information below may help you select which auto insurance companies you want to consider when shopping car insurance rates for 20 year old women.

These ratings are for companies that insure vehicles nationwide, so companies with more of a regional focus are not taken into consideration for the list. To compare prices from the insurers below and more, follow this link.

Top 10 Major Car Insurance Companies in Arlington Ranked by A.M. Best Rating

  1. Travelers – A++
  2. USAA – A++
  3. GEICO – A++
  4. State Farm – A++
  5. Titan Insurance – A+
  6. Esurance – A+
  7. Progressive – A+
  8. The Hartford – A+
  9. Allstate – A+
  10. Nationwide – A+

If you wish to have a professional recommendation when shopping around for cheaper insurance for 20 year old women, the insurance agencies below are willing to help you determine which auto insurance policy fits you best.

To find an Arlington insurance agency nearest to you, click the button below the list.

Farmers Insurance – Lisa Adkinson
4381 W Green Oaks Blvd Suite 101Arlington, TX 76016(817) 769-4088

Ryan Salsbury – State Farm Insurance Agent
1120 E Bardin Rd Ste 170Arlington, TX 76018(817) 465-7926

Gloria LeGrand – State Farm Insurance Agent
1396 W Mayfield Rd #110Arlington, TX 76015(817) 465-9191

Jeremy Normand State FarmĀ®
3000 S Cooper StArlington, TX 76015(817) 465-6292

View more Arlington, TX insurance agencies

How to find the cheapest insurance for 20 year old women

It is possible to find better rates, and here are some of the recommended thrifty solutions that can help drivers buy cheaper auto insurance.

The last tip in the list is remarkably crucial, as we discussed in this piece. Auto insurance prices change a lot, so don’t be afraid to buy from a new company if a cheaper price is available. Staying with the same company for years is fine, but is isn’t recommended if that stubbornness costs you money that could be used for better things. If you have a few minutes, compare prices and find cheaper car insurance for 20 year old women in Arlington.