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.
Find the Cheapest Car Insurance for Women Age 20
| 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.
| 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
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- 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 101 – Arlington, TX 76016 – (817) 769-4088
Ryan Salsbury – State Farm Insurance Agent
1120 E Bardin Rd Ste 170 – Arlington, TX 76018 – (817) 465-7926
Gloria LeGrand – State Farm Insurance Agent
1396 W Mayfield Rd #110 – Arlington, TX 76015 – (817) 465-9191
Jeremy Normand State Farm®
3000 S Cooper St – Arlington, 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.
- Pay cheaper rates with good credit scores
- Bundle car and home insurance and save money
- Full coverage may not be needed on older vehicles
- Avoid filing excessive claims
- Raise physical damage deductibles
- Choose a safer vehicle and pay lower rates
- Compare prices frequently to find the best deal
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.