The words “economical” and “insurance” really shouldn’t be used in the same sentence, specifically when you are searching for the best car insurance rates for 20 year old women. Let’s teach you a few of the things that have an effect on insurance rates, and find out if you can lower the price of the next policy you buy.
For young women, one of the big factors that determine the cost of insurance is where your car is garaged in Phoenix. Areas with a lot of weather claims or more people are more likely to pay higher prices, whereas more rural areas benefit from lower rates.
The table below ranks the most costly cities in Arizona for 20 year old women in which to buy car insurance. Phoenix ranks #2 with an annual cost of $1,218 for coverage, which is around $102 each month.
|Rank||City||Premium Per Year|
|6||San Tan Valley||$1,150|
|25||Lake Havasu City||$844|
|Find Cheaper Insurance Go|
Prices are comparative as the specific Phoenix residence address can raise or lower premiums considerably.
The vehicle requiring coverage is a large factor that determines the availability of low-priced auto insurance for 20 year old women. Vehicles with higher performance, poor safety ratings, or a high likelihood of having liability claims will cost quite a bit more to insure than more modest models. The table below estimates auto insurance prices for a selection of the cheapest automobiles to buy insurance for.
|Make and Model||Estimated Cost for Full Coverage|
|Honda Accord LX 4-Dr Sedan||$3,399|
|Honda CR-V LX 2WD||$3,404|
|Ford Escape Limited 2WD||$3,449|
|Hyundai Elantra SE Touring Station Wagon||$3,670|
|Chevrolet Silverado LS Regular Cab 4WD||$3,765|
|Honda Odyssey LX||$3,773|
|Jeep Wrangler Sahara 4WD 2-Dr||$3,816|
|Ford F-150 XLT Super Cab 2WD||$3,826|
|Ford Focus SE 4-Dr Sedan||$3,986|
|Toyota RAV4 4WD||$4,036|
|Chevrolet Impala LT||$4,042|
|GMC Sierra SLE Crew Cab 2WD||$4,036|
|Jeep Grand Cherokee Laredo 2WD||$4,046|
|Toyota Tacoma Double Cab TRD Sport Package 4WD||$4,087|
|Dodge Grand Caravan Crew||$4,092|
|Chevrolet Malibu LT||$4,087|
|Find Cheaper Rates Go|
Data based on single female driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate information does not factor in specific garaging location which can change coverage rates greatly.
Based upon the rates shown, models like the Honda Accord, Honda CR-V, and Ford Escape are some of the cheapest vehicles to insure for young women. The price of auto insurance will tend to be more expensive anyway just due to the fact that there is more claim exposure for 20 year old women, but overall those specific models will have the least expensive rates that you are likely to find.
Get discounts on Phoenix car insurance rates
Auto insurance companies that offer coverage for 20 year old women may also provide rate discounts that could lower prices by 40% or more if you are eligible for them. Companies and their offered discounts are included below.
- GEICO offers premium reductions for anti-lock brakes, multi-vehicle, good student, defensive driver, and daytime running lights.
- USAA may include discounts for new vehicle, loyalty savings, good student, driver training, defensive driver, and multi-vehicle.
- Progressive offers discounts for multi-policy, continuous coverage, online quote discount, online signing, homeowner, and multi-vehicle.
- American Family has discounts for accident-free, TimeAway discount, defensive driver, multi-vehicle, and good driver.
- Esurance discounts include good driver, defensive driver, paid-in-full, anti-lock brakes, Pac-12 alumni, safety device, and Switch & Save.
- Farmers Insurance includes discounts for teen driver, youthful driver, bundle discounts, early shopping, alternative fuel, mature driver, and homeowner.
- State Farm has savings for anti-theft, safe vehicle, defensive driving training, accident-free, Drive Safe & Save, driver’s education, and multiple autos.
The illustration below shows the difference between insurance costs with and without policy discounts. The costs are based on a male driver, no claims or violations, Arizona state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with paid-in-full, vehicle safety, continuous coverage, paperless filing, good student, and anti-theft discounts applied. When drivers take advantage of discounts, theaverage yearly reduction on car insurance for 20 year old women is 19% or $357.
Responsible drivers pay cheaper Phoenix car insurance rates
A great way to score the most affordable car insurance rates in Phoenix for young women is to pay attention while driving and avoid accidents and traffic violations. The information below illustrates how violations and at-fault claims impact car insurance rates for different age groups of insureds. The rates are based on a single male driver, full coverage, $1,000 deductibles, and no policy discounts are applied.
The data above shows the average cost of a car insurance policy in Arizona per year with no accidents and a clean driving record is $1,263. Get written up for two speeding tickets and the average cost swells to $1,660, an increase of $397 each year. Next add two accidents along with the two speeding tickets and the yearly cost of car insurance for 20 year old women increases to an average of $3,322. That’s an increase of $2,060, or $172 per month, just for not maintaining a clean driving record!
Can you find cheaper Phoenix car insurance?
Phoenix car insurance rates are influenced by many factors that will increase or decrease the cost of having a policy. Improving your credit score, having a teenage driver, or getting a few speeding tickets may generate price changes resulting in some companies being more affordable than others. Not only that, but insurers file new Arizona auto insurance rates as needed in order to be able to pay unexpected claims. Larger than normal claims can cause increased policy costs, while a better loss history can cause cheaper Phoenix car insurance rates.
As an example, the data below shows which companies have the cheapest car insurance in Phoenix, AZ for a 35-year-old male driver with a good driving record, no prior claims, and excellent credit. Based on his current situation, The Hartford might offer the best car insurance rates in Phoenix at $1,157 per year. This is $271 less than the average price paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA also make the list of the cheapest Phoenix, AZ auto insurance companies.
In this next rate comparison, we will give the driver from the first example an accident claim, slightly worse credit, and a traffic citation. Since each auto insurer has their own guidelines for setting rates, comparing quotes most likely will result in a substantially altered list of companies as shown below.
GEICO now has the best auto insurance rate in Phoenix, AZ with CSAA, Ameriprise Group, Safeco, and Allied now rounding out the top five. This illustrates why it is critical to spend some time comparing rates when trying to get the lowest auto insurance quotes for 20 year old women.
Insurance prices can be altered by many factors and can increase or decrease at any time, so the cheapest option a year ago may now be wasting a lot of money.
If you wish to have professional advice when trying to find the best insurance rates for young women, the agencies below can help you determine which coverages and limits you need. To locate an agency nearest to you, click the button at the bottom of the list.
- State Farm: Mat Herseth
751 E Union Hills Dr #A9, Phoenix 85024 – 751 E Union Hills Dr #A9, AZ 85024 – (602) 788-6700
- Chris Bolton – State Farm Insurance Agent
1630 N 7th St – Phoenix, AZ 85006 – (602) 252-1330
- Chuck Kelly – State Farm Insurance Agent
314 E Thomas Rd – Phoenix, AZ 85012 – (602) 277-5776
- Oasis Insurance
317 N 19th Ave – Phoenix, AZ 85009 – (602) 233-5500
View more Phoenix, AZ insurance agencies
How to find low-cost insurance for 20 year old women
Below you’ll find many money-saving suggestions that can help drivers get more affordable coverage.
- Try paying for small claims out-of-pocket
- Drive vehicles with five-star safety ratings
- Save money by insuring your home and auto with the same company
- Tickets and violations raise rates
- Do not waste money insuring older vehicles for full coverage
- Accidents can significantly increase rates
- Shop around for cheaper rates regularly
That last idea is especially significant, as was affirmed in the article above. Prices charged by car insurance companies in Phoenix can be adjusted at any time, so don’t be hesitant to change to a new company if a cheaper price is available. Many drivers have brand loyalty and that’s fine, but it’s not recommended if that inflexibility results in costing you money that could be used for better things. Spend a few minutes and shop around and find cheaper insurance for 20 year old women.