The car, truck, or SUV that is being insured is one of the largest factors that determines the availability of low-cost auto insurance for 20 year old women. Vehicles with high performance, a lack of modern safety features, or an increased likelihood of liability claims will cost much more to insure than more economical and safe models. The data below presents auto insurance premiums for a number of the most economical vehicles to insure in California.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX-P 4-Dr Sedan | $1,802 |
| Ford Escape XLS 4WD | $1,812 |
| Honda CR-V EX-L 4WD | $1,829 |
| Toyota Prius | $1,975 |
| Ford Edge SE 2WD | $1,996 |
| Chevrolet Silverado LS Regular Cab 4WD | $2,005 |
| Toyota Tacoma 4WD | $2,022 |
| Dodge Grand Caravan SE | $2,028 |
| Ford Explorer XLT 2WD | $2,022 |
| Jeep Wrangler Sahara 4WD 2-Dr | $2,029 |
| Ford Focus SE 4-Dr Sedan | $2,113 |
| Chevrolet Impala LT | $2,139 |
| Chevrolet Malibu LS | $2,144 |
| Toyota RAV4 Limited 4WD | $2,139 |
| Toyota Camry LE | $2,148 |
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Prices above based on single female driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, and safe-driver. Prices do not factor in specific garaging location which can raise or lower coverage prices noticeably.
By looking at the data, vehicles like the Honda Accord, Ford Escape, and Honda CR-V are likely to be some of the most budget-friendly vehicles to insure for young women. The cost of a car insurance policy will be higher anyway just due to the fact that there is a higher risk for 20 year old women, but generally speaking those specific models will have the lowest prices that you’ll find.
Establishing which companies have the cheapest insurance rates for 20 year old women involves a tad more effort in order to find the most economical policy. Each company uses different criteria to determine premium rates, so we’ll go over the insurance companies with the overall cheapest rates in Bakersfield.
It’s important to know that California insurance rates are impacted by many factors that can increase the cost of having a policy. Turning one year older, moving across town, or getting a reckless driving citation can trigger changes in premium that can make some companies cheaper than competitors.
Best Cheap Insurance Rates for Women Age 20
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Wawanesa | $1,157 |
| 3 | Nationwide | $1,213 |
| 4 | Century National | $1,214 |
| 5 | CSAA | $1,234 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,477 |
| 8 | Progressive | $1,496 |
| 9 | GEICO | $1,529 |
| 10 | Mercury | $1,533 |
| 11 | Allstate | $1,543 |
| 12 | Allied | $1,588 |
| 13 | MetLife | $1,590 |
| 14 | The Hartford | $1,591 |
| 15 | Esurance | $1,688 |
| 16 | Unitrin | $1,699 |
| 17 | State Farm | $1,750 |
| 18 | Bristol West | $1,849 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $2,006 |
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USAA normally has some of the cheapest car insurance rates in Bakersfield at around $1,121 per year. This is $530 less than the average premium paid by California drivers of $1,651. Wawanesa, Nationwide, Century National, and CSAA also qualify as some of the cheapest Bakersfield, CA insurance companies.
As shown in the rates above, if you currently have a policy with Nationwide and switched to USAA, you might realize an annual savings of approximately $92. Customers with Century National might save as much as $93 a year, and CSAA insureds might lower prices by up to $113 a year.
To see if your current coverage is too expensive, click here to start your custom quote or click through to the companies below.
Bear in mind that those rates are averages for all insureds and vehicles and do not take into consideration a vehicle location for 20 year old women. So the insurer that is best for you may not even be in the list above. That points out the importance of why you need to compare rates from as many companies as possible using your own driver and vehicle profiles.
One of the more important things that help determine car insurance rates is where you live. Larger areas will most likely have higher rates, whereas areas that tend to be more rural benefit from lower coverage costs.
The illustration below shows the most costly cities in California for 20 year old women in which to purchase auto insurance. Bakersfield is ranked #23 with an annual cost of $1,340 for coverage, which is approximately $112 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,121 |
| 3 | San Francisco | $1,745 |
| 4 | Oakland | $1,687 |
| 5 | Sacramento | $1,652 |
| 6 | San Bernardino | $1,628 |
| 7 | Long Beach | $1,610 |
| 8 | Santa Clarita | $1,580 |
| 9 | Stockton | $1,556 |
| 10 | Fontana | $1,535 |
| 11 | Riverside | $1,527 |
| 12 | Garden Grove | $1,524 |
| 13 | Fresno | $1,517 |
| 14 | Moreno Valley | $1,506 |
| 15 | Modesto | $1,502 |
| 16 | Santa Ana | $1,453 |
| 17 | Anaheim | $1,430 |
| 18 | San Jose | $1,423 |
| 19 | Huntington Beach | $1,374 |
| 20 | Fremont | $1,348 |
| Compare Rates Now Go | ||
Rates are approximated as the specific zip code location can affect premium rates noticeably.
Should you buy full coverage?
Finding the cheapest insurance should be important to most drivers, and a great way to find cheaper insurance for 20 year old women is to buy liability only. The diagram below illustrates the difference between insurance premiums with liability coverage only compared to full coverage. The data is based on no accidents or driving violations, $1,000 deductibles, single status, and no discounts are applied to the premium.
As an average, physical damage coverage costs an extra $2,501 per year more than just buying liability insurance. Many of you may wonder when is the right time to remove full coverage. There is no definitive rule for phasing out full coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is 10% or more of the settlement you would receive from your company, then you may want to consider only buying liability coverage.
Get discount Bakersfield car insurance
Car insurance companies that offer quotes for 20 year old women may have special discounts that may potentially lower prices by as much as 25% or more if you are eligible. A few of the larger companies and the discounts they provide are outlined below.
- State Farm has savings for defensive driving training, good student, passive restraint, student away at school, driver’s education, safe vehicle, and multiple policy.
- Farmers Insurance has discounts for mature driver, pay in full, good student, alternative fuel, and electronic funds transfer.
- Progressive may offer discounts for multi-vehicle, homeowner, good student, continuous coverage, online quote discount, online signing, and multi-policy.
- GEICO may include discounts for federal employee, seat belt use, emergency military deployment, air bags, and daytime running lights.
- Auto-Owners Insurance policyholders can earn discounts including anti-theft, paid in full, teen driver, mature driver, safe driver, and student away at school.
- The Hartford discounts include driver training, bundle, good student, air bag, vehicle fuel type, anti-theft, and defensive driver.
- Farm Bureau offers discounts including 55 and retired, driver training, youthful driver, multi-vehicle, multi-policy, good student, and safe driver.
- USAA may have discounts that include loyalty savings, safe driver, new vehicle, good student, military installation, annual mileage, and driver training.
The illustration below illustrates the comparison of premium costs with and without discounts being applied to the rates. The premiums assume a female driver, no tickets, no at-fault accidents, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with vehicle safety, paid-in-full, continuous coverage, passive restraint, anti-theft, and good student discounts applied. With discounts applied, the average amount saved each year on insurance for 20 year old women is 21% or $506.
Tips for finding economical insurance for 20 year old women
The list below summarizes a few penny-pinching solutions that can help California drivers find low-cost coverage.
- Insure your home and auto with the same company
- Good credit can save money
- Drive attentively and avoid accidents
- If your vehicles are older, consider dropping full coverage
- Buy a vehicle with excellent safety ratings
- Compare rates and switch if you can find a better deal
The last tip in the list is extraordinarily necessary, as was noted in this piece. Auto insurance rates in Bakersfield change frequently, so don’t be unwilling to buy from a different company if you can find a cheaper rate.
We understand brand loyalty, but it isn’t a good idea if your bullheadedness ends up costing you a fortune every year. Spend a few minutes and compare rates and find cheaper insurance for 20 year old women.
If you aren’t sure which coverage to buy and prefer to get some guidance when shopping around for cheaper insurance for young women, the agents shown below can help you determine which auto insurance coverages would be the best in your situation.
To locate a Bakersfield insurance agent using an interactive map, click the button at the bottom.
- Fallgatter Rhodes Insurance
1701 G St – Bakersfield, CA 93301 – (661) 324-2424 - Tony Camarena Insurance Agency
324 Oak St – Bakersfield, CA 93304 – (661) 322-3500 - California Canyon Insurance Agency
B, 4900 California Ave #210 – Bakersfield, CA 93309 – (661) 377-2978