The vehicle on the policy is a large factor when consumers are trying to find the most affordable coverage for 20 year old women. Vehicles with high performance features, poor crash test ratings, or a track record of large liability claims will cost much more to insure than safer, lower-performance models. The list below features coverage prices for a selection of the cheaper vehicles to insure.
|Vehicle||Estimated Cost for Full Coverage|
|Hyundai Elantra GLS Touring Station Wagon||$2,095|
|Ford Escape XLT 2WD||$2,105|
|Honda CR-V EX-L 2WD||$2,126|
|Ford Edge SE 2WD||$2,319|
|Dodge Grand Caravan CV||$2,350|
|Ford F-150 XL Regular Cab 4WD||$2,355|
|Toyota Tacoma 4WD||$2,350|
|Volkswagen Jetta 2.0T Station Wagon||$2,425|
|Jeep Grand Cherokee Laredo 4WD||$2,482|
|Toyota RAV4 Limited 4WD||$2,487|
|Chevrolet Impala LT||$2,482|
|Dodge Ram 3500 Crew Cab Laramie 2WD||$2,513|
|Ford Explorer Limited 2WD||$2,523|
|Ford Focus SEL 4-Dr Sedan||$2,587|
|Honda Civic LX 4-Dr Sedan||$2,594|
|Jeep Wrangler Unlimited Sahara 2WD 4-Dr||$2,589|
|Toyota Corolla XLE||$2,618|
|Toyota Camry XLE||$2,628|
|GMC Sierra 2500HD SLE Regular Cab 4WD||$2,649|
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Data based on single female driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Tennessee minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium costs do not factor in specific zip code location which can influence price quotes substantially.
Looking at the numbers, models like the Hyundai Elantra, Ford Escape, Honda CR-V, and Toyota Prius will be the most economical vehicles to insure for young women. The price for an auto insurance policy will tend to be more expensive just due to the fact that there is more exposure for 20 year old women, but overall those particular models will have the cheapest car insurance rates that you’ll find.
Finding reliable, budget auto insurance is easier said than done, and deciding which companies offer the best car insurance rates for 20 year old women involves even more shopping around. Every insurance company has a different process for establishing rates, so let’s begin by examining the most affordable car insurance companies in Tennessee.
It’s important to know that Nashville, TN car insurance rates are influenced by many factors which can significantly increase or decrease the price of coverage. This is why it is crucial to compare rates when trying to find the cheapest car insurance quotes for 20 year old women. Insurance rates are influenced by many things and can change without notice, so the best option when you last compared rates may now be one of the higher cost companies.
Best Car Insurance Prices for Women Age 20
|Rank||Company||Cost Per Year|
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Utica National quotes some of the lowest car insurance rates in Nashville at around $767 a year. Auto-Owners, Cincinnati Insurance, Penn National, and Tennessee Farmers also qualify as some of the lowest-priced Nashville, TN insurance companies.
In this example, if you are a policyholder with Penn National and switched to Utica National, you could realize yearly savings of approximately $132. Tennessee drivers with Tennessee Farmers might save as much as $166 a year, and USAA insureds might lower prices by $190 a year.
Bear in mind that those rates are averaged for all types of insureds and vehicles and and are not figured with a specific zip code for 20 year old women. So the auto insurance company that has the cheapest rates for you may not even be in the top 30 companies in the list above. That’s why you need to get rate quotes using your own individual information.
The diagram below highlights how deductible selection can raise or lower insurance premiums when getting quotes for cheap insurance for 20 year old women. The data is based on a married male driver, full coverage, and no discounts are applied to the premium.
As shown above, a 50-year-old driver could lower their car insurance rates by $204 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $306 by choosing a $1,000 deductible. Younger drivers, like the 20-year-old, could lower their rates up to $670 annually just by using higher deductibles. When choosing a higher deductible, it’s a good idea to have additional funds squirreled away to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
How to get discounts on Nashville car insurance rates
Car insurance companies that sell policies for 20 year old women may provide premium discounts that can lower rates by 30% or more if you meet certain criteria. Large car insurance companies and the discounts they provide can be read below.
- Progressive offers discounts including homeowner, continuous coverage, online quote discount, multi-policy, online signing, good student, and multi-vehicle.
- MetLife offers premium reductions for good driver, defensive driver, claim-free, multi-policy, good student, accident-free
- Mercury Insurance may include discounts for anti-theft, good student, type of vehicle, accident-free, and location of vehicle.
- Nationwide offers discounts for anti-theft, multi-policy, easy pay, family plan, Farm Bureau membership, business or organization, and good student.
- GEICO includes discounts for driver training, anti-lock brakes, membership and employees, multi-vehicle, defensive driver, federal employee, and five-year accident-free.
- AAA may have discounts that include AAA membership discount, good student, anti-theft, good driver, multi-car, multi-policy, and pay-in-full.
The information below shows the difference between insurance prices with and without discounts applied to the premium. Data assumes a male driver, no claims, a clean driving record, Tennessee state minimum liability limits, comp and collision included, and $250 deductibles.
The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with continuous coverage, paperless filing, good student, vehicle safety, passive restraint, and paid-in-full discounts applied. In this example, the average savings per year on car insurance for 20 year old women is 18% or $279.
What is the best car insurance company in Tennessee?
Finding the top car insurance provider can be challenging considering how many different insurance companies sell coverage in Nashville. The ranking data below can help you decide which insurers to look at when looking for cheaper rates.
These ratings are only made up of the largest auto insurers in America, so companies without a large exposure will not be included in this list. To compare price quotes from these companies and more, just click here.
|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