Who Has Affordable Auto Insurance Rates for a 20 Year Old Female in Nashville?

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.

Cheapest Vehicles to Insure in Nashville, TN
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
Toyota Prius $2,290
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

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Cheapest Tennessee auto insurance companies
Rank Company Cost Per Year
1 Utica National $767
2 Auto-Owners $852
3 Cincinnati Insurance $884
4 Penn National $899
5 Tennessee Farmers $933
6 USAA $957
7 Erie $987
8 Nationwide $1,002
9 Westfield $1,037
10 Allied $1,049
11 GEICO $1,122
12 Travelers $1,177
13 Progressive $1,190
14 State Farm $1,201
15 Direct General $1,214
16 The Hartford $1,221
17 Shelter $1,235
18 State Auto $1,254
19 21st Century $1,274
20 Chubb $1,329
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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

Cheaper Nashville, TN car insurance for young womenCar 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.

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.

Top Ten Car Insurance Companies for a 20 Year Old Female in Nashville, TN
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
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Data Source: Insure.com Best Car Insurance Companies