Determining which companies have the cheapest insurance rates for 20 year old women requires a little more sweat than just quoting one company’s rates. Every insurance provider uses a different method to set policy rates, so we’ll take a look at the insurance companies that tend to have lower prices in Corpus Christi.
Find Cheaper Car Insurance for Women Age 20
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,010 |
| 2 | USAA | $1,128 |
| 3 | Germania Mutual | $1,244 |
| 4 | Texas Farm Bureau | $1,247 |
| 5 | Esurance | $1,365 |
| 6 | California Casualty | $1,424 |
| 7 | State Farm | $1,465 |
| 8 | Mercury | $1,506 |
| 9 | Nationwide | $1,538 |
| 10 | Safe Auto | $1,613 |
| 11 | Progressive | $1,698 |
| 12 | Allstate | $1,701 |
| 13 | Amica | $1,705 |
| 14 | GEICO | $2,072 |
| 15 | Home State | $2,134 |
| 16 | MetLife | $2,227 |
| 17 | Encompass | $2,255 |
| 18 | Unitrin | $2,264 |
| 19 | 21st Century | $2,421 |
| 20 | Titan | $2,594 |
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Travelers quotes some of the cheapest car insurance rates in Corpus Christi at around $1,010 annually. This is $894 less than the average premium paid by Texas drivers of $1,904. USAA, Germania Mutual, Texas Farm Bureau, and Esurance are also some of the cheaper Corpus Christi, TX insurance companies.
As shown in the table above, if you currently have a policy with USAA and switched to Travelers, you could see savings of in the vicinity of $118. Insureds with Germania Mutual might save as much as $234 a year, and Texas Farm Bureau customers might lower prices by $237 a year.
To find out how your current rates compare, click here to get quotes or visit several of the following companies.
It’s important to note that these estimates are averages for all types of insureds and vehicles and and are not calculated with an exact vehicle garaging location for 20 year old women. So the company that can offer you the best rate may not even be in the list above. That underscores the importance of why you need to quote rates from many companies using your own specific driver information and vehicle.
One of the many components that are looked at to determine the cost of insurance is where you keep your vehicle. More densely populated places are more likely to pay higher prices, whereas areas with less crime or weather claims tend to receive cheaper rates.
The next table shows the most expensive cities in Texas for 20 year old women to buy an auto insurance policy in. Corpus Christi shows up at #21 with an annual rate of $1,588 on average, which is around $132 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | McAllen | $2,016 |
| 2 | Dallas | $1,893 |
| 3 | Brownsville | $1,870 |
| 4 | Houston | $1,853 |
| 5 | Laredo | $1,851 |
| 6 | Garland | $1,850 |
| 7 | Amarillo | $1,840 |
| 8 | Mesquite | $1,807 |
| 9 | Irving | $1,789 |
| 10 | Beaumont | $1,772 |
| 11 | Pasadena | $1,740 |
| 12 | Grand Prairie | $1,740 |
| 13 | Arlington | $1,692 |
| 14 | Lubbock | $1,682 |
| 15 | Austin | $1,676 |
| 16 | San Antonio | $1,671 |
| 17 | Carrollton | $1,647 |
| 18 | Plano | $1,624 |
| 19 | Fort Worth | $1,621 |
| 20 | McKinney | $1,609 |
| 21 | Corpus Christi | $1,588 |
| 22 | El Paso | $1,568 |
| 23 | Waco | $1,522 |
| 24 | Killeen | $1,518 |
| 25 | Abilene | $1,515 |
| Find the Best Rates Go | ||
Prices are estimated as the specific garaging location can modify prices substantially.
The vehicle model needing coverage is a large consideration when comparing the lowest-priced insurance for 20 year old women. Vehicles with average performance, good crash test ratings, or a low likelihood of liability claims will cost substantially less to insure than fast, unsafe models. The next list illustrates auto insurance costs for some of the cheapest vehicles to buy coverage for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX-P 4-Dr Sedan | $1,868 |
| Ford Escape Limited 2WD | $1,896 |
| Honda CR-V EX-L 4WD | $1,902 |
| Toyota Prius | $2,044 |
| Dodge Grand Caravan CV | $2,094 |
| Chevrolet Impala LS | $2,186 |
| Ford Edge SE AWD | $2,192 |
| Toyota RAV4 Limited 4WD | $2,214 |
| Toyota Tacoma Double Cab 4WD | $2,224 |
| Chevrolet Equinox LS 2WD | $2,214 |
| Ford F-150 Lariat Super Cab 2WD | $2,243 |
| Ford Explorer Limited 2WD | $2,251 |
| Toyota Camry SE | $2,335 |
| Toyota Corolla XLE | $2,345 |
| Hyundai Elantra SE 4-Dr Sedan | $2,335 |
| Compare Cheap Rates Go | |
Data variables include 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. Premium costs do not factor in vehicle location which can alter price quotes considerably.
Looking at the rates, makes and models like the Honda Accord, Ford Escape, Honda CR-V, Toyota Prius, and Dodge Grand Caravan are most likely to be a few of the more affordable vehicles to insure for young women. The cost of a car insurance policy will tend to be more expensive anyway just due to the fact that there is more claim risk for 20 year old women, but generally speaking those specific models will most likely have the best insurance prices compared to all other vehicles.
Comparison of full coverage and liability-only policies
Finding cheaper insurance is important to the majority of drivers, and an effective way to buy cheap insurance for 20 year old women is to only pay for liability coverage. The example below shows the difference between insurance costs when comparing full coverage to liability only. The rates are based on no driving violations, no at-fault accidents, $500 deductibles, single marital status, and no policy discounts are applied.
On average, comp and collision coverage costs an additional $1,793 per year over having just liability coverage. Many people question if buying full coverage is worth the expense. There is no exact formula to stop buying physical damage insurance, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is about 10% or more of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.
There are some scenarios where dropping physical damage coverage is not recommended. If you still owe a portion of the original loan, you must maintain physical damage coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should maintain full coverage.
Ending up with the top insurance company is hard considering how many companies provide coverage in Texas. The company ratings below can help you choose which auto insurance companies you want to consider when trying find the best insurance for 20 year old women. These ratings are only comprised of insurance companies that insure vehicles in the majority of U.S. states, so companies without a large exposure are not included in these rankings.
| 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 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| 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 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Impact of violations and accidents on rates
The obvious way to score the cheapest insurance prices for young women is to be an attentive driver and avoid accidents and traffic violations. The illustration below demonstrates how speeding tickets and at-fault collisions raise annual premium costs for different age groups. The data assumes a married female driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.
The chart shows that the average cost of an auto insurance policy in Texas per year with no violations or accidents is $1,328. Get written up for one speeding ticket and the average cost hikes up to $1,550, an increase of $222 each year. Now add one accident along with the one speeding ticket and the 12-month cost of insurance for 20 year old women goes up to an average of $2,164. That’s an increase of $836, or $70 per month, just for not being attentive to the road!
Tips to find economical auto insurance for 20 year old women
Lowering your rates is not difficult, and here are many penny-pinching ideas that can help you find more affordable auto insurance.
- Drop full coverage on older vehicles
- Avoid getting tickets or violations
- Avoid having at-fault accidents
- Claim-free drivers earn discounts
- Insure your home and auto with the same company
- Vehicles with good safety ratings are usually cheaper to insure
- Shop your coverage around for the best deal
That last piece of advice is remarkably necessary, as we emphasized in this write-up. Rates in Corpus Christi can be modified anytime, so don’t be unwilling to change insurance companies if a lower price can be found. Sticking with a specific company is fine, but is isn’t recommended if that stubbornness costs you thousands of dollars over the life of your policy. Now is a great time to shop around to find cheaper car insurance for 20 year old women.
If you aren’t clear which coverage you need and would like to get some professional advice when buying car insurance for young women, the professional agents shown below can answer your questions and help you decide which car insurance policy is best.
To locate a Corpus Christi car insurance agency by location nearest to you, click the link after the list or click here to compare price quotes.
- Joe Morales Insurance
5230 Kostoryz Rd # 18 – Corpus Christi, TX 78415 – (361) 852-4292 - Hochheim Prairie Insurance
4646 Corona Dr – Corpus Christi, TX 78411 – (361) 814-1097 - Lancaster and Bay Insurance Agency
3124 S Alameda St – Corpus Christi, TX 78404 – (361) 853-0405