Who Has Affordable Auto Insurance for a 20 Year Old Female in San Diego?

The words “economical” and “insurance” really shouldn’t be used in the same sentence, in particular when you are looking for the best insurance rates for 20 year old women. To help control this cost, let’s lead off by showing you a few of the things that significantly impact car insurance premiums, and see how we can help you lower the price of the next policy you buy.

Finding out which company quotes the most affordable auto insurance rates for 20 year old women will take more time in order to find the best price. Every car insurance company has a unique formula to set their prices, so we’ll take a look at the auto insurance companies that tend to be cheaper in California.

It’s important that readers know that San Diego, CA auto insurance rates are impacted by many factors which can substantially decrease or increase your annual premium. Improving your credit rating, buying another vehicle, or having an at-fault accident may generate price changes that can now make some companies cheaper than competitors.

Cheapest Insurance Rates for Women Age 20

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California car insurance ranked by cost per year
Rank Company Cost Per Year
1 USAA $1,143
2 Wawanesa $1,157
3 CSAA $1,198
4 Century National $1,214
5 Nationwide $1,263
6 21st Century $1,366
7 Grange $1,433
8 Progressive $1,512
9 Mercury $1,533
10 Allstate $1,543
11 GEICO $1,575
12 Allied $1,588
13 The Hartford $1,639
14 MetLife $1,654
15 Unitrin $1,699
16 State Farm $1,750
17 Esurance $1,756
18 Bristol West $1,777
19 Travelers $1,806
20 Farmers $2,006
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USAA quotes some of the best car insurance rates in San Diego at around $1,143 annually. Wawanesa, CSAA, Century National, and Nationwide would also be considered some of the cheaper San Diego, CA car insurance companies.

As depicted above, if you currently have coverage with Century National and switched to Wawanesa, you might realize an annual premium reduction of in the vicinity of $57. Customers with Nationwide may save as much as $106 a year, and 21st Century policyholders might lower prices by up to $209 a year.

Understand that those rates are averages for all types of drivers and the different vehicles they drive and do not factor in an exact vehicle garaging location for 20 year old women. So the auto insurance company that fits your situation best may not even be in the top 24 companies in the list above. That helps illustrate why you need to get rate quotes using your own driver information and specific vehicle type.

For young women, one of the more important components that determine the cost of insurance is where you call home. Areas with high crime rates or more dense population tend to have higher auto insurance costs, whereas less populated areas have the luxury of cheap car insurance rates.

The illustration below rates the highest-priced areas in California for 20 year old women in which to buy car insurance. San Diego is ranked at #21 costing $1,381 on average, which is around $115 each month.

How much does car insurance cost in San Diego, CA?
Rank City Annual Premium
1 Glendale $2,121
2 Los Angeles $2,104
3 Oakland $1,738
4 Sacramento $1,720
5 San Francisco $1,711
6 Long Beach $1,626
7 Stockton $1,603
8 San Bernardino $1,596
9 Modesto $1,547
10 Fontana $1,535
11 Santa Clarita $1,533
12 Garden Grove $1,508
13 Moreno Valley $1,506
14 Santa Ana $1,483
15 Riverside $1,482
16 Fresno $1,457
17 Anaheim $1,430
18 Huntington Beach $1,416
19 Bakersfield $1,394
20 Irvine $1,384
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Prices are estimated as the specific geographic location can revise premium rates substantially.

The vehicle model needing coverage is a large factor that determines whether or not you can buy the lowest-priced insurance for 20 year old women. Vehicles with high performance, poor passenger safety features, or a track record of large liability claims will cost substantially more to insure than more modest models.

The table below features auto insurance premiums for a selection of the most economical automobiles to buy coverage for.

Cheapest Vehicles to Insure in San Diego, CA
Make and Model Estimated Cost for Full Coverage
Ford Escape XLS 4WD $1,785
Honda CR-V EX 4WD $1,812
Hyundai Elantra SE Touring Station Wagon $1,926
Toyota Prius $1,953
Dodge Grand Caravan CV $2,002
Jeep Wrangler Rubicon 4WD 2-Dr $2,010
Volkswagen Jetta SE 2.5 Station Wagon $2,067
Honda Odyssey EX $2,090
Ford Edge SE AWD $2,097
Ford Focus S 4-Dr Sedan $2,090
Chevrolet Impala LS $2,099
GMC Sierra SLE Crew Cab 2WD $2,116
Toyota Camry LE $2,126
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Data 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 safe-driver, and claim-free. Price information does not factor in specific San Diego, CA garaging location which can alter auto insurance rates greatly.

Based upon the table data, we can infer that makes and models like the Ford Escape, Honda CR-V, and Hyundai Elantra are going to be some of the most affordable vehicles to insure for young women. Car insurance rates will trend higher because there is more claim exposure for 20 year old women, but in general those makes and models will probably have the cheapest auto insurance rates compared to all other vehicles.

What is the best auto insurance company in California?

Buying coverage from the top auto insurance provider is difficult considering how many different companies there are to choose from in California. The company information below could help you pick which providers you want to consider when insurance shopping for 20 year old women.

These ratings include the companies with a significant amount of written premium nationwide, so smaller regional companies are not factored into this list. To compare prices from these top insurers and more, click this link.

Top 10 Large Auto Insurers in San Diego Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA of Southern California – 92%
  4. AAA Insurance – 91%
  5. Nationwide – 90%
  6. State Farm – 90%
  7. The Hartford – 89%
  8. GEICO – 89%
  9. The General – 88%
  10. 21st Century – 88%

Careless drivers pay higher rates

The best way to snag good auto insurance prices in California for young women is to drive cautiously and have a clean driving record. The illustration below illustrates how speeding tickets and at-fault collisions can increase insurance costs for different age groups of insureds. The prices are based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.

In the prior example, the average cost of a car insurance policy in California per year with no accidents or violations is $2,121. Factor in one speeding ticket and the average cost jumps to $2,476, an increase of $355 each year. Then add in one accident along with the one speeding ticket and the annual cost of auto insurance for 20 year old women jumps again to an average of $3,475. That’s an increase of $1,354, or $113 per month, just for being a careless driver!

How to find the cheapest car insurance for 20 year old women

Below you’ll find some of the better thrifty suggestions that can help California drivers quote low-cost coverage.

That last idea is extraordinarily crucial, as we noted in the article above. Prices in San Diego change frequently, so you should be ready to buy a different policy if a better deal can be had. Sticking with a specific company is fine, but it’s not a great idea if that devotion results in you overpaying a small fortune. In less than five minutes you could compare rates to find cheaper insurance for 20 year old women.