How Much are Car Insurance Quotes for a 20 Year Old Female in Irvine?

You’ve seen the ads from insurers like GEICO and Liberty Mutual that make promises of big savings. So drivers just need to choose the one with the best commercial, right?

It’s just not that easy, however, as there are a whole slew of unknown aspects like what coverage limits you need, your marital status, the vehicle you drive, and your credit history, that all impact the cost of your policy. We will try to teach you about the best ways to avoid high prices and will hopefully give you a good beginning to your quest for cheaper car insurance in California.

Buying low-cost car insurance is difficult, and determining which company quotes the lowest-priced car insurance rates for 20 year old women takes even more diligence. Every auto insurer has a different process to establish rates, so let’s begin by taking a look at the most affordable car insurance companies in Irvine.

Keep in mind that Irvine, CA car insurance rates are based on many factors that can increase the price you have to pay for coverage. Simply getting older, buying higher coverage limits, or getting into an accident can trigger rate changes that can make some companies more expensive than before.

Best Insurance Companies for Women Age 20

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Cheapest California car insurance ranked by price
Rank Company Cost Per Year
1 USAA $1,109
2 Wawanesa $1,146
3 Century National $1,190
4 Nationwide $1,213
5 CSAA $1,222
6 21st Century $1,325
7 Grange $1,447
8 Mercury $1,488
9 Progressive $1,512
10 GEICO $1,529
11 Allied $1,541
12 Allstate $1,559
13 The Hartford $1,591
14 MetLife $1,606
15 State Farm $1,682
16 Unitrin $1,733
17 Esurance $1,756
18 Travelers $1,788
19 Bristol West $1,831
20 Farmers $1,946
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USAA quotes some of the most affordable car insurance rates in Irvine at around $1,109 per year. Wawanesa, Century National, Nationwide, and CSAA also are some of the best Irvine, CA auto insurance companies.

As shown in the rates above, if you currently buy coverage from CSAA and switched to Wawanesa, you might achieve an annual savings of upwards of $76. Customers with 21st Century may save as much as $179 a year, and Grange insureds might reduce rates by $301 a year.

To compare your rates to other California insurance companies, click here to start your custom quote or visit any of the companies below.

Be aware that those policy rates are averaged across all ages of drivers and types of vehicles and do not take into consideration a specific vehicle garaging location for 20 year old women. So the insurer that can offer the best rates for your situation may not even be in the top 24 companies shown above. That helps illustrate why you need to compare prices as often as possible using your own specific driver and vehicle information.

The vehicle model you are seeking coverage for is probably the largest consideration when comparing the lowest-priced coverage for 20 year old women. Vehicles with high performance engines, a lack of advanced safety features, or a high likelihood of having liability claims will cost significantly more to insure than safer models. The table below shows insurance premiums for the cheapest automobiles to buy insurance for.

Cheapest Vehicles to Insure in Irvine, CA
Vehicle Estimated Cost for Full Coverage
Honda CR-V LX 2WD $1,797
Ford Escape XLT 2WD $1,802
Toyota Prius $1,965
Ford F-150 XL Super Cab 4WD $2,016
Ford Explorer XLT AWD $2,022
Chevrolet Impala LS $2,104
Jeep Grand Cherokee Laredo 2WD $2,131
Chevrolet Malibu Hybrid $2,137
Nissan Altima 2.5 4-Dr Sedan $2,131
Toyota Tacoma Double Cab 4WD $2,137
Chevrolet Equinox LT 2WD $2,131
Toyota RAV4 Sport 4WD $2,136
Dodge Grand Caravan Crew $2,158
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Data assumes 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. Estimates do not factor in the specific area where the vehicle is garaged which can raise or lower premium rates noticeably.

Looking at the data, we can presume that cars like the Honda CR-V, Ford Escape, Toyota Prius, and Ford F-150 are likely to be the cheapest vehicles to insure for young women. Auto insurance rates will tend to be more expensive because there is more liability risk for 20 year old women, but in general those models will have the lowest prices compared to other vehicles.

Irresponsible driving raises your rates

The best way to maintain cheap car insurance premiums in California for young women is to drive safe and avoid accidents and keep your driving record clean. The example below illustrates how speeding tickets and fender-benders can increase auto insurance costs for different age categories. The premium estimates are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no other discounts are factored in.

In the previous example, the average cost of an auto insurance policy per year with no accidents and a clean driving record is $1,849. Add in one speeding ticket and the average cost swells to $2,088, an increase of $239 each year. Now throw in one accident along with the one speeding ticket and the annual cost of car insurance for 20 year old women goes up to an average of $2,744. That’s an increase of $895, or $75 per month, just for being a careless driver!

The information below demonstrates how deductibles can raise or lower insurance prices when searching for cheap insurance for 20 year old women. The premiums assume a single female driver, full coverage, and no other discounts are factored in.

A 40-year-old driver could cut expenses by $490 a year by changing from a $100 deductible to a $500 deductible, or save $736 by using a $1,000 deductible. Younger drivers, such as the Age 20 example, could lower their rates as much as $1,246 or more just by choosing larger deductibles.

When choosing a higher deductible, it will be necessary to have additional funds squirreled away to allow you to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Choosing the highest-rated insurance company can be a challenge considering how many different companies there are to choose from in California. The rank data shown below can help you decide which insurers to look at when comparing insurance rates for 20 year old women. These rankings are only made up of large nationwide companies, so companies that have a smaller presence are not taken into consideration for the list.

Best 15 Car Insurance Companies for a 20 Year Old Female in Irvine
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
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Data Source: Best Car Insurance Companies

How to find more affordable insurance for 20 year old women

The list below shows many money-saving ideas that can help drivers locate more affordable auto insurance.

That last idea is extraordinarily significant, as we stressed in this article. Prices charged by car insurance companies in Irvine adjust often, so don’t be tentative to buy a policy from a new company if a better deal can be had. Sticking with a specific company is fine, but is isn’t recommended if it’s costing you money that could be going to better use. In less than five minutes you could compare prices to find cheaper car insurance for 20 year old women.

The professional agents shown below can probably help you make a decision which coverage fits your budget, since lots of drivers aren’t clear which coverage they need and would like to have professional advice when shopping around for cheaper insurance for 20 year old women. It’s not always easy to find coverage yourself, and professional agents can provide peace of mind knowing your policy gives you sufficient coverage for your assets. To locate an Irvine insurance agent close to where you live, click the link at the bottom or click here to compare rates now.

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