Cheapest Car Insurance Quotes for a 20 Year Old Female in Pennsylvania

Cheapest Car Insurance Quotes for a 20 Year Old Female in Pennsylvania

You’ve seen the catchy advertisements from insurers like State Farm, Allstate, and Nationwide that say if you switch you’ll get the cheapest price, so you just need to pick one randomly, right?

It’s just not that easy, however, as there are a whole slew of unknown aspects like your vehicle’s safety rating, whether you are female or male, and any prior driving offenses, that all factor into the price you pay. The information below will cover the best ways to avoid high prices and also should give you a jump start in finding the best auto insurance.

For young women, one of the more important components that is used to calculate the price you pay for insurance is where you live in Pennsylvania. Areas with more people like Philadelphia, Chester, and Norristown are more likely to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims generally pay less for auto insurance.

The illustration below rates the higher priced cities in Pennsylvania for 20 year old women to buy auto insurance in.

Car insurance prices in Pennsylvania
Rank City Premium Per Year
1 Philadelphia $2,037
2 Drexel Hill $1,549
3 Chester $1,435
4 Levittown $1,365
5 Norristown $1,307
6 Allentown $1,141
7 Municipality of Monr $1,091
8 Wilkes-Barre $1,089
9 Scranton $1,081
10 Hazleton $1,078
11 Reading $1,077
12 Erie $1,071
13 Easton $1,058
14 Plum $1,057
15 New Castle $1,057
16 Pittsburgh $1,053
17 Bethlehem $1,045
18 Altoona $1,032
19 Bethel Park $1,019
20 Harrisburg $1,015
21 Lancaster $975
22 Williamsport $966
23 Lebanon $922
24 York $916
25 State College $869
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Rate quotes are comparative as the vehicle garaging location can raise or lower prices greatly.

Trying to find low-cost car insurance is not the easiest thing to do, and figuring out which company offers the best car insurance rates for 20 year old women takes a little more work. Coverage rates will be much higher than the average policy in Pennsylvania due to the potentially higher risk related to selling coverage for young women, but reasonable insurance should be possible if you look hard enough.

Every insurance provider has a proprietary method to establish rates, so let’s take a look at the most affordable car insurance companies in Pennsylvania. We do need to point out that Pennsylvania car insurance rates are based on many factors which can significantly increase or decrease the cost of your policy. Simply having a birthday, increasing deductibles, or getting a couple of tickets may prompt premium changes resulting in some rates now being much higher than others.

Best Car Insurance Prices for Women Age 20

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Cheapest Pennsylvania car insurance ranked by price
Rank Company Cost Per Year
1 General Casualty $718
2 Erie $800
3 Travelers $803
4 USAA $809
5 Penn National $816
6 Amica $992
7 Auto-Owners $993
8 Atlantic States $1,016
9 Donegal Mutual $1,058
10 Allied $1,144
11 GEICO $1,157
12 State Farm $1,198
13 California Casualty $1,198
14 State Auto $1,267
15 Encompass $1,398
16 Mutual Benefit Group $1,411
17 Harleysville $1,452
18 Progressive $1,472
19 Nationwide $1,491
20 Chubb $1,598
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General Casualty generally has some of the lowest car insurance rates in Pennsylvania at around $718 annually. Erie, Travelers, USAA, and Penn National also make the cut as some of the more affordable Pennsylvania auto insurance companies.

As depicted above, if you currently have coverage with USAA and switched to General Casualty, you might achieve an annual savings of in the vicinity of $91. Drivers with Penn National may save as much as $98 a year, and Amica policyholders might reduce rates by $274 a year.

Bear in mind that those premium estimates are averages for all types of insureds and vehicles and do not factor in a price increase for 20 year old women. So the company that fits your age and vehicle best may not even be included in the chart above. That illustrates why you need to compare as many prices as possible using your own driver and vehicle profiles.

Selecting a good quality insurance company can be rather challenging considering how many different companies there are to choose from in Pennsylvania. The information displayed below could help you analyze which companies to look at to insure your vehicles. The rankings below only include large, nationwide insurance companies, so companies without a large exposure are not taken into consideration for the list.

Top 10 Major Auto Insurance Companies in Pennsylvania Ranked by Customer Service

  1. Titan Insurance
  2. The Hartford
  3. American Family
  4. Progressive
  5. USAA
  6. Travelers
  7. State Farm
  8. GEICO
  9. Erie Insurance
  10. Allstate

Top 10 Major Auto Insurance Companies Overall in Pennsylvania

  1. The General
  2. Titan Insurance
  3. The Hartford
  4. Progressive
  5. Travelers
  6. State Farm
  7. Farmers Insurance
  8. Erie Insurance
  9. Safeco Insurance
  10. USAA

How to get the cheapest auto insurance for 20 year old women in Pennsylvania

The list below shows some of the recommended thrifty solutions that can help you buy lower-cost auto insurance.

  • Drop full coverage on older vehicles
  • Earn discounts for being claim-free
  • Raise your physical damage coverage deductibles
  • Save money by observing traffic laws and speed limits
  • Avoid accidents
  • Comparison shop at least every other year

That final tip is extremely significant, as was emphasized in the prior article. Prices charged by companies vary considerably, so don’t hesitate to switch companies if a cheaper price is available.

Many drivers tend to have loyalty to a certain company, but it’s not a good idea if that loyalty ends up costing hundreds of dollars year after year. If you have a few minutes, compare prices and find cheaper auto insurance for 20 year old women.