Who Has the Cheapest Car Insurance Quotes for a 20 Year Old Female in Alabama?

Who Has the Cheapest Car Insurance Quotes for a 20 Year Old Female in Alabama?

The words “bargain” and “insurance” probably shouldn’t be used together, in particular when you are searching for the best car insurance rates for 20 year old women. To save some money, let’s start the ball rolling by going over some things that help determine auto insurance prices, and find out if we can help you reduce the price of the next policy you buy.

The model of vehicle you are buying coverage for is one of the largest considerations that determines whether or not you can buy the cheapest car insurance for 20 year old women in Alabama. Vehicles with economical engines, a plethora of safety features, or a track record of few liability claims will cost less to insure than adrenaline junky models.

The tables below outlines auto insurance costs for the most economical automobiles to buy insurance for.

Insurance Rates for Popular Cars in Alabama
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LS $2,044 $1,022 $170
Ford Focus SE 4-Dr Sedan $2,018 $1,009 $168
Honda Accord EX-L 2-Dr Coupe $2,338 $1,169 $195
Honda Civic LX 4-Dr Sedan $2,128 $1,064 $177
Hyundai Elantra Blue 4-Dr Sedan $2,128 $1,064 $177
Hyundai Sonata GLS 4-Dr Sedan $2,204 $1,102 $184
Nissan Altima 2.5 S 2-Dr Coupe $2,338 $1,169 $195
Toyota Camry LE $2,044 $1,022 $170
Toyota Corolla XRS $2,178 $1,089 $182
Volkswagen Jetta SE 4-Dr Sedan $2,178 $1,089 $182
Get a Custom Quote for Your Car Go

Above prices assume single female driver age 20, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium amounts do not factor in vehicle garaging location which can lower or raise rates considerably.

Insurance Rates for Popular SUVs and Crossovers in Alabama
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura MDX Advance/Entertainment 4WD $2,204 $1,102 $184
BMW X5 M AWD $2,614 $1,307 $218
Buick Enclave XL AWD $2,204 $1,102 $184
Cadillac Escalade Hybrid 2WD $2,748 $1,374 $229
Chevrolet Traverse LT AWD $1,886 $943 $157
Ford Escape Limited 2WD $1,752 $876 $146
Ford Expedition Eddie Bauer 4WD $1,996 $998 $166
Ford Explorer XLT AWD $1,934 $967 $161
GMC Acadia SL AWD $1,934 $967 $161
Honda CR-V EX 4WD $1,752 $876 $146
Honda Pilot Touring 4WD $2,068 $1,034 $172
Jeep Grand Cherokee Laredo 4WD $2,044 $1,022 $170
Toyota Highlander Sport 4WD $2,068 $1,034 $172
Toyota RAV4 2WD $2,044 $1,022 $170
Get a Custom Quote for Your SUV or Crossover Go

Prices based on single female driver age 20, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium amounts do not factor in specific location which can alter coverage prices noticeably.

Auto Insurance Rates for Popular Pickup Trucks in Alabama
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado 3500HD LTZ Crew Cab Diesel 2WD $2,342 $1,171 $195
Chevrolet Silverado LT Regular Cab 2WD $2,204 $1,102 $184
Dodge Ram 2500 Mega Cab Laramie 4WD $2,502 $1,251 $209
Dodge Ram 3500 Crew Cab Laramie 2WD $2,342 $1,171 $195
Dodge Ram Quad Cab TRX4 Off Road 2WD $2,228 $1,114 $186
Ford F-150 XLT Crew Cab 2WD $1,934 $967 $161
Ford F-250 XLT Turbo Diesel 4WD $2,512 $1,256 $209
GMC Canyon SLE Crew Cab 2WD $2,018 $1,009 $168
GMC Sierra SLT Crew Cab 4WD $2,316 $1,158 $193
Toyota Tundra SR/5 Crew Max 2WD $2,204 $1,102 $184
Get a Custom Quote for Your Truck Go

Premium data assumes single female driver age 20, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include safe-driver, and claim-free. Price information does not factor in Alabama location which can influence premiums noticeably.

For young women, one of the big considerations that insurance companies take into consideration when calculating the policy price is where your residence is in Alabama. Cities that have higher claim levels or more people like Birmingham, Homewood, and Prichard tend to pay higher rates, whereas areas with less people or fewer weather incidents receive better rates.

The table below lists the most expensive places in Alabama for 20 year old women to buy an auto insurance policy in.

Car insurance prices in Alabama
Rank City Average Per Year
1 Birmingham $1,480
2 Bessemer $1,449
3 Homewood $1,406
4 Mobile $1,397
5 Prichard $1,371
6 Montgomery $1,365
7 Gadsden $1,353
8 Vestavia Hills $1,351
9 Alabaster $1,336
10 Tuscaloosa $1,333
11 Phenix City $1,326
12 Hoover $1,314
13 Prattville $1,305
14 Northport $1,297
15 Opelika $1,294
16 Auburn $1,283
17 Anniston $1,279
18 Athens $1,275
19 Daphne $1,264
20 Dothan $1,254
21 Madison $1,253
22 Huntsville $1,238
23 Decatur $1,236
24 Enterprise $1,229
25 Florence $1,227
Find the Best Rates Go

Premium amounts are estimated as the specific geographic location can increase or decrease prices considerably.

The information below shows how choosing a deductible can increase or decrease insurance prices when getting quotes for cheap insurance for 20 year old women. The premium estimates are based on a married male driver, full coverage, and no additional discounts are factored in.

As shown above, a 30-year-old driver could cut expenses by $350 a year by increasing from a $100 deductible to a $500 deductible, or save $528 by changing to a $1,000 deductible. Young drivers, such as the Age 20 example, could reduce their rates as much as $1,068 annually just by using higher deductibles.

If you do decide to increase your deductibles, it is necessary to have additional funds in a savings account to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Reckless driving habits raise auto insurance rates

In a perfect world, the ideal way to find the cheapest car insurance for 20 year old women in Alabama is to drive safely and avoid accidents and traffic violations. The illustration below highlights how speeding tickets and at-fault collisions can increase insurance premiums for each different age category. The price estimates are based on a married male driver, full coverage, $100 deductibles, and no discounts are applied.

In the previous chart, the average cost of car insurance in Alabama per year with no accidents or violations is $1,653. Add in two speeding tickets and the average cost hikes up to $2,285, an increase of $632 each year. Now add two accidents along with the two speeding tickets and the annual cost of auto insurance for 20 year old women jumps again to an average of $4,527. That’s an increase of $2,874, or $240 per month, just for not being a responsible driver!

Find the cheapest car insurance for 20 year old women in Alabama

Here are a few thrifty ideas that can help you locate more affordable coverage.

  • The safer your car, the less it costs to insure
  • Tickets and violations raise rates
  • On older vehicles, drop full coverage
  • Increase your comprehensive and collision deductibles
  • Higher credit scores can equal lower rates
  • Avoid at-fault accidents and claims
  • Compare rates regularly to ensure the best deal

The last item on the list is extremely critical, as was emphasized in this article. Coverage prices in Alabama can change in a short period of time, so don’t hesitate to switch carriers if you find a better deal. Having a favorite company is fine, but it’s not a great idea if that dedication is costing big bucks every year. Now is a great time to shop around and find cheaper auto insurance for 20 year old women.