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