How Much Does Auto Insurance Cost for a 20 Year Old Female in Vermont?

How Much Does Auto Insurance Cost for a 20 Year Old Female in Vermont?

Comparing rates for budget insurance is not the easiest thing to accomplish, and finding out which companies offer the cheapest auto insurance rates for 20 year old women takes a bit more work. Rates could be significantly higher than the state average, with the increase attributed to the posibility of more claims that goes along with selling coverage for young women, but reasonable insurance should be possible if you compare enough companies. Every auto insurer has a different process for filing rates in each state, so let’s take a look at the auto insurance companies with the overall best prices in Vermont.

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Vermont auto insurance company rankings
Rank Company Cost Per Year
1 Safeco $481
2 California Casualty $514
3 The Hartford $620
4 USAA $645
5 Travelers $715
6 Unitrin $717
7 Co-Operative Insurance $760
8 GEICO $883
9 Concord $891
10 MMG Insurance $1,052
11 MetLife $1,084
12 National Grange Mutual $1,168
13 Nationwide $1,200
14 Progressive $1,211
15 State Farm $1,315
16 Liberty Mutual $1,339
17 Vermont Mutual $1,548
18 Allstate $1,568
19 Sentry $1,921
20 Union Mutual $2,037
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Safeco generally has some of the cheapest car insurance rates in Vermont at around $481 each year. California Casualty, The Hartford, USAA, and Travelers would also make the list of some of the lowest-priced Vermont car insurance companies.

In the rate table above, if you are a policyholder with USAA and switched to California Casualty, you could realize yearly savings of around $131. Insureds with Travelers may save as much as $201 a year, and Unitrin customers might see rate reductions of $203 a year.

If you want to see how much you could save, click here to start your custom quote or quote rates from the companies below.

Be aware that those policy prices are averaged for all drivers and vehicles in Vermont and do not take into consideration a rate surcharge for 20 year old women. So the auto insurance company that fits you best may not even be shown in the above list. That affirms the importance of why you need to compare as many prices as possible using your own specific driver information and vehicle.

The type of vehicle on the policy is a large consideration when looking for the cheapest car insurance for 20 year old women. Vehicles with high performance, poor passenger safety features, or an increased likelihood of liability claims will cost substantially more to insure than safer, lower-performance models. The list below ranks insurance costs for the most economical automobiles to insure in Vermont.

Cheapest Auto Insurance Rates for a 20 Year Old Female in Vermont
Insured Vehicle Estimated Cost for Full Coverage
Honda Accord LX-P 4-Dr Sedan $963
Ford Escape XLT 2WD $971
Honda CR-V EX 2WD $963
Honda Odyssey LX $1,057
Ford Edge SE 2WD $1,066
Hyundai Tucson GLS 2WD $1,057
Chevrolet Traverse LT AWD $1,067
Subaru Forester X Premium AWD $1,072
Toyota Prius $1,067
Ford Explorer Eddie Bauer 2WD $1,072
Subaru Outback 2.5I $1,089
Toyota Tacoma 2WD $1,128
Dodge Grand Caravan Hero $1,143
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Prices above based on single female driver age 20, no speeding tickets, no at-fault accidents, $500 deductibles, and Vermont minimum liability limits. Discounts applied include safe-driver, and claim-free. Information does not factor in your specific Vermont location which can impact coverage prices greatly.

Looking at the rates, we can presume that cars like the Honda Accord, Ford Escape, Honda CR-V, Honda Odyssey, and Ford Edge are likely to be the most affordable vehicles to insure for young women. The price of auto insurance will be more costly because of the fact that there is more exposure for 20 year old women, but generally speaking those specific models will have the best rates that you are likely to find.

Progressive, State Farm, Allstate, or Geico: Who is best?

When it comes to buying car insurance, probably the best companies to start with are Progressive, State Farm, Allstate, and Geico. They all have a little bit different set of discounts and options that may influence your buying decision. The table below rates ratings and policy coverage options that are available for policyholders.

Ratings for Progressive, State Farm, Allstate, and Geico
Progressive State Farm Allstate Geico
Overall Price 3rd 2nd 4th 1st
Overall Satisfaction 3rd 4th 2nd 1st
Discounts Available 4th 3rd 1st 2nd
Claims Service 4th 2nd 1st 3rd
Market share percentage 8.8% 18.3% 10% 11.4%
Customers who recommend 88% 88% 86% 87%
Breakdown insurance Yes No No Yes
Uber and Lyft insurance Yes Yes Yes Yes
New car replacement No No Yes No
Accident forgiveness coverage Yes No Yes Yes
Emergency roadside assistance Yes Yes Yes Yes
Usage-based insurance Yes Yes Yes No
Offered in Vermont Yes Yes Yes Yes
Where to buy Buy online or from an independent agent State Farm-only agents Only buy from Allstate agents Online or through a Geico agent
Number of agents 30,000+ 18,000+ 11,000+ 150+
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