The words “low-priced” and “insurance” really should not be used together, especially when shopping around for the best car insurance for 20 year old women. To help control this cost, let’s open your eyes to some situations that significantly impact auto insurance rates, and figure out some ways to cut the cost of your next policy.
Establishing which insurers offer the cheapest auto insurance rates for 20 year old women involves more work in order to find the best price. Each auto insurer has their own unique process for setting prices, so we need to take a look at the most budget-friendly auto insurance companies in Kansas.
It’s a good idea to be aware that Kansas auto insurance rates are impacted by many things which can substantially decrease or increase the policy premium. Getting older, buying higher coverage limits, or getting a reckless driving citation can trigger price changes that can make some companies cheaper than competitors.
Compare Cheap Insurance Quotes for Women Age 20
Rank | Company | Cost Per Year |
---|---|---|
1 | USAA | $750 |
2 | The Hartford | $815 |
3 | Allied | $1,054 |
4 | Auto-Owners | $1,063 |
5 | Travelers | $1,095 |
6 | Farmers | $1,140 |
7 | Farm Bureau Mutual | $1,175 |
8 | State Farm | $1,245 |
9 | Nationwide | $1,269 |
10 | California Casualty | $1,293 |
11 | American Family | $1,308 |
12 | Progressive | $1,382 |
13 | National Farmers Union | $1,473 |
14 | Auto Club | $1,479 |
15 | Safeco | $1,485 |
16 | Liberty Mutual | $1,516 |
17 | GEICO | $1,561 |
18 | Electric | $1,677 |
19 | Shelter | $1,735 |
20 | Safe Auto | $1,811 |
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USAA offers some of the lowest car insurance rates in Kansas at around $750 each year. The Hartford, Allied, Auto-Owners, and Travelers would also be considered some of the best Kansas car insurance companies.
In the rate table above, if you currently have a policy with Travelers and switched to The Hartford, you may see annual savings of about $280. Drivers with Farmers may save as much as $325 a year, and Farm Bureau Mutual policyholders might see rate reductions of $360 a year.
These policy rates are averages for all types of insureds and vehicles and are not factoring in a price 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 helps illustrate why you need to get rate quotes from many companies using your own specific driver information and vehicle.
The model of vehicle on the policy is probably the most important factor in finding the best cheap car insurance for 20 year old women in Kansas. Vehicles with limited top-end speed, good crash test ratings, or a track record of few liability claims will cost quite a bit less to insure than higher performance models.
The information below outlines coverage costs for a number of the most economical vehicles to buy insurance for.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Malibu Hybrid | $1,738 | $869 | $145 |
Ford Focus SE 2-Dr Coupe | $1,964 | $982 | $164 |
Ford Fusion Hybrid 4-Dr Sedan | $2,206 | $1,103 | $184 |
Hyundai Elantra Blue 4-Dr Sedan | $1,810 | $905 | $151 |
Hyundai Sonata SE 4-Dr Sedan | $1,964 | $982 | $164 |
Kia Optima EX | $1,986 | $993 | $166 |
Nissan Altima Hybrid 4-Dr Sedan | $1,854 | $927 | $155 |
Volkswagen Jetta 2.0T 4-Dr Sedan | $1,854 | $927 | $155 |
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Price data assumes single female driver age 20, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kansas minimum liability limits. Discounts applied include safe-driver, and claim-free. Estimates do not factor in vehicle location which can decrease or increase premium rates considerably.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Acura RDX Technology Package AWD | $1,694 | $847 | $141 |
BMW X5 M AWD | $2,222 | $1,111 | $185 |
Cadillac Escalade Luxury Edition 2WD | $2,248 | $1,124 | $187 |
Chevrolet Traverse LS 2WD | $1,484 | $742 | $124 |
Ford Escape XLS 4WD | $1,462 | $731 | $122 |
Ford Expedition King Ranch 2WD | $1,714 | $857 | $143 |
Ford Explorer Limited AWD | $1,760 | $880 | $147 |
GMC Acadia SLT 2WD | $1,738 | $869 | $145 |
Honda CR-V EX-L 4WD | $1,484 | $742 | $124 |
Honda Pilot EX 4WD | $1,666 | $833 | $139 |
Jeep Grand Cherokee SRT-8 4WD | $1,854 | $927 | $155 |
Jeep Patriot Sport 4WD | $1,622 | $811 | $135 |
Kia Sportage LX 2WD 4-Dr | $1,622 | $811 | $135 |
Toyota Highlander SE 4WD | $1,874 | $937 | $156 |
Toyota RAV4 4WD | $1,738 | $869 | $145 |
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Cost estimates assume single female driver age 20, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kansas minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium amounts do not factor in specific garaging location which can impact premium rates considerably.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Silverado 2500HD LT Crew Cab Diesel 2WD | $2,100 | $1,050 | $175 |
Chevrolet Silverado 3500HD LT Crew Cab 2WD | $1,874 | $937 | $156 |
Chevrolet Silverado Crew Cab Hybrid 2WD | $1,948 | $974 | $162 |
Dodge Ram Crew Cab TRX 2WD | $1,892 | $946 | $158 |
Ford F-150 Lariat Crew Cab Platinum 2WD | $1,854 | $927 | $155 |
Ford F-350 Super Cab Cabela Package 2WD | $1,874 | $937 | $156 |
GMC Canyon SLE Ext Cab Z71 4WD | $1,738 | $869 | $145 |
GMC Sierra 2500HD SLT Crew Cab 4WD | $1,948 | $974 | $162 |
GMC Sierra SLT Extended Cab 2WD | $1,854 | $927 | $155 |
Toyota Tundra SR/5 Crew Max 4WD | $2,006 | $1,003 | $167 |
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Data based on single female driver age 20, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kansas minimum liability limits. Discounts applied include claim-free, and safe-driver. Prices do not factor in vehicle garaging location which can impact auto insurance rates considerably.
Finding the best cheap car insurance for 20 year old women in Kansas should be important to the majority of vehicle owners, and an effective way to pay lower rates for insurance is to only pay for liability coverage. The information below shows the difference between car insurance costs with and without full coverage. The data is based on no claims, a clean driving record, $100 deductibles, marital status is single, and no additional discounts are factored in.
Averaged out for all age groups, physical damage coverage costs $1,646 per year more than just buying liability only. That raises the question if full coverage is worth the money. There is no set guideline to drop full coverage, but there is a guideline you can consider. If the annual cost of coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.
There are some circumstances where only buying liability is not recommended. If you still owe a portion of the original loan, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should keep full coverage.
Choosing the best auto insurance provider can be challenging considering how many companies there are to choose from in Kansas. The rank data displayed below may help you select which companies to look at when comparing rate quotes. The ratings below only include the largest companies in America, so smaller regional companies are not included in this list.
Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
---|---|---|---|---|---|---|
USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
American Family | 88 | 92 | 83 | 88% | A | 89.4 |
Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
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Data Source: Insure.com Best Car Insurance Companies
The list below summarizes many penny-pinching ideas that can help Kansas drivers locate low-cost coverage.
That last piece of advice is highly important, as was emphasized in this write-up. Prices charged by auto insurers can be adjusted at any time, so drivers shouldn’t be reluctant to buy from a different company if you can save money. Many drivers tend to have loyalty to a certain company, but is isn’t recommended if that dedication is costing lots of hard earned cash every month. Take a couple minutes and shop around to find cheaper insurance for 20 year old women.