Cheap Auto Insurance Quotes for a 20 Year Old Female in Virginia

When buying insurance for young women, one of the key criteria that help determine insurance cost is your address in Virginia. Regions with more people or even just more weather-related claims like Lake Ridge, Alexandria, and Arlington tend to have higher rates, whereas areas that tend to be more rural enjoy lower insurance rates.

The illustration below shows the priciest cities in Virginia for 20 year old women to purchase auto insurance in.

Premium amounts are comparative as zip code location can influence premiums greatly.

We all have different tastes in cars, and the vehicle on the policy is one of the primary factors when comparison shopping for the best cheap car insurance for 20 year old women. Vehicles with lower acceleration and performance, excellent safety ratings, or low incidents of liability claims will cost significantly less to insure than adrenaline junky models. The next lists showcases auto insurance prices for the cheapest vehicles to insure in Virginia.

Premium data assumes single female driver age 20, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate information does not factor in Virginia location which can increase or decrease premium rates greatly.

Data rating is based on single female driver age 20, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, and claim-free. Prices do not factor in vehicle garaging location which can alter coverage prices considerably.

Premium data assumes single female driver age 20, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include claim-free, and safe-driver. Information does not factor in your specific Virginia location which can affect auto insurance rates considerably.

Comparing rates for cheap auto insurance is not always easy, and figuring out which company quotes the most affordable insurance rates for 20 year old women takes more quotes for comparison. Coverage rates should be much higher than the average policy in Virginia due to the potential for higher claims associated with offering coverage for young women, but reasonable coverage should be possible if you compare enough rates. Each insurance company uses a slightly different approach to establish rates, so first we will examine the insurance companies that tend to be cheaper in Virginia.

Keep in mind that Virginia insurance rates are impacted by many factors which can substantially decrease or increase the price you pay. Simply getting older, moving to a different location, or getting a ticket for running a stop sign can produce rate changes that may make certain companies cheaper than before.

Best Cheap Insurance Rates for Women Age 20

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Travelers normally has some of the cheapest car insurance rates in Virginia at around $679 annually. USAA, Penn National, Auto-Owners, and Cincinnati Insurance would also be considered some of the cheaper Virginia insurance companies.

As shown in the rates above, if you currently have a policy with Cincinnati Insurance and switched to USAA, you may see an annual savings of upwards of $47. Customers with Erie may save as much as $64 a year, and Utica National policyholders might see rate reductions of $72 a year.

Be aware that those estimates are averaged for all types of insureds and vehicles and are not factoring in a rate surcharge for 20 year old women. So the company that fits your age and vehicle best may not even be featured in the company chart above. That points out the importance of why you need to get rate quotes from many companies using your own specific driver and vehicle information.

The diagram below shows how choosing a deductible can influence insurance prices when trying to find cheap insurance for 20 year old women. The prices are based on a married male driver, comp and collision included, and no discounts are factored in.

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As shown above, a 50-year-old driver could lower their policy premium by $214 a year by switching from a $100 deductible up to a $500 deductible, or save $322 by changing to a $1,000 deductible. Even younger insureds, like the 20-year-old category, could reduce their rates $716 every year just by using higher deductibles. When choosing a higher deductible, it will be required to have plenty of savings on hand to enable you to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

How to get discounts on Virginia insurance rates

Insurers that offer cheap auto insurance for 20 year old women in Virginia may also provide price discounts that may potentially lower prices by as much as 25% or more if you meet certain criteria. Companies and the discounts they provide can be read below.

The information below illustrates the comparison of insurance costs with and without some available policy discounts. The price estimates are based on a male driver, a clean driving record, no at-fault accidents, Virginia state minimum liability limits, comp and collision included, and $250 deductibles.

The first bar for each age group shows the price with no discounts. The second shows the rates with anti-theft, good student, vehicle safety, passive restraint, continuous coverage, and paperless filing discounts applied. With discounts applied, the average amount saved each year on insurance for 20 year old women is 38% or $501.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 3115,2241],[‘Age 30’, 1589,1161],[‘Age 40’, 1449,1151],[‘Age 50’, 1401,1047],[‘Age 60’, 1717,1015]]);var options = {title: ‘Effect of Discounts on Insurance Price for a 20 Year Old Female’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

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

When comparing auto insurance, some of the largest companies to start with are Progressive, Allstate, State Farm, and Geico. Combined they have 48.5% of the entire U.S. car insurance market. All offer your standard physical damage and liability coverages, but each one has slightly different options that drivers can select from. The table below breaks down ratings for price, service, and claims, in additional to some of the optional coverages that you can purchase from each one.

Best cheap insurance quotes for young women

Consumers have many ways to get affordable insurance quotes in Virginia, but the three most common methods are through an exclusive insurance agency like State Farm or Auto-Owners, an independent agent, or buying direct from a company like Progressive or Geico. All three ways can provide insurance quotes, but they are slightly different in how they price policies.

Independent insurance agencies work with multiple companies and can compare rates with each one. These types of agencies do not work for one specific company and can compare multiple rates, which can help you get improved chances of finding a lower rate. If premiums increase, the business is moved internally and you stay with the same agent.

Exclusive agencies are ‘exlusive’ to a single company like an Allstate or Liberty Mutual agent. These guys and gals cannot place coverage with different providers, so if finding the cheapest insurance is your goal, you will want to shop around.

Drivers who opt to buy insurance direct do not use local agents and buy buying direct from a company like Geico or Progressive. Shopping for insurance direct may be a decent choice people who do not need advice for risk management and have a good understanding of how their policy works.

So what is the best way to find cheap auto insurance for 20 year old women in Virginia? One answer would be buying from a direct car insurance company saves the most money since there is no middleman, but in reality, that is not true. A valid argument could also be made that buying from an independent agent is the best way since there are more companies to choose from, but again, it’s not necessarily true. In the right set of circumstances, exclusive agents may have prices that cannot be met by either independent or direct companies.

Since insurance prices are based on many different factors, the best way to get rock-bottom rates is to get quotes and compare the rates. The best approach is to get price quotes all three ways in order to be able to find the lowest price. We compiled a list of companies with some of the cheapest online rates that you can click here to view.