Best Cheap Auto Insurance for a 20 Year Old Female in Maryland

Cost and performance of the vehicle driven is a large consideration when comparing economical insurance for 20 year old women. Vehicles with higher performance characteristics, a lack of safety features, or a high likelihood of having liability claims will cost more to insure than more economical and safe models.

The tables below estimates auto insurance costs for a handful of the most budget-friendly automobiles to insure.

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

Prices above based on single female driver age 20, no speeding tickets, no at-fault accidents, $500 deductibles, and Maryland minimum liability limits. Discounts applied include claim-free, and safe-driver. Prices do not factor in Maryland location which can change auto insurance rates significantly.

Prices above based on single female driver age 20, no speeding tickets, no at-fault accidents, $500 deductibles, and Maryland minimum liability limits. Discounts applied include claim-free, and safe-driver. Prices do not factor in vehicle garaging location which can increase or decrease prices significantly.

Finding reliable, low-priced car insurance is difficult, and figuring out which company offers the most affordable car insurance rates for 20 year old women requires more quotes for comparison. Rates will probably be significantly higher than the average rate in Maryland due to the added risk that goes along with selling coverage for young women, but reasonably-priced coverage should be possible if you compare enough rates. Each auto insurance company uses different criteria to determine premium rates, so let’s take a look at the most competitive car insurance companies in Maryland.

We do need to point out that Maryland car insurance rates are impacted by many factors which can substantially decrease or increase the cost of your policy. Simply having another birthday, moving to a different location, or getting a driving violation can trigger rate changes that can cause some rates to be more expensive than competitors.

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USAA may have some of the lowest car insurance rates in Maryland at around $958 a year. Liberty Mutual, Penn National, Erie, and State Auto also are some of the more affordable Maryland auto insurance companies.

In this example, if you are a customer of Erie and switched to Liberty Mutual, you might see yearly savings of approxmiately $35. Insureds with State Auto might save as much as $76 a year, and Amica insureds might lower prices by up to $233 a year.

It’s important to note that these prices are averaged across all types of insureds and vehicles and and are not calculated with a rate surcharge for 20 year old women. So the car insurance company that is best for you may not even be included in the list of companies above. That point stresses why you need to compare as many prices as possible using your own driver data and vehicle information.

When shopping for cheaper auto insurance for young women, one of the many criteria that establish the annual cost of car insurance is where you keep your car in Maryland. Regions with more people or even just more weather-related claims like Baltimore, Dundalk, and Aspen Hill tend to pay higher rates, whereas areas with less people or fewer weather incidents generally have lower rates.

The information below illustrates the most expensive cities in Maryland for 20 year old women to buy an auto insurance policy in.

Rate information is estimated as the specific geographic location can modify insurance rates noticeably.

State Farm, Geico, Progressive, and Allstate: Who is cheapest?

If you’re looking for the best auto insurance for young women, the companies with the most market share are State Farm, Geico, Progressive, and Allstate. If you put them all together, they insure over 48% of the entire U.S. auto insurance market. All offer your standard physical damage and liability coverages, but each one has a little bit different set of discounts and options that may steer you one way or another. The following table points out pricing and service ratings, plus some optional coverages offered by each one.