Cheap Car Insurance Quotes for a 20 Year Old Female in Illinois

The words “low-priced” and “auto insurance” really shouldn’t be used together, especially when trying to find the best coverage prices for 20 year old women. To save some money, let’s lead off by showing you a few of the things the can have a considerable influence on auto insurance rates, and see how we can help you take the sting out of the next policy you buy.

Buying budget car insurance is hard enough, and deciding which companies have the most affordable insurance rates for 20 year old women will take a little more work. Insurance prices should be quite a bit higher than the state average, with the extra cost attributed to the extra risk that comes with offering insurance for young women, but competitive coverage should be attainable if you are thorough. Each insurer has their own guidelines to establish rates, so let’s rank the insurance companies with the most affordable rates in Illinois.

Best Insurance Companies for Women Age 20

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The Hartford may have some of the most affordable car insurance rates in Illinois at around $776 annually. Rockford Mutual, Titan, Erie, and Cincinnati Insurance also rank well as some of the best Illinois insurance companies.

In the rate table above, if you are insured with Rockford Mutual and switched to The Hartford, you could earn a yearly price reduction of roughly $62. Illinois drivers with Titan might save as much as $76 a year, and Erie insureds might lower prices by up to $111 a year.

Understand that those premium estimates are averaged across all ages of drivers and types of vehicles and and are not figured with a rate surcharge for 20 year old women. So the auto insurance company that can offer the best rates for your situation may not even be shown in the list above. That’s why you need to get rate quotes using your own driver and vehicle profiles.

One of the many factors that insurance companies use when figuring the annual cost of car insurance is where you live in Illinois. Areas with more people like Cicero, Berwyn, and Des Plaines will most likely have higher rates, whereas cities that are not as densely populated benefit from lower rates.

The illustration below rates the higher priced cities in Illinois for 20 year old women in which to purchase auto insurance.

Price information shown is comparative as the specific zip code location can modify rates significantly.

The type of vehicle needing coverage is a large consideration when comparing the cheapest auto insurance for 20 year old women. Vehicles with reasonable performance levels, advanced safety features, or a track record of few liability claims will cost less to insure than high performance models. The next lists ranks car insurance rates for some of the most economical vehicles to insure in Illinois.

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

Above prices assume single female driver age 20, no speeding tickets, no at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium costs do not factor in your specific Illinois location which can lower or raise prices considerably.

Table data assumes single female driver age 20, no speeding tickets, no at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include claim-free, and safe-driver. Price estimates do not factor in the specific area where the vehicle is garaged which can decrease or increase auto insurance rates substantially.

The chart below demonstrates how choosing different deductibles can raise or lower premium costs when trying to find cheap insurance for 20 year old women. The prices are based on a married female driver, full coverage, and no discounts are applied to the premium.

As shown above, a 30-year-old driver could save $288 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $434 by switching to a $1,000 deductible. Younger drivers, like the Age 20 category, could roll back prices as much as $616 or even more just by using higher deductibles. If you do raise deductibles, it will be necessary to have additional funds squirreled away to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Which major car insurance company is best?

When it comes to car insurance, four companies you’ll want quotes from are State Farm, Allstate, Progressive, and Geico. They all have a little bit different set of discounts and options that may influence your choice. The table below rates pricing and service ratings, as well as optional policy coverages you can buy with each company.

Cheap insurance quotes for young women

Thanks to technology, there are a lot of ways to compare insurance prices in Illinois, but the most prevalent methods are through a non-exclusive or independent agent, a captive (or exclusive) agency such as Liberty Mutual or Allstate, or direct from companies such as Geico or Progressive.

You can use whichever method you prefer, but each is slightly different in how they price policies.

Independent insurance agencies write for multiple companies and can get rate quotes from all of them. Independent agents are not locked into one company and can provide you with more rate quotes, which may give you the best chance of saving money. If a cheaper rate is found, they simply move the coverage in-house and that require little work on your part.

An exclusive agent is able to place business with one company, two popular examples being Farmers Insurance or State Farm agents. This type of agents cannot give you multiple price quotes, so if their pricing is high, there is no alternative.

Drivers who opt to buy insurance direct do not use local agents and instead buy direct either online or via phone. Shopping for insurance direct may be good for families who have an average risk profile and have a decent understanding of the limitations of insurance.

Out of those three methods, which one works best to find cheap car insurance for 20 year old women in Illinois? The quick answer would be buying from a direct car insurance company yields the cheapest rates since it doesn’t require paying agent commissions, but that is generally not the case. We could also say that buying from an independent agent saves the most money since there are more companies to choose from, but that is not accurate either. In some circumstances, exclusive agents have coverage prices that independents and direct companies can’t touch.

Due to the large number of rating factors, really the best method to get rock-bottom rates is to obtain price quotes and compare them. Money-saving experts recommend you get prices from all three to have the best rate selection. For a list of companies with some of the cheapest Illinois insurance rates, click here to view.

How to get cheap car insurance for 20 year old women in Illinois

Here are some of the recommended money-saving ideas that can help you get the cheapest coverage.

• Drive attentively and avoid accidents
• Avoid speeding and other traffic citations and pay less
• Bundle home and auto and earn a discount
• Safer vehicles cost less to insure
• If possible, do not file small claims
• Shop around and save

That last piece of advice is notably valuable, as we hit on in the prior information. Rates fluctuate constantly, so don’t be unwilling to buy a policy from a new company if a cheaper rate is available. Many drivers tend to have loyalty to a certain company, but it isn’t a good idea if it’s costing you big bucks every year. It takes less than five minutes to compare prices and find cheaper car insurance for 20 year old women.