How Much is San Francisco Auto Insurance for a 20 Year Old Female?

This would be a really short article if we could just tell you the company that has the cheapest coverage in California. Unfortunately, it’s not that simple as there are many unknowns like your marital status, your gender, the crash test ratings of your vehicle, and if you need full coverage or liability-only, that all impact the cost of your policy. The information below will cover some of these criteria and will hopefully give you a good beginning to your quest for cheaper car insurance in San Francisco.

Trying to find reasonably-priced car insurance is not most people’s favorite thing to do, and finding out which company quotes the best insurance rates for 20 year old women will involve even more rate comparisons. Every insurance company uses their own method for determining prices, so let’s rank the lowest cost insurance companies in San Francisco, CA.

We do need to point out that San Francisco insurance rates are based on many factors that can increase the price of coverage. This is why drivers need to perform an extensive rate comparison to find the lowest insurance quotes for 20 year old women. Auto insurance prices are determined by many things and can increase or decrease at any time, so the cheapest option six months ago may now be quite expensive.

Cheap Insurance Rates for Women Age 20

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USAA may offer some of the lowest car insurance rates in San Francisco at around $1,109 annually. Wawanesa, CSAA, Nationwide, and Century National also are some of the most economical San Francisco, CA auto insurance companies.

As depicted above, if you currently have a policy with Nationwide and switched to Wawanesa, you could earn an annual savings of in the neighborhood of $32. Policyholders with Century National may save as much as $33 a year, and 21st Century customers might cut rates by $157 a year.

If you want to find out if you’re overpaying, click here to begin a quote or visit several of the following companies.

Understand that those policy prices are averaged for all drivers and vehicles and and are not figured with a specific zip code for 20 year old women. So the car insurance company that has the cheapest price for you may not even be in the list above. That points out the importance of why you need to compare as many prices as possible using your own specific driver and vehicle information.

The vehicle model needing coverage is one of the main factors when shopping around for cheap car insurance for 20 year old women. Vehicles with higher performance characteristics, a lack of modern safety features, or a track record of large liability claims will cost much more to insure than more modest models. The next table features coverage costs for the most budget-friendly automobiles to insure.

Cheapest Vehicles to Insure in San Francisco, CA
Insured Vehicle Estimated Cost for Full Coverage
Honda CR-V LX 4WD $3,151
Hyundai Elantra GLS Touring Station Wagon $3,161
Ford Escape XLS 4WD $3,151
Toyota Prius $3,445
Ford Edge SE 2WD $3,488
Ford Explorer XLT AWD $3,534
Toyota Tacoma 4WD $3,543
Honda Civic DX 4-Dr Sedan $3,689
Toyota RAV4 Sport 4WD $3,735
Chevrolet Malibu LS $3,741
Ford Fusion S 4-Dr Sedan $3,735
Chevrolet Impala LT $3,743
Jeep Grand Cherokee Laredo 2WD $3,735
Ford F-150 Lariat Crew Cab 4WD $3,781
Dodge Grand Caravan Crew $3,788
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $3,893
Ford Focus SEL 4-Dr Sedan $3,899
Toyota Camry XLE $3,939
Toyota Corolla S $3,945
Honda Odyssey EX-L W/Navigation $3,939
GMC Sierra 2500HD SLE Crew Cab 4WD $3,985
GMC Sierra SLT Crew Cab 2WD $3,991
Volkswagen Jetta SEL 4-Dr Sedan $3,985
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Table data assumes single female driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, and safe-driver. Estimates do not factor in vehicle location which can change prices noticeably.

By looking at the data, makes and models like the Honda CR-V, Hyundai Elantra, Ford Escape, and Toyota Prius are most likely to be some of the less-costly vehicles to insure for young women. The cost of a car insurance policy will tend to be more expensive anyway just due to the fact that there is more claim exposure for 20 year old women, but in general those models will tend to have the lowest insurance rates compared to all other vehicles.

Types of discounts on San Francisco car insurance

Save on insurance for young women in San FranciscoCar insurance companies that provide coverage for 20 year old women may also provide policy discounts that can lower rates by as much as 35% or more if you meet certain criteria. Larger insurance companies and a partial list of their discounts are included below.

The example below illustrates the difference between car insurance costs with and without discounts applied to the premium. The price estimates are based on a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles.

The first bar for each age group shows premium with no discounts. The lower bar shows the rates with paid-in-full, paperless filing, vehicle safety, passive restraint, continuous coverage, and good student discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on insurance for 20 year old women is 19% or $354.

The example below shows how different deductible levels can impact premium costs when researching cheap insurance for 20 year old women. The information is based on a married male driver, comp and collision included, and no policy discounts are applied.

In the chart above, a 30-year-old driver could lower rates by $342 a year by changing from a $100 deductible to a $500 deductible, or save $516 by changing to a $1,000 deductible. Younger drivers, such as the 20-year-old chart data, could save up to $1,026 or more just by using higher deductibles. If you do make the decision to raise your deductibles, it will be important to have enough spare savings to enable you to cover the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Cautious San Francisco drivers save money

The ideal way to maintain cheap insurance premiums in California for young women is to drive attentively and avoid accidents and violations. The example below highlights how traffic violations and fender-benders can increase insurance costs for different age groups. The premiums assume a married female driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.

In the example above, the average cost of a car insurance policy in California per year with no accidents and a clean driving record is $1,598. Get two speeding tickets and the average cost jumps to $2,264, an increase of $666 each year. Then add one accident along with the two speeding tickets and the yearly cost of insurance for 20 year old women jumps again to an average of $2,935. That’s an increase of $1,337, or $111 per month, just for not maintaining a clean driving record!