The vehicle model you are seeking coverage for is a significant factor that determines whether or not you can buy low-cost coverage for 20 year old women. Vehicles with higher performance characteristics, poor passenger safety features, or a high likelihood of having liability claims will cost substantially more to insure than more economical and safe models.
The next table showcases car insurance prices for a selection of the most affordable automobiles to insure in Pennsylvania.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $2,359 |
| Ford Escape XLS 4WD | $2,366 |
| Hyundai Elantra SE Touring Station Wagon | $2,544 |
| Toyota Prius | $2,579 |
| Ford Explorer XLT 4WD | $2,645 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $2,650 |
| Dodge Grand Caravan SE | $2,645 |
| Ford Focus S 4-Dr Sedan | $2,760 |
| Ford Edge SEL 2WD | $2,769 |
| Chevrolet Impala LS | $2,760 |
| Ford Fusion S 4-Dr Sedan | $2,796 |
| Chevrolet Malibu LS | $2,806 |
| Toyota Camry LE | $2,796 |
| Toyota RAV4 Limited 4WD | $2,801 |
| Chevrolet Equinox LS AWD | $2,796 |
| Ford F-150 FX2 2WD | $2,831 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $2,837 |
| Honda Odyssey EX-L W/Navigation | $2,946 |
| Toyota Corolla XLE | $2,955 |
| Volkswagen Jetta SEL 4-Dr Sedan | $2,981 |
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Prices based on single female driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium costs do not factor in specific zip code location which can modify auto insurance rates considerably.
Based on these rates, you can infer that cars like the Honda CR-V, Ford Escape, and Hyundai Elantra are some of the more affordable vehicles to insure for young women. The price of auto insurance will tend to be more expensive just due to the fact that there is more liability exposure for 20 year old women, but in general those particular models will most likely have the best rates that you are likely to find.
For young women, one of the big criteria that help determine the price you pay for insurance is where your residence is in Pittsburgh. Regions with larger populations or more claims are more likely to have higher rates, whereas areas with less congestion have the benefit of cheaper car insurance.
The illustration below sorts the highest-priced areas in Pennsylvania for 20 year old women to buy auto insurance in. Pittsburgh shows up at #15 with an annual rate of $1,053 for car insurance, which is around $88 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Philadelphia | $1,997 |
| 2 | Drexel Hill | $1,549 |
| 3 | Chester | $1,435 |
| 4 | Levittown | $1,421 |
| 5 | Norristown | $1,281 |
| 6 | Allentown | $1,097 |
| 7 | Easton | $1,091 |
| 8 | Erie | $1,082 |
| 9 | Municipality of Monr | $1,081 |
| 10 | Hazleton | $1,078 |
| 11 | Bethlehem | $1,077 |
| 12 | Reading | $1,066 |
| 13 | New Castle | $1,057 |
| 14 | Plum | $1,057 |
| 15 | Pittsburgh | $1,053 |
| 16 | Wilkes-Barre | $1,047 |
| 17 | Scranton | $1,039 |
| 18 | Harrisburg | $1,025 |
| 19 | Bethel Park | $1,019 |
| 20 | Altoona | $1,012 |
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Rate quotes are estimated as specific Pittsburgh garaging address can affect auto insurance rates greatly.
Deciphering which companies quote the cheapest auto insurance rates for 20 year old women may require a bit more work than just getting one or two price quotes. Every insurance company uses a little different formula for setting rates, so let’s look at the rankings for the overall cheapest auto insurance companies in Pittsburgh, PA.
It’s important that readers know that Pennsylvania auto insurance rates are impacted by many things which can substantially change the cost of your policy. Getting older, increasing liability limits, or having an at-fault accident can trigger changes in premium resulting in some rates now being more affordable than competitors.
Cheap Insurance Rates for Women Age 20
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | General Casualty | $726 |
| 2 | Travelers | $779 |
| 3 | USAA | $793 |
| 4 | Erie | $816 |
| 5 | Penn National | $832 |
| 6 | Auto-Owners | $993 |
| 7 | Amica | $1,012 |
| 8 | Atlantic States | $1,047 |
| 9 | Donegal Mutual | $1,058 |
| 10 | GEICO | $1,157 |
| 11 | Allied | $1,179 |
| 12 | California Casualty | $1,198 |
| 13 | State Farm | $1,210 |
| 14 | State Auto | $1,279 |
| 15 | Encompass | $1,357 |
| 16 | Mutual Benefit Group | $1,397 |
| 17 | Harleysville | $1,410 |
| 18 | Nationwide | $1,447 |
| 19 | Progressive | $1,457 |
| 20 | Chubb | $1,551 |
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General Casualty generally has some of the lowest car insurance rates in Pittsburgh at around $726 a year. Travelers, USAA, Erie, and Penn National would also be considered some of the most economical Pittsburgh, PA insurance companies.
As depicted above, if you are a customer of Travelers and switched to General Casualty, you could see a yearly savings of in the neighborhood of $53. Pennsylvania drivers with USAA might save as much as $67 a year, and Erie policyholders might lower prices by up to $90 a year.
If you would like to find cheaper car insurance rates, click here or visit any of the companies below.
Bear in mind that those rates are averages across all types of insureds and vehicles and are not factoring in a specific zip code for 20 year old women. So the auto insurance company that is best suited for you may not even be in the top 30 companies shown above. That illustrates why you need to compare rates from as many companies as possible using your own personal information and vehicle type.
Cost of full coverage in Pittsburgh
Reducing the cost of auto insurance is important to most people, and one of the quickest ways to lower the cost of insurance for 20 year old women is to buy only liability coverage. The chart below shows the difference between insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. Data assumes no accidents or driving violations, $500 deductibles, single status, and no discounts are applied.
As an overall average, full coverage on your policy costs $1,554 per year more than just insuring for liability. At some point, almost every driver questions if you should buy full coverage at all. There is no exact formula for excluding physical damage coverage, but there is a general guideline you can use. If the annual cost of your full coverage insurance is about 10% or more of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.
For example, let’s say your vehicle’s settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $4,000 after you pay the deductible. If you are paying more than $400 a year for your policy with full coverage, then you may need to consider dropping full coverage.
There are a few situations where dropping full coverage is not recommended. If you haven’t paid off your loan, you must maintain physical damage coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should maintain full coverage.
The chart below illustrates how your choice of deductibles can affect insurance costs when getting quotes for cheap insurance for 20 year old women. The information is based on a single male driver, comp and collision included, and no discounts are taken into consideration.
A 50-year-old driver could lower their car insurance rates by $270 a year by changing from a $100 deductible to a $500 deductible, or save $408 by using a $1,000 deductible. Younger drivers, such as the 20-year-old example, could potentially save up to $888 annually by using a higher deductible. If you do decide to increase your deductibles, it is essential to have emergency funds available to be able to cover the extra out-of-pocket expense that comes with higher deductibles.
Responsible drivers pay cheaper auto insurance rates
The easiest method to earn good auto insurance prices in Pennsylvania for young women is to drive safe and maintain a clean driving record. The information below highlights how traffic violations and fender-benders drive up car insurance rates for different insured age categories. The rates are based on a single female driver, full coverage, $100 deductibles, and no other discounts are factored in.
The chart shows that the average cost of car insurance in Pittsburgh per year with a clean driving record and no accidents is $2,394. Get written up for two speeding tickets and the average cost increases to $3,223, an increase of $829 each year. Then throw in one accident along with the two speeding tickets and the yearly cost of auto insurance for 20 year old women goes up to an average of $4,076. That’s an increase of $1,681, or $140 per month, just for being a careless driver!
Who has the cheapest Pittsburgh car insurance?
Pittsburgh, PA auto insurance rates are impacted by many factors which can substantially change the cost of a policy. Simply turning a year older, increasing deductibles, or having a fender bender may prompt premium changes that can cause some rates to be more affordable than others. Not only may your situation change, but car insurance companies change prices multiple times each year to help ensure profitability. Higher than normal claims can result in additional price hikes, while lower claims may produce cheaper Pittsburgh car insurance rates.
To illustrate this example, the bar chart below shows a variety of companies that have the cheapest car insurance in Pittsburgh, PA for a 35-year-old female driver with no violations or accidents, and good credit. If we estimate rates based on her current rating profile, General Casualty might offer the cheapest car insurance rates in Pittsburgh at $844 per year. This is $813 less than the average policy premium paid by Pennsylvania drivers of $1,657. Travelers, USAA, Penn National, and Erie are the remainder of the top five cheapest Pittsburgh, PA auto insurance companies.
The chart below compares rates after we give the driver in the first chart a claim surcharge, a lower credit rating, and a traffic ticket or two. Since each company has a proprietary method to set their prices, comparing rates could result in a significantly different list of affordable Pittsburgh car insurance companies as shown below.
Auto-Owners now has the cheapest price in Pittsburgh, PA with Atlantic States, Donegal Mutual, USAA, and Penn National now rounding out the top five. This example illustrates why it is so important to perform an extensive rate comparison when trying to find the lowest insurance quotes for 20 year old women.
Rates are made up of many factors and can change without notice, so the cheapest company two years ago may now cost much more than other companies.