Who Has the Cheapest Long Beach Auto Insurance for a 20 Year Old Female?

The words “bargain” and “insurance” probably shouldn’t be used in the same sentence, specifically when shopping around for the lowest insurance prices for 20 year old women. To help control this cost, let’s start the ball rolling by going over some of the factors that have a considerable impact on auto insurance premiums, and see if you can take the bite out of the next policy you buy.

The vehicle you are insuring is one of the biggest factors when comparing the cheapest auto insurance for 20 year old women. Vehicles with reasonable performance levels, a great safety record, or a track record of few liability claims will cost quite a bit less to insure than high performance models. The next table shows insurance rates for a selection of the most affordable automobiles to insure in California.

Cheapest Vehicles to Insure in Long Beach, CA
Make and Model Estimated Cost for Full Coverage
Honda CR-V EX 2WD $2,681
Ford Escape XLT 4WD $2,721
Jeep Wrangler Sport 4WD 2-Dr $2,799
Toyota Prius $2,934
Chevrolet Impala LT $3,182
Toyota RAV4 Sport 4WD $3,189
Volkswagen Jetta S 4-Dr Sedan $3,182
Chevrolet Malibu LS $3,188
Dodge Grand Caravan Crew $3,222
Ford Explorer Limited 4WD $3,230
Toyota Tacoma Double Cab TRD Sport Package 4WD $3,222
Ford F-150 FX2 2WD $3,232
Ford F-350 XL Super Cab 2WD $3,262
Honda Civic VP 4-Dr Sedan $3,315
Ford Focus SEL 4-Dr Sedan $3,321
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Price 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 safe-driver, and claim-free. Price estimates do not factor in your specific Long Beach, CA location which can influence rates considerably.

Based upon these rates, you can assume that cars like the Honda CR-V, Ford Escape, Jeep Wrangler, Toyota Prius, and Chevrolet Impala are some of the less-costly vehicles to insure for young women. Auto insurance rates will tend to be more expensive because of the fact that there is more inherent risk for 20 year old women, but overall those models will have the cheapest auto insurance rates available.

One of the more important things that are used to help calculate car insurance rates is your zip code. Areas with more people or more claims tend to have higher auto insurance costs, whereas areas with less congestion receive better rates.

The illustration below shows the most expensive places in California for 20 year old women in which to buy car insurance. Long Beach comes in at #7 with an annual premium of $1,578 for the average policyholder, which is approximately $132 monthly.

How much is car insurance in Long Beach?
Rank City Annual Premium
1 Los Angeles $2,146
2 Glendale $2,079
3 Sacramento $1,720
4 San Francisco $1,711
5 Oakland $1,687
6 San Bernardino $1,596
7 Long Beach $1,578
8 Santa Clarita $1,548
9 Stockton $1,541
10 Garden Grove $1,524
11 Fontana $1,519
12 Moreno Valley $1,506
13 Modesto $1,502
14 Santa Ana $1,497
15 Riverside $1,482
16 Fresno $1,472
17 Anaheim $1,444
18 San Jose $1,381
19 Bakersfield $1,381
20 Fremont $1,361
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Rate quotes are approximated as the specific area where the vehicle is garaged can modify coverage rates significantly.

Drive responsibly or pay higher rates

The ideal way to enjoy cheap auto insurance rates for young women is to drive attentively and avoid traffic citations and accidents. The chart below demonstrates how traffic citations and at-fault claims can affect yearly insurance costs for different age categories. The premiums are based on a single female driver, full coverage, $500 deductibles, and no other discounts are factored in.

The chart shows that the average cost of car insurance per year with no violations or accidents is $2,637. Receive one speeding ticket and the average cost hikes up to $2,993, an increase of $356 each year. Then add in one accident along with the one speeding ticket and the annual cost of auto insurance for 20 year old women jumps again to an average of $3,993. That’s an increase of $1,356, or $113 per month, just for being a little careless behind the wheel!

Finding the highest-rated company is hard considering how many companies there are to choose from in Long Beach. The company rank data in the lists below can help you select which car insurance companies to look at comparing rates from. The ratings below include companies with a national presence, so smaller regional companies are not factored into these rankings.

Top 10 Major Auto Insurance Providers in Long Beach Ranked by A.M. Best Rating

  1. USAA – A++
  2. Travelers – A++
  3. State Farm – A++
  4. GEICO – A++
  5. Esurance – A+
  6. Nationwide – A+
  7. Allstate – A+
  8. Mercury Insurance – A+
  9. Progressive – A+
  10. Titan Insurance – A+

Full coverage versus liability only rates

Finding the cheapest auto insurance should be important to most vehicle owners, and an effective way to find cheaper insurance for 20 year old women is to not buy full coverage. The diagram below shows the difference between insurance rates when comparing full coverage to liability only. The prices are based on a clean driving record, no at-fault accidents, $500 deductibles, single marital status, and no policy discounts are applied.

Averaged for all ages 20 through 70, physical damage insurance costs $2,772 per year more than carrying just liability coverage. That is a large expense and it proposes the question when is it safe to stop buying full coverage. There is no clear-cut formula to stop paying for physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than around 10% of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.

For example, let’s pretend your vehicle’s claim settlement value is $10,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would receive is $9,000 after the deductible is paid. If premiums are more than $900 annually for your policy with full coverage, then it may be the right time to buy liability only.

How to find more affordable auto insurance for 20 year old women

The list below shows a few thrifty ideas that can help drivers get low-cost coverage.

That last tip is incredibly necessary, as was affirmed in this piece. Auto insurance rates in Long Beach can change considerably in a year, so don’t be unwilling to switch carriers if a better deal can be had.

Staying with the same company for years is fine, but we do not recommend it if that dedication is costing hundreds of dollars a year. Take a few minutes and shop around to find cheaper car insurance for 20 year old women.

If you have questions and prefer to get some professional input when comparing insurance rates for young women, the agents below are a good start to provide answers to your questions and help you determine which coverage fits your budget. To locate a Long Beach car insurance agency near you, click the button at the bottom of the list or click here to compare rates now.

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