How Much are Car Insurance Quotes for a 20 Year Old Female in San Jose?

Finding decent, budget insurance is not easy, and deciding which companies offer the most affordable auto insurance rates for 20 year old women involves even more diligence.

Every car insurance company has a different process to determine premium rates, so first we will examine the auto insurance companies that tend to be cheaper in San Jose. It’s important that you understand San Jose auto insurance rates are influenced by many factors which can significantly increase or decrease the price you have to pay. Events like turning one year older, moving to a different location, or getting a ticket for running a stop sign can trigger changes in premium that can make some companies affordable when they were higher priced.

Compare Cheap Insurance Quotes for Women Age 20

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USAA may offer some of the most affordable car insurance rates in San Jose at around $1,155 per year. This is $496 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also make the cut as some of the more affordable San Jose, CA auto insurance companies.

In the above rates, if you currently buy coverage from Wawanesa and switched to USAA, you might achieve annual savings of about $26. Drivers with Century National could save as much as $71 a year, and CSAA customers might lower prices by $79 a year.

To find out how much you can save, click here to start a quote or visit any of the companies below.

Remember that these rates are averages across all ages of drivers and types of vehicles and and are not calculated with an exact vehicle garaging location for 20 year old women. So the car insurance company that is most affordable for your situation may not even be in the top 24 companies shown above. That illustrates why you need to get rate quotes from many companies using your own specific driver and vehicle information.

The make and model of vehicle you are seeking coverage for is one of the largest factors when consumers are trying to find the lowest-priced insurance for 20 year old women. Vehicles with reasonable performance levels, a great safety record, or low incidents of liability claims will cost quite a bit less to insure than higher performance models. The data below outlines coverage prices for the most affordable automobiles to buy insurance for.

Cheapest Vehicles to Insure in San Jose, CA
Make, Model, and Trim Level Estimated Cost for Full Coverage
Ford Escape XLS 2WD $2,054
Honda Accord LX-P 4-Dr Sedan $2,061
Hyundai Elantra GLS Touring Station Wagon $2,054
Honda CR-V LX 4WD $2,063
Toyota Prius $2,247
Jeep Wrangler Rubicon 4WD 2-Dr $2,302
Ford Focus S 4-Dr Sedan $2,403
Toyota Tacoma Double Cab 4WD $2,434
Toyota RAV4 Limited 4WD $2,442
Chevrolet Malibu LS $2,434
Toyota Camry LE $2,440
Nissan Altima 2.5 4-Dr Sedan $2,434
Dodge Grand Caravan Hero $2,439
GMC Sierra SL Extended Cab 2WD $2,434
Ford Explorer Limited 4WD $2,464
Ford F-150 FX2 2WD $2,471
Honda Civic LX 4-Dr Sedan $2,535
Honda Odyssey EX-L W/Rear Entertainment $2,565
Chevrolet Impala LTZ $2,571
Toyota Corolla LE $2,565
Ford Edge Limited AWD $2,572
Chevrolet Equinox LTZ 2WD $2,596
Ford Fusion SE 4-Dr Sedan $2,603
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Above prices assume 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. Rates do not factor in the specific area where the vehicle is garaged which can raise or lower premium rates greatly.

Based upon the rates shown, we can expect vehicles like the Ford Escape, Honda Accord, and Hyundai Elantra are most likely going to be some of the cheapest vehicles to insure for young women. The price for car insurance will tend to be higher just due to the fact that there is more inherent risk for 20 year old women, but in general those models will have the cheapest auto insurance rates compared to other vehicles.

For young women, one of the big things that are looked at to help calculate the amount you pay each year for auto insurance is where your car is garaged in San Jose. Areas with high crime rates or more dense population tend to have more expensive auto insurance rates, whereas less populated areas benefit from lower prices.

The next table rates the most costly cities in California for 20 year old women to buy car insurance in. San Jose ranks #18 with an annual rate of $1,437 for the average insurance policy, which is approximately $120 each month.

How much is car insurance in San Jose?
Rank City Premium Per Year
1 Los Angeles $2,168
2 Glendale $2,121
3 San Francisco $1,745
4 Oakland $1,738
5 Sacramento $1,720
6 San Bernardino $1,628
7 Stockton $1,603
8 Long Beach $1,562
9 Garden Grove $1,554
10 Moreno Valley $1,551
11 Santa Clarita $1,548
12 Fontana $1,519
13 Fresno $1,502
14 Modesto $1,487
15 Santa Ana $1,483
16 Riverside $1,482
17 Anaheim $1,474
18 San Jose $1,437
19 Huntington Beach $1,416
20 San Diego $1,381
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Information shown are approximated as the specific garaging location can raise or lower price quotes considerably.

Liability rates compared to full coverage

Paying a lower price for auto insurance is probably important to most vehicle owners, and one way to buy cheap insurance for 20 year old women is to buy liability only. The illustration below compares insurance costs when comparing full coverage to liability only. The premiums are based on no claims or violations, $250 deductibles, drivers are not married, and no discounts are applied.

As an overall average, comprehensive and collision coverage on your policy costs $3,093 per year over having just liability coverage. That may make you wonder when is it a good idea to stop buying full coverage. There is no clear-cut formula to stop buying physical damage insurance, but there is a general guideline. If the yearly cost of full coverage is more than around 10% of any settlement you would receive from your insurance company, then it could be time to drop full coverage.

For example, let’s say your vehicle’s claim settlement value is $7,500 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company will settle for is $6,500 after the policy deductible has been paid. If you are paying more than $650 a year for physical damage coverage, then you might consider buying liability only.

There are a few situations where eliminating full coverage is not advised. If you still have a lienholder on your title, you are required to maintain full coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not opt for liability only.

Discount San Jose insurance rates

Auto insurance for young women in San Jose, CAInsurance providers that provide policies for 20 year old women may also offer policy discounts that can reduce rates by 25% or more if you meet the requirements. Large auto insurance companies and some of their more popular discounts are:

The illustration below compares car insurance costs with and without discounts applied to the policy premium. The information is based on a male driver, no claims, a clean driving record, California state minimum liability limits, full coverage, and $500 deductibles.

The first bar for each age group shows the average rate with no discounts. The second shows the rates with continuous coverage, passive restraint, vehicle safety, paid-in-full, good student, and paperless filing discounts applied. When taking advantage of discounts, theaverage yearly reduction on auto insurance for 20 year old women is 19% or $525.

Which auto insurance company is best in California?

Choosing the highest-rated insurer is hard considering how many different companies there are to choose from in California. The rank data in the next section may help you analyze which insurers to look at comparing prices from. These ratings only include companies that write coverage in many states, so companies with more of a regional focus are not included in this list.

Best Ten Auto Insurance Companies for a 20 Year Old Female in California
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
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Data Source: Best Car Insurance Companies

The agencies below can help you decide which policy fits your needs best, as lots of drivers aren’t clear which coverage they need and would like to get some help when comparing insurance rates for 20 year old women. It’s not always easy to find the best coverage on your own, and a professional agent can give comfort knowing your coverage gives you decent coverage if you have a claim. To find a San Jose insurance agency nearest to you, click the link at the bottom or click here to compare rates now.

Filice Insurance Agency
738 N 1st StSan Jose, CA 95112(408) 350-5700

Allstate Insurance: Phuong Tran
510 N 1st St Ste 224San Jose, CA 95112(408) 993-9898

Care Insurance Agency Inc
900 N 1st St ESan Jose, CA 95112(408) 292-2925

More insurance agents in San Jose, CA