One of the more important components that aid in calculating insurance cost is where you normally keep your vehicle in Sacramento. Areas with more people or higher crime rates are more likely to have higher rates, whereas areas with less congestion get the luxury of paying less.
The next table shows the most costly cities in California for 20 year old women to buy car insurance in. Sacramento is ranked at #5 costing $1,703 for car insurance, which is approximately $142 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Los Angeles | $2,146 |
| 2 | Glendale | $2,142 |
| 3 | Oakland | $1,738 |
| 4 | San Francisco | $1,711 |
| 5 | Sacramento | $1,703 |
| 6 | San Bernardino | $1,644 |
| 7 | Long Beach | $1,626 |
| 8 | Stockton | $1,588 |
| 9 | Fontana | $1,581 |
| 10 | Garden Grove | $1,570 |
| 11 | Santa Clarita | $1,548 |
| 12 | Modesto | $1,547 |
| 13 | Fresno | $1,517 |
| 14 | Moreno Valley | $1,506 |
| 15 | Santa Ana | $1,497 |
| 16 | Riverside | $1,497 |
| 17 | Anaheim | $1,444 |
| 18 | San Jose | $1,395 |
| 19 | Bakersfield | $1,394 |
| 20 | Huntington Beach | $1,374 |
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Rates are approximated as specific Sacramento garaging address can modify rates significantly.
Finding reliable, cost effective auto insurance is not easy, and figuring out which company offers the cheapest auto insurance rates for 20 year old women calls for even more diligence. Every auto insurer has a different formula for establishing rates, so we’ll take a look at the auto insurance companies that tend to be cheaper in Sacramento, CA.
Best Auto Insurance Prices for Women Age 20
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,155 |
| 2 | Wawanesa | $1,181 |
| 3 | CSAA | $1,198 |
| 4 | Nationwide | $1,226 |
| 5 | Century National | $1,226 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,447 |
| 8 | GEICO | $1,513 |
| 9 | Allied | $1,541 |
| 10 | Mercury | $1,548 |
| 11 | Progressive | $1,558 |
| 12 | Allstate | $1,559 |
| 13 | The Hartford | $1,575 |
| 14 | MetLife | $1,638 |
| 15 | Esurance | $1,705 |
| 16 | Unitrin | $1,733 |
| 17 | State Farm | $1,750 |
| 18 | Bristol West | $1,795 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $2,026 |
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USAA has some of the most affordable car insurance rates in Sacramento at around $1,155 per year. Wawanesa, CSAA, Nationwide, and Century National are also some of the cheaper Sacramento, CA insurance companies.
In the above example, if you have coverage with Nationwide and switched to USAA, you could see an annual savings of around $71. Insureds with Century National could save as much as $71 a year, and 21st Century policyholders might lower prices by up to $170 a year.
If you would like to find cheaper car insurance rates, click here to get quotes or click through to the companies below.
Remember that these premium estimates are averaged across all ages of drivers and types of vehicles and do not take into consideration a specific zip code for 20 year old women. So the insurer that can offer the best rates for your situation may not even be in the top 24 companies shown above. That is why you need to quote rates from many companies using your own personalized driver profile and vehicle information.
Does it make sense to buy full coverage?
Reducing the cost of auto insurance is important to the majority of people, and one of the best ways to find cheaper insurance for 20 year old women is to buy only liability coverage. The example below illustrates the comparison of premium costs with liability coverage only compared to full coverage. The rates are based on no claims or driving citations, $1,000 deductibles, drivers are single, and no discounts are applied.
If we average all the age groups together, full coverage costs $2,467 per year more than carrying just liability coverage. That is a large expense and it proposes the question if it’s worth it to buy full coverage. There is no set guideline to stop paying for full coverage on your policy, but there is a general convention. If the yearly cost of full coverage is more than 10% of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.
Discount Sacramento auto insurance
Car insurance companies that provide policies for 20 year old women may have discounts that could reduce prices by as much as 30% if you can meet the requirements. A list of auto insurance companies and a summarized list of policyholder discounts are:
- State Farm has discounts for safe vehicle, good driver, Steer Clear safe driver discount, good student, student away at school, defensive driving training, and anti-theft.
- Farmers Insurance has savings for pay in full, mature driver, switch companies, youthful driver, early shopping, and homeowner.
- GEICO includes discounts for federal employee, seat belt use, defensive driver, membership and employees, multi-policy, air bags, and five-year accident-free.
- American Family offers discounts for TimeAway discount, Steer into Savings, multi-vehicle, air bags, bundled insurance, and good driver.
- Nationwide may offer discounts for family plan, Farm Bureau membership, business or organization, easy pay, accident-free, and defensive driving.
- Progressive offers discounts including homeowner, online signing, multi-policy, continuous coverage, good student, and online quote discount.
The illustration below shows the comparison of auto insurance rates with and without discounts applied to the policy premium. Data assumes a male driver, a clean driving record, no claims, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with good student, paid-in-full, continuous coverage, passive restraint, paperless filing, and anti-theft discounts applied. When discounts are factored in, theaverage yearly reduction on auto insurance for 20 year old women is 19% or $481.
Picking a good quality car insurance provider is hard considering how many different companies sell coverage in Sacramento. The company ratings shown below can help you decide which car insurance companies to look at when comparing insurance rates for 20 year old women. The ratings below include insurance companies that insure vehicles in the majority of U.S. states, so companies without a large exposure are not factored into these rankings.
Top 10 Major Car Insurance Companies in Sacramento Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Ideas for finding cheaper auto insurance for 20 year old women
Here are some penny-pinching suggestions that can help California drivers find cheaper car insurance.
- Keep your driving record clean
- Good credit scores may lower your rates
- Avoid price increases by not filing claims
- Remain accident-free and save
- Vehicles with good safety ratings are usually cheaper to insure
- Check for cheaper rates once a year
That final tip is particularly important, as was noted in the prior article. Car insurance rates can be changed at any time, so drivers shouldn’t be resistant to buy a policy from a new company if a cheaper rate is available.
Being loyal to a particular company is commendable, but it’s not recommended if that loyalty results in overpaying hundreds of dollars a year. Now is a great time to shop around and find cheaper auto insurance for 20 year old women in Sacramento.
If you have questions and prefer to get some help when shopping for cheaper insurance for young women, the agencies below are willing to help you decide which coverages are best.
To locate a Sacramento auto insurance agent close to where you live, click the button after the list or click here to get price quotes now.
- Travis Beyer – State Farm Insurance Agent
2455 Jefferson Blvd #115 – West Sacramento, CA 95691 – (916) 375-0144 - McGee and Thielen Insurance Brokers
3840 Rosin Ct #245 – Sacramento, CA 95834 – (800) 901-9636 - Yeh Ferguson – State Farm Insurance Agent
7273 14th Ave Ste 100 – Sacramento, CA 95820 – (916) 455-5000 - Cliff Cottam Insurance Services
1111 Howe Ave #535 – Sacramento, CA 95825 – (800) 807-6871