You have most likely watched the commercials from companies like GEICO, Progressive, and The General claiming huge savings, so you should just pick one randomly, right?
It’s not that easy, however, as there are a whole bunch of unknown factors like your gender, your credit score, whether you are single or married, and the area where you live. We will attempt to cover the best ways to find cheap car insurance and hopefully give you enough understanding to have a good beginning to your quest for cheaper car insurance.
Shopping around for cost effective car insurance is not always easy, and determining which company quotes the most affordable auto insurance rates for 20 year old women requires more quotes for comparison. Each auto insurer has a proprietary method for determining rates, so we’ll go over the overall cheapest auto insurance companies in Plano.
Lowest Insurance Price Quotes for Women Age 20
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,052 |
| 2 | USAA | $1,095 |
| 3 | Texas Farm Bureau | $1,235 |
| 4 | Germania Mutual | $1,244 |
| 5 | Esurance | $1,379 |
| 6 | California Casualty | $1,382 |
| 7 | Mercury | $1,476 |
| 8 | State Farm | $1,495 |
| 9 | Nationwide | $1,538 |
| 10 | Safe Auto | $1,549 |
| 11 | Progressive | $1,664 |
| 12 | Allstate | $1,718 |
| 13 | Amica | $1,723 |
| 14 | GEICO | $2,072 |
| 15 | Home State | $2,092 |
| 16 | MetLife | $2,227 |
| 17 | Unitrin | $2,264 |
| 18 | Encompass | $2,301 |
| 19 | 21st Century | $2,421 |
| 20 | Titan | $2,672 |
| View More Rates Go | ||
Travelers generally has some of the lowest car insurance rates in Plano at around $1,052 per year. This is $852 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also some of the cheapest Plano, TX insurance companies.
As illustrated above, if you currently have coverage with Germania Mutual and switched to USAA, you could see a yearly price reduction of around $149. Insureds with Esurance might save as much as $284 a year, and California Casualty insureds might see rate reductions of $287 a year.
To find out how your current rates compare, click here to start your custom quote or quote prices from the following companies.
It’s important to note that these prices are averages across all insureds and vehicles and and are not figured with an exact vehicle garaging location for 20 year old women. So the insurer that has the cheapest rates for you may not even be in the list above. That points out the importance of why you need to get quotes using your own driver data and vehicle information.
For young women, one of the largest things that aid in calculating the amount you pay each year for auto insurance is where you choose to live in Plano. More densely populated places tend to pay slightly more, whereas more rural areas profit from lower rates.
The illustration below rates the most costly cities in Texas for 20 year old women in which to buy car insurance. Plano ranks #22 costing $1,608 on average, which is approximately $134 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | McAllen | $2,016 |
| 2 | Brownsville | $1,908 |
| 3 | Dallas | $1,893 |
| 4 | Laredo | $1,851 |
| 5 | Houston | $1,835 |
| 6 | Mesquite | $1,825 |
| 7 | Grand Prairie | $1,811 |
| 8 | Amarillo | $1,804 |
| 9 | Garland | $1,796 |
| 10 | Pasadena | $1,794 |
| 11 | Beaumont | $1,754 |
| 12 | Irving | $1,736 |
| 13 | Lubbock | $1,716 |
| 14 | San Antonio | $1,688 |
| 15 | Arlington | $1,658 |
| 16 | Fort Worth | $1,653 |
| 17 | Carrollton | $1,647 |
| 18 | Corpus Christi | $1,636 |
| 19 | El Paso | $1,632 |
| 20 | Austin | $1,627 |
| 21 | McKinney | $1,625 |
| 22 | Plano | $1,608 |
| 23 | Waco | $1,569 |
| 24 | Abilene | $1,545 |
| 25 | Killeen | $1,473 |
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Rates are estimated as the specific zip code location can decrease or increase auto insurance rates noticeably.
Choosing a high-quality insurance provider is hard considering how many companies sell insurance in Texas. The ranking data shown next may help you analyze which car insurance providers you want to consider when looking for cheaper rates.
The rankings below include insurance companies that insure vehicles in the majority of U.S. states, so companies that may only write in Texas are not factored into the list. To view rates and find the cheapest rates for 20 year old women, click this link.
Top 10 Major Auto Insurers in Plano Ranked by Claims Service
- Travelers
- Nationwide
- Allstate
- State Farm
- Liberty Mutual
- GEICO
- American Family
- Esurance
- Titan Insurance
- AAA Insurance
Top 10 Major Auto Insurers in Plano Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
Discounts on Plano auto insurance
Auto insurance companies that provide policies for 20 year old women may also offer policy discounts that may potentially lower prices by as much as 35% if you are eligible. A few of the larger companies and a summarized list of policyholder discounts can be found below.
- GEICO may have discounts that include seat belt use, membership and employees, multi-vehicle, good student, air bags, multi-policy, and driver training.
- Auto-Owners Insurance policyholders can earn discounts including multi-policy, paid in full, safe driver, anti-lock brakes, air bags, and paperless.
- American Family has discounts for defensive driver, Steer into Savings, TimeAway discount, early bird, and accident-free.
- Esurance may include discounts for defensive driver, online quote, paid-in-full, claim free, good student, anti-lock brakes, and multi-policy.
- Progressive offers premium reductions for homeowner, multi-vehicle, online signing, online quote discount, continuous coverage, and good student.
- State Farm includes discounts for safe vehicle, accident-free, passive restraint, driver’s education, good driver, anti-theft, and good student.
- AAA offers discounts for good student, education and occupation, multi-policy, good driver, pay-in-full, AAA membership discount, and anti-theft.
The diagram below shows the comparison of insurance costs with and without discounts. The prices are based on a male driver, no accidents, no driving violations, Texas state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with good student, vehicle safety, continuous coverage, anti-theft, paid-in-full, and paperless filing discounts applied. When drivers take advantage of discounts, theamount saved on auto insurance for 20 year old women is 19% or $415.
How to find economical insurance for 20 year old women
The list below details some thrifty ideas that can help drivers get cheaper coverage.
- Raise deductibles
- Good credit scores may lower your rates
- Multi-policy discounts save money
- Discounts for being claim-free can be substantial
- Get cheaper liability coverage by choosing a safer vehicle
- Don’t waste money on full coverage for older vehicles
- Comparison shop at least once a year
That last tip is notably valuable, as we emphasized in the prior information. Auto insurance prices in Plano vary considerably, so don’t be hesitant to switch to a new company if a more affordable price is available. Being loyal to a particular company is commendable, but it’s not a great idea if that faithfulness ends up costing you lots of hard earned cash every month. In less than five minutes you could compare rates to find cheaper auto insurance for 20 year old women.
If you like to have some professional guidance when shopping for cheaper insurance for 20 year old women, the agents shown below can answer your questions and help you decide which coverage meets your needs best. To find an agent in your neighborhood, click the button following the list.
Allstate Insurance: Brad Williamson
4670 McDermott Rd #206 – Plano, TX 75024 – (972) 867-2778
Joseph Jackson – State Farm Insurance Agent
7920 Preston Rd #300 – Plano, TX 75024 – (972) 690-9090
Nationwide Insurance: Nicholas Arthur Purvis Agency
5600 Tennyson Pkwy #243 – Plano, TX 75024 – (972) 665-9975