For young women, one of the largest things that help determine the annual cost of car insurance is where you live. Cities with more crime and/or more people will most likely have higher rates, whereas more rural areas tend to receive cheaper rates.
The illustration below lists the highest-priced places in Florida for 20 year old women in which to purchase auto insurance. Tampa comes in at #5 with an annual cost of $2,636 on average, which is about $220 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Hialeah | $3,523 |
| 2 | Miami | $3,177 |
| 3 | Miami Gardens | $3,149 |
| 4 | Miami Beach | $3,043 |
| 5 | Tampa | $2,636 |
| 6 | West Palm Beach | $2,625 |
| 7 | Pompano Beach | $2,620 |
| 8 | Miramar | $2,603 |
| 9 | Fort Lauderdale | $2,576 |
| 10 | Coral Springs | $2,574 |
| 11 | Hollywood | $2,552 |
| 12 | Davie | $2,473 |
| 13 | Pembroke Pines | $2,407 |
| 14 | Brandon | $2,392 |
| 15 | St. Petersburg | $2,263 |
| 16 | Clearwater | $2,238 |
| 17 | Spring Hill | $2,123 |
| 18 | Orlando | $2,008 |
| 19 | Jacksonville | $1,980 |
| 20 | Port St. Lucie | $1,975 |
| 21 | Lakeland | $1,901 |
| 22 | Cape Coral | $1,898 |
| 23 | Palm Bay | $1,803 |
| 24 | Tallahassee | $1,801 |
| 25 | Gainesville | $1,630 |
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Price information shown is comparative as the specific area where the vehicle is garaged can decrease or increase premium rates greatly.
Finding out which companies have the most affordable car insurance rates for 20 year old women calls for a little more work in order to find the best price. Every insurance company used slightly different criteria to set premium rates, so we will examine the most affordable car insurance companies in Florida.
It’s important to know that Tampa car insurance rates are impacted by many factors which can substantially decrease or increase the cost of having a policy. Simply having a birthday, increasing liability limits, or getting caught speeding can produce rate changes resulting in some companies being more affordable than others.
Find Cheaper Car Insurance for Women Age 20
USAA generally has some of the cheapest car insurance rates in Tampa at around $948 per year. Electric, Amica, Progressive, and Allied also make the cut as some of the best Tampa, FL insurance companies.
As the example above demonstrates, if you are a customer of Electric and switched to USAA, you might achieve annual savings of around $816. Insureds with Amica might save as much as $816 a year, and Progressive policyholders might realize rate reductions of up to $899 a year.
Be aware that those policy prices are averages for all ages of drivers and types of vehicles and are not factoring in a vehicle location for 20 year old women. So the insurer that can offer the best rates for your situation may not even be in the top 21 companies in the list above. That point stresses why you need to compare rates from as many companies as possible using your own specific driver information and vehicle.
The make and model of vehicle driven is one of the largest considerations that determines whether or not you can buy the most affordable coverage for 20 year old women. Vehicles with high performance features, poor safety ratings, or a track record of large liability claims will cost substantially more to insure than more economical and safe models.
The table below presents coverage prices for a number of the most budget-friendly vehicles to buy insurance for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $4,040 |
| Ford Escape XLS 2WD | $4,050 |
| Honda CR-V EX-L 2WD | $4,101 |
| Ford F-150 XL Regular Cab 2WD | $4,215 |
| Honda Accord EX-L 4-Dr Sedan | $4,363 |
| Toyota Prius | $4,421 |
| Honda Odyssey LX | $4,473 |
| Ford Explorer XLT AWD | $4,535 |
| Volkswagen Jetta SE 2.5 Station Wagon | $4,679 |
| Chevrolet Impala LS | $4,735 |
| Ford Focus SE 4-Dr Sedan | $4,743 |
| Ford Edge Limited 2WD | $4,735 |
| GMC Sierra SLE Regular Cab 2WD | $4,796 |
| Toyota Camry LE | $4,803 |
| Dodge Grand Caravan Hero | $4,796 |
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Price data assumes single female driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate quotes do not factor in your specific Tampa, FL location which can increase or decrease auto insurance rates substantially.
Based upon the table data, you can conclude that cars like the Hyundai Elantra, Ford Escape, and Honda CR-V should be the cheapest vehicles to insure for young women. Prices will trend higher because there is more liability risk for 20 year old women, but in general those particular vehicles will have the cheapest auto insurance rates that you’ll find.
How much more does full coverage cost in Tampa?
Paying less for car insurance is probably important to the majority of vehicle owners, and an effective way to buy cheap insurance for 20 year old women is to not insure for full coverage. The chart below visualizes the comparison of insurance costs with and without full coverage. Data assumes no violations or claims, $500 deductibles, drivers are not married, and no additional discounts are factored in.
Averaged out for all age groups, physical damage insurance costs $1,961 per year more than buying just liability insurance. At some point, about every driver wonders if buying full coverage is a good investment. There is no definitive formula to stop buying physical damage coverage, but there is a general guideline. If the annual cost of having full coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.
Florida car insurance companies ranked
Picking the highest-rated insurer can be challenging considering how many companies provide coverage in Tampa. The information shown below can help you pick which car insurance companies to look at comparing rates from. The rankings below only include large, nationwide insurance companies, so companies with more of a regional focus are not factored into this list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
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Data Source: Insure.com Best Car Insurance Companies
Why are you paying too much for Tampa car insurance?
Florida car insurance rates are calculated based on many things which can significantly increase or decrease the price you have to pay for coverage. Turning one year older, adding a teenager to your policy, or getting a ticket for running a stop sign may generate price changes that may make certain companies cheaper than others.
And not only may your rating factors change, but car insurance companies modify pricing every year or even multiple times each year in order to protect their financial rating. Higher than normal claims may result in higher rates, while less frequent claims may result in cheaper Tampa car insurance rates.
For instance, the data below shows which company has the cheapest car insurance in Tampa, FL for a 35-year-old male driver with no prior claims, no tickets, and good credit. If we estimate prices based on his current situation, USAA offers the lowest car insurance rates in Tampa at $1,517 per year. This is $931 less than the average rate paid by Florida drivers of $2,448. Amica, Electric, Progressive, and Mercury are also on the list of the cheapest Tampa, FL auto insurance companies.
The next chart shows rates after we give the driver from above a chargeable claim, a little lower credit rating, and a stop sign violation. Due to the fact that each insurance company has their own unique process for determining prices, comparing rates may now show a different ranking of the cheapest Tampa car insurance companies as shown below.
USAA now has the lowest price on auto insurance in Tampa, FL with Travelers, State Farm, Esurance, and Auto-Owners now being in the top five. This example illustrates why it is so important to perform a complete rate comparison when trying to get the most affordable car insurance rates for 20 year old women.
Car insurance prices are determined by many risk factors and change dramatically, so the cheapest option the last time you checked may now be quite expensive.
How to find cheaper auto insurance for 20 year old women
Lowering your rates is not difficult, and here are many thrifty ideas that can help Florida drivers quote lower-cost auto insurance.
- Do not get into accidents
- Tickets and violations raise rates
- Increase deductibles to save money
- Higher credit scores may earn you cheaper rates
- Safer vehicles cost less to insure
- Comparison shop at least every other year
That last piece of advice is notably critical, as we pointed out in this article. Insurance rates can be modified anytime, so don’t be tentative to switch to a new company if a more affordable rate is found. Brand loyalty is not necessarily bad, but it’s not recommended if that dedication is costing a wad of cash every year. Spend a few minutes and shop around and find cheaper insurance for 20 year old women in Tampa.