The words “affordable” and “insurance” really shouldn’t be used together, specifically when shopping around for the best car insurance for 20 year old women. Because it’s so expensive, let’s lead off by showing you some things that determine insurance rates, and see how we can help you reduce the cost of the next policy you buy.
One of the many factors that are looked at to help calculate the price you pay for insurance is where your car is garaged in Philadelphia. Areas with more people or higher crime rates tend to pay more, whereas areas with less congestion benefit from having to pay less for coverage.
The illustration below sorts the highest-priced areas in Pennsylvania for 20 year old women in which to purchase auto insurance. Philadelphia is listed at #1 having an annual price of $1,997 for the average policy, which is approximately $166 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Philadelphia | $1,997 |
| 2 | Drexel Hill | $1,504 |
| 3 | Chester | $1,421 |
| 4 | Levittown | $1,365 |
| 5 | Norristown | $1,320 |
| 6 | Allentown | $1,108 |
| 7 | Wilkes-Barre | $1,089 |
| 8 | Bethlehem | $1,087 |
| 9 | Pittsburgh | $1,085 |
| 10 | Erie | $1,082 |
| 11 | Easton | $1,069 |
| 12 | Reading | $1,066 |
| 13 | Municipality of Monr | $1,059 |
| 14 | Hazleton | $1,056 |
| 15 | Plum | $1,047 |
| 16 | New Castle | $1,046 |
| 17 | Scranton | $1,039 |
| 18 | Altoona | $1,032 |
| 19 | Williamsport | $996 |
| 20 | Lancaster | $995 |
| 21 | Harrisburg | $995 |
| 22 | Bethel Park | $979 |
| 23 | York | $926 |
| 24 | Lebanon | $922 |
| 25 | State College | $869 |
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Information shown are estimated as the specific Philadelphia residence address can alter auto insurance rates greatly.
Determining which companies offer the best auto insurance rates for 20 year old women will involve a little more work in order to find the most economical policy. Each insurer has a unique formula for determining rates, so let’s look at the rankings for the most budget-friendly auto insurance companies in Philadelphia, PA.
It’s a good idea to be aware that Pennsylvania auto insurance rates are influenced by many factors which can significantly increase or decrease the cost of coverage. Getting older, buying a home instead of renting, or having a fender bender may prompt premium changes resulting in some companies being cheaper than competitors.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | General Casualty | $718 |
| 2 | Travelers | $779 |
| 3 | USAA | $809 |
| 4 | Penn National | $816 |
| 5 | Erie | $824 |
| 6 | Auto-Owners | $973 |
| 7 | Atlantic States | $1,005 |
| 8 | Amica | $1,012 |
| 9 | Donegal Mutual | $1,058 |
| 10 | GEICO | $1,145 |
| 11 | Allied | $1,155 |
| 12 | State Farm | $1,198 |
| 13 | California Casualty | $1,222 |
| 14 | State Auto | $1,267 |
| 15 | Encompass | $1,398 |
| 16 | Harleysville | $1,410 |
| 17 | Mutual Benefit Group | $1,411 |
| 18 | Progressive | $1,457 |
| 19 | Nationwide | $1,491 |
| 20 | Chubb | $1,551 |
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General Casualty may offer some of the most affordable car insurance rates in Philadelphia at around $718 a year. Travelers, USAA, Penn National, and Erie also rank well as some of the best Philadelphia, PA insurance companies.
As illustrated above, if you are insured with Penn National and switched to General Casualty, you could earn a yearly savings of in the vicinity of $98. Customers with Erie might save as much as $106 a year, and Auto-Owners insureds might realize rate reductions of up to $255 a year.
To find the cheapest coverage for you, click here to begin a quote or visit several of the following companies.
It’s important to note that these estimates are averaged across all insureds and vehicles and and are not figured with a vehicle location for 20 year old women. So the company that fits your situation best may not even be in the top 30 companies in the list above. That illustrates why you need to compare rates from multiple companies using your own driver information and specific vehicle type.
The type of vehicle requiring insurance is one of the largest considerations when consumers are trying to find cheaper coverage for 20 year old women. Vehicles with economical engines, excellent safety ratings, or a positive history of liability claims will cost significantly less to insure than fast, unsafe models. The list below ranks coverage costs for a number of the most affordable automobiles to buy insurance for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $8,841 |
| Honda CR-V LX 2WD | $8,847 |
| Ford Escape Limited 4WD | $9,541 |
| Toyota Prius | $9,673 |
| Ford F-150 XL Super Cab 2WD | $9,787 |
| Ford Edge SE 2WD | $9,797 |
| Jeep Wrangler Sahara 4WD 2-Dr | $9,919 |
| Dodge Grand Caravan SE | $9,929 |
| Volkswagen Jetta SE 2.5 Station Wagon | $10,242 |
| Honda Odyssey EX W/Rear Entertainment | $10,356 |
| Toyota RAV4 Limited 2WD | $10,488 |
| Jeep Grand Cherokee Laredo 4WD | $10,498 |
| Ford Explorer Limited 4WD | $10,620 |
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Prices based on single female driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium amounts do not factor in the specific area where the vehicle is garaged which can decrease or increase prices greatly.
Based upon these rates, models like the Hyundai Elantra, Honda CR-V, Ford Escape, and Toyota Prius are most likely going to be a few of the more affordable vehicles to insure for young women. The cost of auto insurance will tend to be more expensive because there is more exposure for 20 year old women, but in general those particular models will tend to have the best insurance prices compared to other types of vehicles.
Ending up with a highly-rated insurance company is difficult considering how many different companies sell coverage in Pennsylvania. The information shown next can help you select which car insurance providers to look at when comparing rates.
These ratings are only comprised of large insurance companies, so companies that focus mainly on Pennsylvania business will not be included in this list. To check rates from these and other top-rated companies, just click here.
Top 10 Major Car Insurance Companies in Philadelphia Ranked by Customer Service
- Titan Insurance
- The Hartford
- American Family
- Progressive
- USAA
- Travelers
- State Farm
- GEICO
- Erie Insurance
- Allstate
Top 10 Major Car Insurance Companies in Philadelphia Ranked by A.M. Best Rating
- USAA – A++
- GEICO – A++
- Travelers – A++
- State Farm – A++
- Allstate – A+
- Nationwide – A+
- Esurance – A+
- Erie Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Safe drivers pay cheaper rates
In a perfect world, the best way to find cheap auto insurance rates in Pennsylvania for young women is to be a careful driver and avoid traffic citations and accidents. The diagram below shows how speeding tickets and accidents influence insurance prices for different age groups. The data assumes a single female driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.
In the chart above, the average cost of a car insurance policy per year with no accidents or violations is $1,971. Factor in one speeding ticket and the average cost surges to $2,237, an increase of $266 each year. Now throw in two accidents along with the one speeding ticket and the annual cost of auto insurance for 20 year old women increases to an average of $4,631. That’s an increase of $2,660, or $222 per month, just for not driving carefully!
What aren’t you shopping around?
Pennsylvania auto insurance rates are based on many factors that can increase the price you have to pay. Simply turning a year older, getting married, or getting a ticket for running a stop sign may cause policy rate changes that can cause some rates to be more affordable than others. Not only may your risk profile change, but insurers amend premium rates as needed to ensure their profitability. Larger than normal claims can result in price increases, while lower claim levels may cause lower-priced Philadelphia car insurance rates.
For example, the graph below shows a variety of companies that have the cheapest car insurance in Philadelphia, PA for a 40-year-old female driver with no accidents or violations, and excellent credit. When quoting prices based on her current risk factors, General Casualty has the best car insurance rates in Philadelphia at $1,634 per year. This is $23 less than the average premium paid by Pennsylvania drivers of $1,657. Travelers, USAA, Erie, and Penn National are the rest of the best Philadelphia, PA auto insurance companies.
Now we will pretend the driver in the first chart a chargeable claim, a lower credit rating, and a traffic ticket or two. Because each insurer has a different process for establishing rates, comparing insurance quotes may now present a completely different list of the cheapest companies as shown below.
Auto-Owners now has the cheapest rate in Philadelphia, PA with Atlantic States, Donegal Mutual, Travelers, and USAA also having competitive pricing. This shows why Philadelphia drivers need to do a thorough rate comparison to get affordable auto insurance quotes for 20 year old women.
Insurance prices are impacted by many risk factors and can decrease or increase without notice, so the most affordable company two years ago may now be quite expensive.