Who Has the Cheapest Auto Insurance Rates for a 20 Year Old Female in Seattle?

The words “economical” and “insurance” really shouldn’t be used in the same sentence, specifically when trying to find the best price on coverage for 20 year old women. Because it’s so expensive, let’s get started by showing you some situations that have an impact on car insurance rates, and find out if we can help you lower the price of your next policy.

Establishing which companies offer the best auto insurance rates for 20 year old women takes a little more effort in order to find the best policy. Each company has their own guidelines to set policy rates, so we’ll go over the auto insurance companies with the overall best prices in Seattle, WA.

Cheap Insurance Rates for Women Age 20

Click to Compare Rates Now

Cheapest auto insurance in Washington ranked by cost per year
Rank Company Cost Per Year
1 Capital $761
2 Grange $838
3 Nationwide $961
4 PEMCO $974
5 Travelers $1,038
6 The Hartford $1,048
7 Mutual Enumclaw $1,054
8 Chubb $1,083
9 USAA $1,092
10 California Casualty $1,116
11 State Farm $1,130
12 Allied $1,142
13 Safeco $1,180
14 Amica $1,206
15 American Family $1,208
16 Liberty Mutual $1,270
17 Farmers $1,369
18 Progressive $1,480
19 National General $1,525
20 GEICO $1,656
Find Your Rate Go

Capital generally has some of the most affordable car insurance rates in Seattle at around $761 each year. This is $651 less than the average policy premium paid by Washington drivers of $1,412. Grange, Nationwide, PEMCO, and Travelers are also some of the cheapest Seattle, WA car insurance companies.

As the rates illustrate above, if you have coverage with PEMCO and switched to Capital, you may realize an annual premium reduction of around $213. Customers with Travelers may save as much as $277 a year, and The Hartford customers might see rate reductions of $287 a year.

If you want to see how much you could save, click here to get quotes or quote prices from the following companies.

Remember that these premiums are averages for all insureds and vehicles and are not factoring in a vehicle location for 20 year old women. So the auto insurance company that fits you best may not even be in the list above. That affirms the importance of why you need to get rate quotes from many companies using your own driver information and specific vehicle type.

The make and model of vehicle to be insured is a large factor when comparing quotes for the cheapest insurance for 20 year old women. Vehicles with more horsepower, poor safety ratings, or high incidents of liability claims will cost more to insure than safer, lower-performance models.

The information below presents car insurance premiums for a selection of the cheapest automobiles to buy coverage for.

Cheapest Vehicles to Insure in Seattle, WA
Make and Model Estimated Cost for Full Coverage
Hyundai Elantra GLS Touring Station Wagon $3,394
Honda CR-V LX 2WD $3,404
Ford Escape XLS 2WD $3,394
Toyota Prius $3,712
Jeep Wrangler Sport Islander Package 4WD 2-Dr $3,757
Dodge Grand Caravan SE $3,808
Ford F-150 FX2 Super Cab 2WD $3,813
Ford Focus S 4-Dr Sedan $3,974
Chevrolet Equinox LT AWD $4,025
Chevrolet Silverado LS Extended Cab 4WD $4,031
Ford Fusion S 4-Dr Sedan $4,025
Chevrolet Malibu LS $4,032
Chevrolet Impala LT $4,025
Toyota RAV4 4WD $4,031
Toyota Tacoma Double Cab TRD Sport Package 4WD $4,076
Ford Explorer Limited 4WD $4,081
Honda Civic LX-S 4-Dr Sedan $4,191
Toyota Corolla S $4,242
Toyota Camry XLE $4,251
Honda Odyssey EX-L W/Navigation $4,242
Compare Cheap Rates Go

Data based on single female driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, and claim-free. Prices do not factor in vehicle location which can modify auto insurance rates significantly.

Based upon the table data, we can tell that cars like the Hyundai Elantra, Honda CR-V, Ford Escape, Toyota Prius, and Jeep Wrangler will be a few of the cheapest vehicles to insure for young women. Car insurance rates will be more costly just because there is more claim risk for 20 year old women, but generally speaking those vehicles will tend to have the cheapest auto insurance rates compared to all other vehicles.

One of the more important criteria that are looked at to help calculate the price you pay for insurance is where you choose to live. More densely populated places likely pay more, whereas areas that tend to be more rural have the enjoyment of a little cheaper coverage.

The table below sorts the highest-priced areas in Washington for 20 year old women to purchase car insurance in. Seattle ranks #2 with the annual price of $1,405 for coverage, which is around $117 per month.

How much does car insurance cost in Seattle, WA?
Rank City Premium Per Year
1 Lakewood $1,434
2 Seattle $1,405
3 Tacoma $1,399
4 Federal Way $1,393
5 Renton $1,389
6 Auburn $1,380
7 Shoreline $1,352
8 Kent $1,350
9 South Hill $1,300
10 Everett $1,288
11 Redmond $1,251
12 Marysville $1,245
13 Bellevue $1,243
14 Sammamish $1,196
15 Kirkland $1,195
16 Vancouver $1,181
17 Lacey $1,111
18 Olympia $1,072
19 Spokane $1,071
20 Spokane Valley $1,054
Compare Rates Now Go

Price information shown is comparative as specific Seattle garaging address can change premiums substantially.

The example below illustrates how your choice of deductibles can change yearly insurance costs when quoting cheap insurance for 20 year old women. The costs are based on a single female driver, full coverage, and no other discounts are factored in.

The chart above illustrates that a 50-year-old driver could save $234 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $354 by choosing a $1,000 deductible. Even younger drivers, such as the 20-year-old example, could reduce their rates $592 or even more just by choosing higher deductibles when buying full coverage.

If you do make the decision to raise your deductibles, it is necessary to have enough savings to enable you to cover the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Cost difference between full coverage and liability

Saving money when shopping for auto insurance is important to most vehicle owners, and one of the fastest ways to buy cheaper insurance for 20 year old women is to not buy full coverage. The chart below compares insurance rates when comparing full coverage to liability only. The costs are based on no claims or driving violations, $250 deductibles, drivers are not married, and no discounts are applied.

If all age groups are averaged, comprehensive and collision coverage on your policy costs $1,553 per year over liability only. That is a large expense and it proposes the question if physical damage coverage is worth the money. There is no clear-cut formula to eliminate full coverage on your policy, but there is a guideline you can use. If the yearly cost of full coverage is more than about 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.

For example, let’s pretend your vehicle’s settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $5,000 after the policy deductible has been paid. If it’s costing you more than $500 a year to have full coverage, then it’s probably a good time to buy liability coverage only.

There are a few situations where removing full coverage is not financially feasible. If you still owe money on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should maintain full coverage.

Drive responsibly or pay higher rates

The best way to get good auto insurance premiums in Seattle for young women is to pay attention while driving and avoid tickets and accidents. The example below highlights how speeding tickets and accidents can impact auto insurance costs for different ages of insureds. The rates are based on a single female driver, comp and collision included, $250 deductibles, and no policy discounts are applied.

In the prior example, the average cost of an auto insurance policy in Washington per year with no violations or accidents is $1,627. Get written up for two speeding tickets and the average cost rises to $2,187, an increase of $560 each year. Now throw in one accident along with the two speeding tickets and the annual cost of auto insurance for 20 year old women goes up to an average of $2,747. That’s an increase of $1,120, or $93 per month, just for being a less-than-perfect driver!

How to find the cheapest car insurance for 20 year old women

Here are a few penny-pinching solutions that can help Washington drivers locate cheap coverage.

That final tip is particularly necessary, as was affirmed in the prior article. Coverage rates in Seattle adjust often, so don’t be unwilling to change insurance companies if you find a better deal. Having a favorite company is great, but it isn’t a good idea if that dedication is costing a considerable chunk of change every month. Take a few minutes and shop around and find cheaper insurance for 20 year old women.