How Much are Car Insurance Quotes for a 20 Year Old Female in Stockton?

The vehicle you are seeking coverage for is one of the biggest factors when quoting affordable auto insurance for 20 year old women. Vehicles with higher performance, a lack of safety features, or high incidents of liability claims will cost much more to insure than more economical and safe models.

The information below presents coverage rates for the cheaper automobiles to insure.

Cheapest Vehicles to Insure in Stockton, CA
Insured Vehicle Estimated Cost for Full Coverage
Honda Accord LX-P 4-Dr Sedan $2,407
Honda CR-V EX 4WD $2,443
Ford Escape Limited 4WD $2,597
Hyundai Elantra SE Touring Station Wagon $2,605
Toyota Prius $2,633
Chevrolet Equinox LT 2WD $2,856
Chevrolet Impala LT $2,864
Jeep Grand Cherokee Laredo 2WD $2,856
Toyota RAV4 Limited 2WD $2,865
Volkswagen Jetta S 4-Dr Sedan $2,856
Dodge Grand Caravan Crew $2,891
Ford Explorer Limited 2WD $2,901
Toyota Tacoma Double Cab TRD Sport Package 4WD $2,891
Ford F-150 Lariat Crew Cab 2WD $2,899
Dodge Ram 3500 Crew Cab Laramie 2WD $2,891
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Table data represents single female driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Table data does not factor in the specific area where the vehicle is garaged which can lower or raise coverage rates significantly.

Based upon the rates shown, we can presume that models like the Honda Accord, Honda CR-V, and Ford Escape are most likely going to be some of the more affordable vehicles to insure for young women. The cost of auto insurance will trend higher just due to the fact that there is more liability exposure for 20 year old women, but overall those vehicles will have the lowest prices that you are likely to find.

Figuring out which companies have the lowest-priced car insurance rates for 20 year old women may require more work in order to find the most economical policy.

Every car insurance company has a different process for determining rates in each state, so let’s rank the lowest cost car insurance companies in Stockton, CA. It’s important that you understand California car insurance rates are calculated based on many things that can increase the price of coverage. Getting older, having a teenage driver, or getting caught speeding can trigger price changes that can now make some companies more affordable than before.

Best Insurance Companies for Women Age 20

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California auto insurance company rankings
Rank Company Cost Per Year
1 USAA $1,155
2 Century National $1,178
3 Wawanesa $1,192
4 CSAA $1,234
5 Nationwide $1,250
6 21st Century $1,325
7 Grange $1,491
8 Allstate $1,497
9 Progressive $1,512
10 GEICO $1,513
11 Allied $1,541
12 Mercury $1,548
13 The Hartford $1,591
14 MetLife $1,654
15 Unitrin $1,682
16 Esurance $1,705
17 State Farm $1,750
18 Bristol West $1,831
19 Travelers $1,860
20 Farmers $2,006
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USAA normally has some of the best car insurance rates in Stockton at around $1,155 each year. Century National, Wawanesa, CSAA, and Nationwide are also some of the lowest-priced Stockton, CA auto insurance companies.

As depicted above, if you buy coverage from Nationwide and switched to Century National, you could realize a yearly price reduction of in the vicinity of $72. Policyholders with 21st Century could save as much as $147 a year, and Grange policyholders might reduce rates by $313 a year.

Be aware that those prices are averages across all drivers and vehicles and do not factor in a specific zip code for 20 year old women. So the insurer that is best for you may not even be in the list above. That emphasizes why you need to get quotes using your own personal information and vehicle type.

Tickets and at-fault accidents raise rates

The easiest method to get good car insurance prices in Stockton for young women is to drive safe and not receive tickets or have accidents. The information below shows how traffic citations and at-fault claims can affect car insurance rates for each different age category. The costs are based on a married male driver, comp and collision included, $500 deductibles, and no discounts are applied.

The data above shows the average cost of an auto insurance policy in California per year with no violations or accidents is $2,396. Factor in one speeding ticket and the average cost hikes up to $2,757, an increase of $361 each year. Next add two accidents along with the one speeding ticket and the 12-month cost of car insurance for 20 year old women increases to an average of $5,980. That’s an increase of $3,584, or $299 per month, just for being a little careless behind the wheel!

Finding the top insurer is difficult considering how many companies sell insurance in Stockton. The ranking information below could help you pick which insurers to look at when shopping your coverage around.

The rankings below are for large, nationwide insurance companies, so smaller companies are not factored into this list. If you wish to compare prices from these top-rated insurers and more, click this link.

Best Ten Car Insurance Companies for a 20 Year Old Female in Stockton
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
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Data Source: Best Car Insurance Companies

Should you buy full coverage?

Saving money on car insurance is probably important to the majority of drivers, and one common way to pay less for insurance for 20 year old women is to only buy liability coverage. The chart below shows the difference between premium costs with and without full coverage. The premiums are based on no accidents, no driving violations, $1,000 deductibles, drivers are not married, and no other discounts are factored in.

On average, full coverage costs $2,467 per year over and above liability only. That touches on the question when is it a good idea to stop buying full coverage. There is no exact formula to exclude physical damage coverage, but there is a guideline you can consider. If the yearly cost for physical damage coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

For example, let’s say your vehicle’s replacement value is $8,500 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $7,500 after you pay the deductible. If it’s costing in excess of $750 annually for your policy with full coverage, then it might be time to consider dropping full coverage.

There are some scenarios where removing full coverage is not in your best interest. If you still owe money on your vehicle, you have to keep full coverage as part of the loan requirements. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not drop full coverage.