How Much is Car Insurance for a 20 Year Old Female in Fort Worth?

For young women, one of the largest components that aid in calculating the price you pay for insurance is where you live. More densely populated places tend to pay more, whereas less populated areas benefit from lower prices.

The table below lists the most expensive areas in Texas for 20 year old women to buy an auto insurance policy in. Fort Worth is listed at #15 with an annual cost of $1,653 for the average policyholder, which is approximately $138 monthly.

How much is auto insurance in Fort Worth, TX?
Rank City Annual Premium
1 McAllen $2,016
2 Brownsville $1,927
3 Laredo $1,889
4 Amarillo $1,840
5 Dallas $1,837
6 Houston $1,835
7 Garland $1,832
8 Grand Prairie $1,811
9 Mesquite $1,807
10 Irving $1,789
11 Pasadena $1,758
12 San Antonio $1,739
13 Lubbock $1,716
14 Beaumont $1,702
15 Fort Worth $1,653
16 Arlington $1,642
17 McKinney $1,625
18 Austin $1,610
19 Carrollton $1,598
20 Waco $1,584
21 Plano $1,576
22 Corpus Christi $1,572
23 El Paso $1,568
24 Abilene $1,545
25 Killeen $1,533
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Information shown are comparative as the specific zip code location can increase or decrease insurance rates greatly.

Finding decent, reasonably-priced insurance is not the easiest thing to do, and deciding which companies have the cheapest insurance rates for 20 year old women will take even more perseverance. Every auto insurer has their own process for establishing rates, so we’ll take a look at the most competitive insurance companies in Fort Worth, TX.

It’s important that readers know that Fort Worth insurance rates are influenced by many factors which can substantially change the cost of your policy. This is why consumers need to compare many different companies to find the most affordable auto insurance rates for 20 year old women. Auto insurance prices are determined by many risk factors and change substantially, so the lowest-price company three years ago may now not even be in the top five.

Best Cheap Insurance Rates for Women Age 20

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Travelers offers some of the cheapest car insurance rates in Fort Worth at around $1,052 a year. This is $852 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty also are some of the most economical Fort Worth, TX auto insurance companies.

As shown above, if you currently have coverage with Germania Mutual and switched to USAA, you might achieve yearly savings of roughly $172. Drivers with California Casualty might save as much as $312 a year, and Esurance insureds might see rate reductions of $323 a year.

If you want to find out if you’re overpaying, click here to start your custom quote or quote prices from the following companies.

Remember that these estimates are averaged across all drivers and vehicles and and are not figured with a specific zip code for 20 year old women. So the auto insurance company that can offer you the best price may not even be in the top 23 companies in the list above. That emphasizes why you need to quote rates from many companies using your own driver information and specific vehicle type.

The make and model of vehicle you are buying coverage for is one of the largest factors that determines whether or not you find the most affordable insurance for 20 year old women. Vehicles with high performance engines, a lack of modern safety features, or an increased likelihood of liability claims will cost substantially more to insure than safer, lower-performance models. The data below showcases auto insurance prices for a selection of the cheapest vehicles to buy insurance for.

Cheapest Vehicles to Insure in Fort Worth, TX
Make, Model, and Trim Level Estimated Cost for Full Coverage
Ford Escape XLT 2WD $2,071
Honda CR-V EX-L 4WD $2,102
Jeep Wrangler Sport 4WD 2-Dr $2,159
Honda Accord EX-L 4-Dr Sedan $2,234
Toyota Prius $2,265
Ford Explorer XLT AWD $2,322
Toyota Tacoma 4WD $2,331
Ford F-150 XLT Crew Cab 2WD $2,322
Chevrolet Impala LT $2,454
Toyota RAV4 Limited 4WD $2,462
Chevrolet Malibu LS $2,454
Jeep Grand Cherokee Laredo 4WD $2,460
Dodge Grand Caravan Crew $2,485
Hyundai Elantra SE 4-Dr Sedan $2,586
Nissan Altima 2.5 S 4-Dr Sedan $2,595
Ford Edge Sport 2WD $2,586
Toyota Camry XLE $2,592
Honda Odyssey EX-L W/Navigation $2,586
GMC Sierra SL Crew Cab 2WD $2,617
Toyota Corolla XRS $2,622
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Table data assumes single female driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, and safe-driver. Table data does not factor in vehicle location which can lower or raise rates considerably.

Looking at the numbers, you can presume that makes and models like the Ford Escape, Honda CR-V, Jeep Wrangler, Honda Accord, and Toyota Prius are most likely going to be a few of the cheaper vehicles to insure for young women. The price of auto insurance will be more costly because there is more liability exposure for 20 year old women, but in general those models will tend to have the least expensive rates possible.

The illustration below shows how different deductible levels can impact insurance prices when searching for cheap insurance for 20 year old women. The costs are based on a single male driver, comprehensive and collision coverage, and no discounts are applied.

The chart above illustrates that a 40-year-old driver could reduce rates by $314 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $472 by switching to a $1,000 deductible. Even younger drivers, like the Age 20 chart data, could drop their prices up to $1,026 every year just by choosing higher deductibles when buying full coverage. When using a larger deductible, it will be necessary to have plenty of savings on hand to enable you to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Types of discounts on Fort Worth insurance

Save on insurance for young women in Fort WorthInsurance providers that offer cheap quotes for 20 year old women may also give you rate discounts that could reduce prices by 40% or more if you qualify for them. A few of the larger companies and the discounts they provide are shown below.

The information below compares auto insurance rates with and without some available policy discounts. The premium estimates are based on a male driver, a clean driving record, no claims, Texas state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with passive restraint, paperless filing, anti-theft, continuous coverage, vehicle safety, and good student discounts applied. When discounts are applied, the average amount saved each year on insurance for 20 year old women is 19% or $499.

Choosing a highly-rated auto insurance provider is difficult considering how many companies are available to choose from in Texas. The information displayed below can help you analyze which auto insurers to look at when trying to find cheaper insurance for 20 year old women. The ratings below only include companies who write in the majority of U.S. states, so smaller regional companies are not factored into this list.

Top 15 Insurance Companies for a 20 Year Old Female in Texas
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
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Data Source: Best Car Insurance Companies

Low rates today, overpriced tomorrow

Texas insurance rates are based on many factors that will increase or decrease the price you pay. Improving your credit rating, marrying your spouse, or getting a ticket for running a stop sign may cause policy rate changes that can make some companies cheaper than others.

Additionally, companies amend pricing at least once a year in order to remain profitable. Larger than normal claims may cause more expensive premiums, while a profitable period can produce cheaper Fort Worth car insurance rates.

To illustrate this example, the data below compares the cheapest car insurance in Fort Worth, TX for a 35-year-old male driver with a good driving record, no prior claims, and a good credit rating. If we estimate prices based on his current risk factors, Travelers has the best car insurance rates in Fort Worth at $1,157 each year. This is $747 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are the remainder of the best Fort Worth, TX auto insurance companies.

The chart below compares rates after we give the driver from the first set of rates a chargeable accident, less-than-perfect credit, and a couple of points charged on his driving record. Since each auto insurance company has a proprietary method to determine rates, comparing insurance quotes may now show a different ranking of the cheapest companies as shown below.

State Farm now has the cheapest price in Fort Worth with Mercury, Nationwide, USAA, and Safe Auto completing the list. This example illustrates why consumers need to take the time to compare rates when trying to get the lowest car insurance quotes for 20 year old women. Prices are calculated by many different factors and can increase or decrease at any time, so the most affordable company six months ago may now be an over-priced policy.