Who Has Affordable Car Insurance Rates for a 20 Year Old Female in Baltimore?

Finding reliable, cost effective insurance is not easy, and finding out which insurers offer the cheapest auto insurance rates for 20 year old women calls for even more rate comparisons.

Each auto insurer uses their own formula for determining rates in each state, so to begin we’ll rank the auto insurance companies with the overall cheapest rates in Maryland. Keep in mind that Baltimore auto insurance rates are impacted by many things which can significantly increase or decrease the cost of coverage. Improving your credit score, buying higher coverage limits, or getting a DUI may prompt premium changes that can make some companies higher when they were quite affordable.

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USAA offers some of the best car insurance rates in Baltimore at around $958 per year. Liberty Mutual, Erie, Penn National, and State Auto would also be considered some of the most economical Baltimore, MD auto insurance companies.

In the above example, if you have coverage with Penn National and switched to USAA, you could earn savings of in the neighborhood of $179. Maryland drivers with State Auto may save as much as $232 a year, and Amica insureds might reduce rates by $350 a year.

These estimates are averages across all insureds and vehicles and and are not calculated with an exact location for 20 year old women. So the auto insurance company that has the cheapest rates for you may not even be in the top 16 companies shown above. That affirms the importance of why you need to get rate quotes using your own driver data and vehicle information.

The vehicle model you are insuring is probably the most important factor that determines whether or not you can buy cheap coverage for 20 year old women. Vehicles with lots of horsepower, a lack of modern safety features, or an increased likelihood of liability claims will cost quite a bit more to insure than safer, lower-performance models. The information below illustrates coverage rates for a handful of the more affordable automobiles to buy coverage for.

Price data assumes single female driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Maryland minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium costs do not factor in specific zip code location which can influence coverage prices significantly.

Based upon these rates, you can infer that makes and models like the Ford Escape, Honda CR-V, Toyota Prius, and Honda Odyssey are likely to be a few of the most budget-friendly vehicles to insure for young women. Prices will tend to be higher just due to the fact that there is more risk for 20 year old women, but generally speaking those makes and models will most likely have the best insurance prices compared to all other vehicles.

For young women, one of the big components that are looked at to determine car insurance rates is where your car is garaged. Larger areas will most likely have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims can boast about having cheaper rates.

The next table sorts the most expensive areas in Maryland for 20 year old women to purchase car insurance in. Baltimore makes the list at #1 with an annual cost of $1,760 for car insurance, which is about $147 monthly.

Premium costs are approximated as zip code location can alter coverage rates noticeably.

How to find a good Maryland auto insurance company

Insuring your vehicle with the top car insurance provider can be a challenge considering how many companies are available to choose from in Maryland. The rank data listed below can help you analyze which coverage providers you want to consider when comparing rate quotes. The rankings below are only comprised of large, nationwide insurance companies, so smaller regional companies will not be included in this list.

Top 10 Large Auto Insurers in Baltimore Ranked by Customer Satisfaction

1. USAA – 91%
2. AAA Insurance – 90%
3. Esurance – 90%
4. Nationwide – 89%
5. Travelers – 88%
6. Progressive – 88%
7. Safeco Insurance – 88%
8. State Farm – 88%
9. Allstate – 88%
10. The Hartford – 87%

Top 10 Large Auto Insurers in Baltimore Ranked by Value

1. Travelers
2. American Family
3. AAA Insurance
4. Safeco Insurance
5. Progressive
6. The Hartford
7. The General
8. 21st Century
9. Esurance
10. Titan Insurance

Get discounts on Baltimore insurance

Insurance providers that offer quotes for 20 year old women may provide special discounts that can reduce rates by 40% or more if you are eligible for them. Large auto insurance companies and some of the premium reductions they offer are included below.

• Progressive discounts include continuous coverage, homeowner, online quote discount, multi-vehicle, and multi-policy.
• MetLife has discounts for accident-free, good driver, multi-policy, claim-free, and good student.
• Mercury Insurance policyholders can earn discounts including anti-theft, ease of repair, annual mileage, age of vehicle, good driver, and low natural disaster claims.
• Nationwide offers discounts for family plan, easy pay, accident-free, defensive driving, and good student.
• GEICO may include discounts for driver training, good student, daytime running lights, membership and employees, anti-theft, and multi-vehicle.
• AAA offers premium reductions for good driver, good student, multi-policy, anti-theft, multi-car, and AAA membership discount.

The diagram below illustrates the difference between car insurance rates with and without discounts applied. The data is based on a female driver, no tickets, no at-fault accidents, Maryland state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with vehicle safety, anti-theft, paperless filing, good student, continuous coverage, and paid-in-full discounts applied. When discounts are factored in, the average savings per year on auto insurance for 20 year old women is 21% or $387.

How to find budget-friendly auto insurance for 20 year old women

Here are many thrifty solutions that can help you get cheaper auto insurance.

• Higher physical damage deductibles lower rates
• Earn a discount by not filing claims
• Avoid accidents
• You will pay more if you get tickets or have at-fault accidents
• On older vehicles, drop full coverage
• Shop around once a year for cheaper rates

That last piece of advice is extraordinarily necessary, as we emphasized in the article above. Insurance rates in Baltimore can change considerably based on profitability, so don’t be tentative to switch to a new company if you can save money.

Sticking with a specific company is fine, but is isn’t recommended if that faithfulness ends up costing you money that could be spent on other things. If you have a few minutes, now is a great time to shop around and find cheaper auto insurance for 20 year old women.

If you have coverage questions and would like to have a professional recommendation when comparing insurance rates for young women, the agencies below can help you make a decision which car insurance company is the best fit.

To find an auto insurance agency using an interactive map, click the link after the list.

More Baltimore, MD insurance agents