How Much is Cincinnati Auto Insurance for a 20 Year Old Female?

The make and model of vehicle that is being insured is probably the biggest factor that determines whether or not you find the cheapest coverage for 20 year old women. Vehicles with average performance, good crash test ratings, or a positive history of liability claims will cost significantly less to insure than high performance models.

The next table showcases auto insurance costs for a number of the cheapest automobiles to buy insurance for.

Cheapest Vehicles to Insure in Cincinnati, OH
Vehicle Make and Model Estimated Cost for Full Coverage
Honda Accord LX 4-Dr Sedan $2,633
Hyundai Elantra GLS Touring Station Wagon $2,639
Honda CR-V EX-L 2WD $2,673
Ford Escape Limited 4WD $2,842
Toyota Prius $2,879
Toyota Tacoma 4WD $2,951
Dodge Grand Caravan SE $2,958
Volkswagen Jetta SE 2.5 Station Wagon $3,048
Ford Focus S 4-Dr Sedan $3,080
Toyota RAV4 Limited 4WD $3,120
Nissan Altima 2.5 4-Dr Sedan $3,129
Jeep Grand Cherokee Laredo 4WD $3,120
Chevrolet Equinox LT 2WD $3,127
Ford F-150 SVT Raptor Super Cab 4WD $3,157
Ford Explorer Limited 4WD $3,162
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Prices above based on single female driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, and safe-driver. Information does not factor in specific Cincinnati, OH garaging location which can alter coverage prices considerably.

Based upon the rates shown, you can presume that cars like the Honda Accord, Hyundai Elantra, Honda CR-V, Ford Escape, and Toyota Prius will be the cheaper vehicles to insure for young women. Car insurance rates will tend to be more expensive because there is more risk for 20 year old women, but generally speaking those vehicles will have the lowest prices compared to other vehicles.

Finding dependable, reasonably-priced insurance is not the easiest thing to accomplish, and figuring out which company quotes the most affordable auto insurance rates for 20 year old women will involve even more work. Each company uses different criteria for establishing rates, so let’s take a look at the auto insurance companies with the most affordable rates in Cincinnati.

It’s important to know that Cincinnati auto insurance rates are influenced by many factors which can significantly increase or decrease the price of your policy. Improving your credit score, becoming a homeowner, or having an at-fault accident can trigger rate changes that can make some companies more affordable than competitors.

Compare Cheap Insurance Quotes for Women Age 20

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Rankings for the cheapest car insurance companies in Ohio
Rank Company Cost Per Year
1 Utica National $635
2 Frankenmuth $680
3 Erie $687
4 Allied $690
5 Travelers $705
6 USAA $711
7 Cincinnati Insurance $772
8 Merchants Insurance Group $778
9 Motorists Mutual $800
10 General Casualty $813
11 Grange Mutual $828
12 Hastings Mutual $866
13 Central Mutual $874
14 State Farm $885
15 Atlantic States $913
16 Western Reserve $932
17 Westfield $936
18 Nationwide $988
19 Progressive $991
20 Auto-Owners $998
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Utica National quotes some of the best car insurance rates in Cincinnati at around $635 each year. This is $405 less than the average policy premium paid by Ohio drivers of $1,040. Frankenmuth, Erie, Allied, and Travelers also make the cut as some of the more affordable Cincinnati, OH insurance companies.

As depicted above, if you currently have coverage with Allied and switched to Frankenmuth, you might achieve savings of about $10. Insureds with Travelers could save as much as $25 a year, and USAA customers might lower prices by up to $31 a year.

To find the cheapest coverage for you, click here or click through to the companies below.

Understand that those premium estimates are averaged for all drivers and vehicles in Ohio and are not factoring in an exact location for 20 year old women. So the car insurance company that fits you best may not even be in the top 33 companies in the list above. That helps illustrate why you need to get car insurance quotes using your own driver data and vehicle information.

Cincinnati auto insurance companies

Buying coverage from a good quality insurance provider is difficult considering how many different insurance companies sell coverage in Cincinnati. The information in the lists below could help you decide which insurers you want to consider purchasing coverage from. These rankings are only comprised of the largest auto insurers in America, so companies that have a smaller presence are not factored into the list.

Top 10 Large Auto Insurance Companies Overall in Cincinnati

  1. USAA
  2. 21st Century
  3. GEICO
  4. Nationwide
  5. AAA Insurance
  6. Liberty Mutual
  7. Safeco Insurance
  8. State Farm
  9. Travelers
  10. American Family

The chart below illustrates how your deductible choice can increase or decrease insurance rates when trying to find cheap insurance for 20 year old women. The premiums are based on a single female driver, comp and collision included, and no additional discounts are factored in.

In the chart above, a 30-year-old driver could pocket $280 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $420 by choosing a $1,000 deductible. Young drivers, like the Age 20 chart data, could potentially save $624 or more by choosing a larger deductible amount.

If you do raise deductibles, it is necessary to have enough spare savings to be able to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Tips to find budget-friendly insurance for 20 year old women

Lowering your rates is not difficult, and here are some penny-pinching solutions that can help Ohio drivers get lower-cost car insurance.

The last idea is extraordinarily necessary, as was emphasized in this article. Auto insurance prices in Cincinnati fluctuate considerably, so drivers shouldn’t be reluctant to change to a new company if you find a cheaper price.

Brand loyalty is great, but it’s not recommended if that loyalty results in overpaying lots of hard earned cash every month. Spend a few minutes and compare rates and find cheaper car insurance for 20 year old women.