What Insurance is Cheapest for a 20 Year Old Female in Oakland?

For young women, one of the big components that determine insurance cost is the neighborhood you call home in Oakland. More densely populated places are more likely to pay higher prices, whereas more rural areas profit from lower rates.

The illustration below ranks the highest-priced areas in California for 20 year old women to buy an auto insurance policy in. Oakland is listed at #5 costing $1,704 for the average insurance policy, which is approximately $142 monthly.

How much does car insurance cost in Oakland, CA?
Rank City Premium Per Year
1 Los Angeles $2,168
2 Glendale $2,121
3 Sacramento $1,720
4 San Francisco $1,711
5 Oakland $1,704
6 San Bernardino $1,644
7 Stockton $1,588
8 Long Beach $1,578
9 Santa Clarita $1,548
10 Moreno Valley $1,536
11 Fontana $1,519
12 Garden Grove $1,508
13 Modesto $1,502
14 Anaheim $1,488
15 Riverside $1,482
16 Fresno $1,472
17 Santa Ana $1,453
18 San Jose $1,437
19 Huntington Beach $1,374
20 San Diego $1,368
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Annual rates are estimated as specific location information can revise price quotes substantially.

The make and model of vehicle requiring insurance is one of the primary factors when trying to find the most affordable insurance for 20 year old women. Vehicles with high performance features, poor safety features, or a high likelihood of having liability claims will cost more to insure than safer models.

The data below shows auto insurance premiums for some of the more affordable automobiles to buy insurance for.

Cheapest Vehicles to Insure in Oakland, CA
Vehicle Estimated Cost for Full Coverage
Honda Accord LX-P 4-Dr Sedan $2,857
Ford Escape Limited 2WD $2,901
Honda CR-V EX-L 4WD $2,909
Hyundai Elantra SE Touring Station Wagon $3,085
Toyota Prius $3,126
Honda Odyssey LX $3,160
Dodge Grand Caravan SE $3,204
Toyota Tacoma 4WD $3,211
Ford F-150 XL Crew Cab 4WD $3,245
GMC Sierra SLE Regular Cab 2WD $3,387
Toyota RAV4 Limited 2WD $3,397
Volkswagen Jetta S 4-Dr Sedan $3,387
Chevrolet Equinox LS AWD $3,395
Chevrolet Impala LT $3,387
Ford Explorer Eddie Bauer AWD $3,429
Honda Civic LX 4-Dr Sedan $3,527
Ford Focus SES 4-Dr Sedan $3,537
Jeep Wrangler Unlimited Sahara 2WD 4-Dr $3,530
Ford Edge Sport 2WD $3,571
Toyota Corolla S $3,580
GMC Sierra 2500HD SLE Regular Cab 4WD $3,612
Chevrolet Malibu LTZ $3,619
Jeep Grand Cherokee SRT-8 4WD $3,612
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Table data assumes 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. Information does not factor in vehicle location which can decrease or increase premiums considerably.

Looking at the numbers, we can assume that makes and models like the Honda Accord, Ford Escape, Honda CR-V, and Hyundai Elantra are some of the less-costly vehicles to insure for young women. The cost of a car insurance policy will tend to be higher just due to the fact that there is more liability exposure for 20 year old women, but overall those specific models will have the cheapest car insurance rates that you’ll find.

Determining which insurers offer the lowest-priced insurance rates for 20 year old women involves a bit more work in order to find the lowest price. Every car insurance company has their own formula for setting rates, so we will examine the overall cheapest insurance companies in Oakland, CA.

It’s important to understand that Oakland insurance rates are determined by lots of factors which can significantly increase or decrease the price of your policy. Simply getting older, having a teenage driver, or getting a few speeding tickets can trigger changes in premium that can now make some companies more affordable than competitors.

Cheapest Insurance Rates for Women Age 20

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Cheapest California auto insurance companies
Rank Company Cost Per Year
1 USAA $1,143
2 Century National $1,178
3 Wawanesa $1,181
4 CSAA $1,222
5 Nationwide $1,226
6 21st Century $1,325
7 Grange $1,447
8 Allstate $1,513
9 GEICO $1,529
10 Mercury $1,533
11 Progressive $1,542
12 Allied $1,556
13 The Hartford $1,575
14 MetLife $1,654
15 Unitrin $1,682
16 Esurance $1,739
17 State Farm $1,750
18 Bristol West $1,777
19 Travelers $1,842
20 Farmers $1,966
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USAA may offer some of the most affordable car insurance rates in Oakland at around $1,143 a year. Century National, Wawanesa, CSAA, and Nationwide are also some of the best Oakland, CA insurance companies.

In the rate table above, if you currently have coverage with CSAA and switched to Century National, you could earn a yearly savings of approximately $44. California drivers with Nationwide may save as much as $48 a year, and 21st Century customers might reduce prices by as much as $147 a year.

Bear in mind that those prices are averaged for all types of insureds and vehicles and and are not calculated with an exact vehicle garaging location for 20 year old women. So the auto insurance company that can offer you the best price may not even be in the top 24 companies in the list above. That emphasizes why you need to get rate quotes from many companies using your own driver and vehicle profiles.

The example below illustrates how your choice of deductibles can affect premium costs when getting quotes for cheap insurance for 20 year old women. The information is based on a single male driver, comprehensive and collision coverage, and no discounts are factored in.

A 30-year-old driver could reduce rates by $552 a year by increasing from a $100 deductible to a $500 deductible, or save $830 by choosing a $1,000 deductible. Youthful drivers, like the 20-year-old, could potentially save as much as $1,640 each year by choosing a larger deductible amount.

When using a larger deductible, it will be important to have plenty of money set aside to enable you to pay the extra out-of-pocket expense that is associated with using high deductibles.

Responsible drivers pay cheaper insurance rates

In a perfect world, the ideal way to maintain cheap insurance prices for young women is to be a careful driver and not have accidents or get tickets. The information below demonstrates how traffic citations and at-fault accidents can raise car insurance rates for different age groups. The premiums are based on a single female driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.

In the prior example, the average cost of car insurance per year with no accidents and a clean driving record is $1,978. Get written up for two speeding tickets and the average cost hikes up to $2,645, an increase of $667 each year. Now get one accident along with the two speeding tickets and the annual cost of insurance for 20 year old women increases to an average of $3,314. That’s an increase of $1,336, or $111 per month, just for not paying attention while driving!

You are probably paying too much for car insurance

Oakland, CA insurance rates are based on many factors that control the cost of having a policy. Simply improving your credit, getting married, or having an accident can trigger changes in premium resulting in some companies being cheaper than competitors. Not only may your risk profile change, but insurance companies change rates as often as every three months in order to protect their financial rating. Higher than usual claims may result in rate hikes, while long-term profits can produce lower-priced Oakland car insurance rates.

For instance, the bar chart below shows the companies that have the cheapest car insurance in Oakland, CA for a 35-year-old female driver with no accidents, a clean driving record, and solid credit. Based on her current risk profile, USAA may have the cheapest car insurance rates in Oakland at $1,449 a year. This is $202 less than the average price paid by California drivers of $1,651. Wawanesa, Nationwide, Century National, and CSAA are also included in the best Oakland, CA auto insurance companies.

In the next rate comparison, we’ll give the driver from above a chargeable accident, slightly worse credit, and a traffic citation. Since each auto insurance company uses a different method for determining rates, analyzing rate quotes may result in a different ranking of the cheapest car insurance companies in Oakland as shown below.

Grange now has the cheapest auto insurance in Oakland, CA with Mercury, Progressive, GEICO, and Allied completing the list. This example proves why consumers need to shop around when trying to get affordable insurance quotes for 20 year old women.

Insurance rates consist of many things and change dramatically, so the cheapest rate two years ago may now cost much more than other companies.