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

For young women, one of the more important considerations that are looked at to determine the annual cost of car insurance is where you keep your car. More populated areas tend to pay more, whereas areas with less congestion get the luxury of paying less.

The illustration below shows the most expensive cities in Illinois for 20 year old women to buy car insurance in. Chicago ranks #2 costing $1,484 for the average policyholder, which is about $124 per month.

Car insurance prices in Chicago
Rank City Premium Per Year
1 Cicero $1,588
2 Chicago $1,484
3 Berwyn $1,421
4 Skokie $1,391
5 Des Plaines $1,286
6 Oak Lawn $1,269
7 Evanston $1,226
8 Orland Park $1,184
9 Mount Prospect $1,181
10 Waukegan $1,176
11 Joliet $1,169
12 Tinley Park $1,166
13 Schaumburg $1,157
14 Bolingbrook $1,150
15 Palatine $1,143
16 Rockford $1,141
17 Arlington Heights $1,128
18 Elgin $1,117
19 Decatur $1,055
20 Aurora $1,053
Start a Quote Go

Annual rates are approximated as specific Chicago garaging address can modify premium rates substantially.

The type of vehicle on the policy is probably the largest consideration when comparing quotes for low-cost car insurance for 20 year old women. Vehicles with average performance, good safety features, or a track record of few liability claims will cost much less to insure than high performance models. The next list shows car insurance premiums for a handful of the most budget-friendly vehicles to buy coverage for.

Cheapest Vehicles to Insure in Chicago, IL
Insured Vehicle Estimated Cost for Full Coverage
Honda Accord LX 4-Dr Sedan $4,241
Ford Escape XLT 2WD $4,251
Honda CR-V EX-L 4WD $4,304
Toyota Prius $4,638
Chevrolet Silverado LS Regular Cab 4WD $4,698
Jeep Wrangler Rubicon 4WD 2-Dr $4,761
Ford Explorer XLT 2WD $4,767
Honda Civic DX 4-Dr Sedan $4,969
Ford Edge Limited 2WD $4,974
Dodge Grand Caravan Hero $5,032
Ford Fusion S 4-Dr Sedan $5,038
Chevrolet Equinox LT 2WD $5,032
Toyota RAV4 Sport 2WD $5,038
Compare Cheap Rates Go

Prices based on single female driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Illinois minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate information does not factor in zip code location which can modify price quotes noticeably.

Looking at the numbers, you can conclude that cars like the Honda Accord, Ford Escape, and Honda CR-V are the more affordable vehicles to insure for young women. The cost of auto insurance will tend to be more expensive anyway just due to the fact that there is more exposure for 20 year old women, but overall those makes and models will have the cheapest auto insurance rates available.

Discounts on Chicago insurance

Discounts on car insurance for 20 year old womenCar insurance companies that provide policies for 20 year old women may provide discounts that could reduce prices by as much as 40% or more if you meet the requirements. A few popular companies and some of their more popular discounts are included below.

The information below illustrates the comparison of premium costs with and without discounts applied to the policy rates. Data assumes a male driver, no claims or driving violations, Illinois state minimum liability limits, comp and collision included, and $100 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with anti-theft, continuous coverage, passive restraint, paperless filing, paid-in-full, and vehicle safety discounts applied. When these discounts are applied, the average amount saved each year on car insurance for 20 year old women is 18% or $302.

Bad driving habits will cost you more

The easiest method to get the most affordable car insurance rates for young women is to drive carefully and avoid getting tickets or having accidents. The example below highlights how speeding tickets and fender-benders raise yearly insurance costs for each age group. The price estimates are based on a single male driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.

In the previous example, the average cost of an auto insurance policy in Chicago per year with no accidents and a clean driving record is $1,522. Receive two speeding tickets and the average cost swells to $2,018, an increase of $496 each year. Then include one accident along with the two speeding tickets and the 12-month cost of car insurance for 20 year old women goes up to an average of $2,513. That’s an increase of $992, or $83 per month, just for being a careless driver!

Full coverage versus liability-only in Chicago

Finding cheaper car insurance should be important to most drivers, and one easy way to find cheaper insurance for 20 year old women is to not buy full coverage. The information below visualizes the comparison of car insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The price estimates are based on a clean driving record, no claims, $1,000 deductibles, drivers are single, and no discounts are applied.

As an average, full coverage costs $1,193 per year over having just liability coverage. Many drivers will wonder if you should buy full coverage at all. There is no clear-cut formula to stop buying physical damage coverage on your policy, but there is a general convention. If the annual cost of having full coverage is 10% or more of replacement cost minus your deductible, then you may want to consider only buying liability coverage.

For example, let’s assume your vehicle’s replacement cost is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company will settle for is $4,000 after paying the physical damage deductible. If it’s costing in excess of $400 annually for physical damage coverage, the it may be a good time to stop paying for full coverage.

If you would rather have a consultation when comparing insurance rates for 20 year old women, the insurance agencies listed below can most likely aid you in deciding which policy fits your needs best.

To locate a Chicago car insurance agency closest to you, click the link at the bottom or click here to compare rates now.

More Chicago, IL insurance agents

How to find more affordable auto insurance for 20 year old women

Lowering your rates is not difficult, and here are a few penny-pinching suggestions that can help Illinois drivers find cheaper coverage.

The last idea is remarkably critical, as was noted in this piece. Prices in Chicago fluctuate constantly, so don’t be tentative to buy from a new company if a better rate can be found.

We understand brand loyalty, but it’s not a good idea if that loyalty ends up costing several hundred dollars every year. In just a couple of minutes you could compare rates to find cheaper car insurance for 20 year old women.