I was wondering if anyone had any suggestions for car insurance policies . I'm a 20 year old female, have had my license for 3+ years, never been in an accident. Could you give me an average monthly rate for insurance for a modest car (think college student income)?. Maybe you could get a quote from insurers you get from yellow pages, low cost car insurance in louisiana. the internet, the TV, the radio. There are several tips to consider, when you are looking to discover approximately how much is car insurance for a 20 year old and if you want to get the best policy offers: cheapest car insurance for 20 year old female. The type of car you drive, whether or not it has special features (things that might attract thieves), the zip code you will be driving and parking it in, the color, whether or not you have anti-theft features or devices (like alarms or "the Club"), how many miles you drive regularly, what kind of grades you get, your credit score..