Everything You Need to Know About Auto Insurance for Single Moms

There are many ways to save money on car insurance as a single mother. Read on to learn the average cost of auto insurance for single moms and how you can lower your monthly bill.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Written by Mathew B. Sims
Editor-in-Chief Mathew B. Sims

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: May 25, 2022

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Things to remember

  • Auto insurance for single moms can cost between $118 and $261 per month on average, close to the national average
  • Single mothers can expect their rates to double when adding a teenage driver to their policy
  • Save money by taking advantage of discounts, lowering your deductible, and applying for state programs if you’re eligible

It can be difficult to juggle life’s responsibilities as a single mother, but luckily, auto insurance doesn’t have to add stress to your life. Marital status doesn’t have a major impact on your rates, so car insurance for single moms won’t be much more expensive than the national average car insurance cost per month. However, rates can increase dramatically once your teenager is ready to drive.

Here, we’ll go over the average costs of insurance for single mothers with and without teenage drivers and ways you can keep those monthly rates low.

What are the average insurance rates for single mothers?

Generally, your status as a single mother won’t increase your rates much, so you’ll be offered the standard rates for women. It shouldn’t be hard to find low-cost full coverage auto insurance. On average, you can expect to pay between $118 and $261 per month for full coverage, depending on your age bracket. See the following chart for how the rates go down the older you get.

Average Monthly Auto Insurance Rates

Insurance Companies Average Monthly Auto Insurance Rates
USAA$72
State Farm$102
GEICO$124
Progressive$134
Nationwide$137
Allstate$206
Farmers$240
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Car insurance rates are higher for males. Statistically, men and younger people are more likely to get into accidents, so you’ll be able to take advantage of cheaper rates than a single dad would. 

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What can affect the rates of auto insurance for single moms?

Age and gender aren’t the only things that can affect your rates.

Your Marital Status

Even though single moms can get some of the lowest rates, married people file fewer claims than single people. Therefore, insurance companies may offer you slightly higher quotes than they would if you were married.

Your Driving Record

Keeping your record clean is one of the easiest ways of lowering your rate. Insurance companies will consider your driving history when determining your quote, so lots of tickets, claims, or accidents will result in higher rates.

Your Vehicle

High-end cars or sports vehicles are typically expensive to make, maintain, and insure. Choosing a car that is cheap, older, and has lots of built-in safety features could save you money on insurance. Make sure you learn about the best car insurance by vehicle type to find good deals for your specific vehicle.

Your Location

There are different auto insurance rates by ZIP code. Insurance companies analyze accident statistics, crime rates, population density, road conditions, and even climate to determine what an appropriate minimum rate would be for a specific location. If you live in a high-risk area, your rates will be higher.

Your Mileage

More time on the road means you’re more likely to get into an accident. If you work from home or have a short commute, you could reduce your rates.

Your Credit Score

Why do auto insurance companies use a credit score? Your credit score is a measure of your financial responsibility, and insurers like to know that you’ll pay your monthly bill on time. Additionally, those with higher credit scores are likely to be safer drivers, and safer drivers get cheaper rates.

Your Total Coverage

The more coverage you get, the more expensive your monthly bill will be. There are many different types of auto insurance coverage, ranging from minimum liability requirements to elective coverages. Depending on your location, you could pay as little as $46 per month if you stick to the minimum coverage, but only getting the minimum coverage could be risky for you and your children.

Your Children

Usually, having children won’t affect your rates. However, if you have a teenager who is ready to drive, your rates will likely rise, regardless of your marital status.

What happens to auto insurance for single moms when you add a teen driver?

Due to their inexperience, teenagers have a higher likelihood of crashes, so teen driver auto insurance can be three times as expensive as an average driver. A separate policy is often outside of a teenager’s budget, so parents usually add their teenager to their auto insurance plan to save money.

However, if you add a teenager to your policy, it could increase your rates dramatically.

Average Monthly Auto Insurance Rates with Teen Drivers on Policy
Insurance Companies Average Monthly Auto Insurance Rates w/ Teen Driver
USAA$127
Nationwide$157
Farmers$170
GEICO$223
State Farm$239
Allstate$250
Progressive$264
Liberty Mutual$307
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Depending on your insurance company, your monthly rates could more than double. Saving money is particularly crucial for single mothers, so take advantage of discounts specific for teen drivers, such as:

  • Driver’s Ed Discount. Get a discount for enrolling your teenager in a certified driver’s education course.
  • Defensive Driver Discount. Having your teenager take extra classes could save you money.
  • Good Student Discount. Good grades mean good savings.
  • Claim-Free Discount. Over time, your teenager could receive discounts for remaining claim-free.

You can also get discounts by proving safe driving habits with a telematics box that can track your teenager’s performance. The amount you can save depends on the company. For example, you could save up to 25% with Allstate or 40% with Nationwide.

What are the best types of coverage for auto insurance for single moms?

If you want to save the most money, you could stick with getting the minimum amount of insurance required by your state. Usually, the minimum third-party liability insurance includes bodily injury or property damage.

If you want to increase the level of protection for you and your children, consider the following elective coverages.

  • Personal Injury Protection. Pays for your and your children’s medical expenses and recovery costs after an accident.
  • Collision. Covers damages to your car after a collision.
  • Comprehensive. Covers damages from fires, storms, theft, and other non-collision incidents.
  • Rental Car Reimbursement. Reimburses you for the cost of a rental car if your car gets totaled.
  • Roadside Assistance. Provides battery jumps, tow services, gas refilling, and tire replacement for those unfortunate emergencies.

Even though your monthly rates will increase, having these extra safety nets could save you from having to pay a large sum out of pocket. It’s especially important for those single mothers who rely on one car to commute to work and take care of their children.

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How to Save Money on Auto Insurance for Single Moms

Even if your child isn’t ready to drive, you can still save money on your auto insurance.

If you’re a low-income family, take advantage of government resources as well as discounts. California, New Jersey, and Hawaii all offer auto insurance assistance for low-income families.

Be sure to review your auto insurance policies prior to renewal to see if you should increase or decrease coverage, update biographical information, and determine if you qualify for new discounts.

Start your search by keeping an eye out for certain companies. USAA usually offers the cheapest auto insurance, but it’s reserved for members of the military and their families. Progressive, GEICO, and State Farm are also known as some of the more affordable companies depending on your location.

Focus on discounts and see what you’re eligible for. Your initial quote may not include discounts, so if you find that your potential rates are outside of your budget, make sure you ask.

Increase your deductible and lower your overall coverage to what you need to have an immediate effect on lowering your monthly rates. Remember that you can’t legally drive without the minimum insurance required, so be sure you know what your state’s regulations are.

Where can you look for auto insurance for single moms?

Finding insurance for single moms can be difficult when you’re on a budget. However, after reading this article, you should feel ready to explore your options and find something affordable that fits you and your family’s needs.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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