Cheap Auto Insurance for Single Moms in 2024 (Save With These 8 Companies!)
State Farm has the cheapest auto insurance for single moms, followed by Progressive and Allstate. At State Farm, single moms pay an average of $50 per month for minimum coverage. Single moms in low-income families residing in California, Hawaii, or New Jersey may also be able to get government assistance.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Sep 11, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 11, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Avg. Monthly Rate for Single Mom
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Avg. Monthly Rate for Single Mom
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Avg. Monthly Rate for Single Mom
A.M. Best Rating
Complaint Level
Pros & Cons
Drivers can find cheap auto insurance for single moms at State Farm, followed by Progressive and Allstate.
There are also a handful of other companies that offer affordable car insurance for single parents, each of which has a different benefit for single moms, whether its roadside assistance or budgeting tools.
Our Top 8 Company Picks: Cheap Auto Insurance for Single Moms
Company | Rank | Monthly Rates | Usage-Based Discount | Best For | Jump to Pros/Cons |
---|---|---|---|---|---|
#1 | $50 | 30% | Cheap Rates | State Farm | |
#2 | $55 | 30% | Budgeting Tools | Progressive | |
#3 | $60 | 40% | Usage-Based Discount | Allstate | |
#4 | $65 | 40% | Roadside Assistance | Nationwide | |
#5 | $70 | 30% | Accident Forgiveness | Erie | |
#6 | $75 | 30% | 24/7 Support | Farmers | |
#7 | $80 | 30% | Customizable Coverage | Liberty Mutual | |
#8 | $85 | 20% | Loyalty Discounts | American Family |
Below, you can explore options for the cheapest auto insurance for single parents and how much your rates might go up when you need to add a teen to your policy. To find the best car insurance for low-income single mothers, enter your ZIP code above and compare single-mother auto insurance rates with the top auto insurance companies.
- State Farm has the best cheap car insurance for single moms
- Progressive and Allstate also have affordable rates for single mothers
- Some states offer help with car insurance for low-income single mothers
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#1 – State Farm: Top Pick Overall
Pros
- Cheap rates: State Farm has the cheapest car insurance for a single mom. Learn more about State Farm’s rates in our State Farm auto insurance review.
- Multiple local agents: State Farm has an extensive network of local agents, making it easy for single moms to find in-person assistance.
- Great discounts: State Farm auto insurance discounts are great for helping single moms get cheaper single-parent car insurance.
Cons
- Mixed customer service ratings: State Farm has some mixed reviews from customers about claims handling and online response time.
- Missing add-on coverages: While State Farm has great auto insurance coverage options, it is missing a few add-ons like modified car insurance.
#2 – Progressive: Best for Budgeting Tools
Pros
- Budgeting tool: Progressive’s Name Your Price tool allows single moms to see how much coverage they can purchase based on their budget.
- Snapshot program: Progressive’s Snapshot program rewards single moms’ good driving with a discount of up to 30% (learn more: Progressive Snapshot Review).
- Multiple coverages: Progressive has both basic auto insurance coverages and customizable add-ons, such as rental car coverage and rideshare insurance.
- Cheap DUI coverage: Generally, you’ll find that Progressive has lower-than-average car insurance rates for drivers with a DUI conviction.
Cons
- Few local agents: Progressive doesn’t have many local agents, limiting the amount of in-person help single moms can get.
- Mixed claim reviews: Like other large auto insurance companies, Progressive has a few negative customer claim reviews (learn more: Progressive review).
#3 – Allstate: Best for Usage-Based Discount
Pros
- Drivewise program: Single moms can earn a discount on their auto insurance for driving safely on the Drivewise app. You can read more about the program in our Allstate Drivewise review.
- Multiple coverages: Allstate has a great selection of coverages that single moms can take advantage of, from roadside assistance to rental reimbursement coverage.
- User-friendly: Allstate’s app and website are easy to use, so single moms can easily manage their auto insurance policies.
Cons
- Higher rates for some demographics: Allstate is one of the more expensive companies for high-risk drivers, so it may not be the most economical choice for single moms who are high-risk drivers.
- Mixed customer ratings: Allstate has some mixed customer claim ratings. Learn more about Allstate’s ratings in our Allstate auto insurance review.
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#4 – Nationwide: Best for Roadside Assistance
Pros
- Roadside assistance: One of Nationwide’s add-on coverages is roadside assistance, which operates 24/7. So no matter what time it is, single moms can get help with changing a tire or getting a tow.
- Vanishing deductibles: Single moms who are accident-free can get a break with their first accident at Nationwide, as Nationwide decreases deductibles for accident-free drivers over time.
- Multiple discounts: Nationwide also offers other discounts to drivers, from good driver discounts to multi-policy discounts. Find Nationwide’s complete list of discounts in our Nationwide auto insurance review.
Cons
- Fewer local agents: Nationwide doesn’t have multiple in-person agents, so most customers will have to communicate with agents over the phone or online.
- Limited availability: Nationwide only sells auto insurance in 47 states, so single moms may not be able to get Nationwide’s best car insurance for single moms in their state.
#5 – Erie: Best for Accident Forgiveness
Pros
- Car accident forgiveness: Erie Insurance offers accident forgiveness to qualifying drivers, which protects single moms with a clean driving record from high rates after their first at-fault accident.
- High customer ratings: Erie Insurance has great customer satisfaction ratings, which you can learn more about in our Erie auto insurance review.
- Added perks to policies: Erie Insurance offers great perks like pet coverage and personal item coverage with its auto insurance policies.
Cons
- Limited availability: Unfortunately, Erie Insurance is not available in every state yet, so not all single moms will be able to get Erie Insurance in their state.
- Fewer discounts: Erie Insurance doesn’t have as wide a variety of auto insurance discounts to offer as other major companies.
#6 – Farmers: Best for 24/7 Support
Pros
- 24/7 support: Farmers offers 24/7 support on policies, claims, and more, making it easy for single moms to contact the company anytime.
- Signal program: Farmers’ Signal program offers significant discounts to good drivers (learn more in our Farmers Signal review).
- Strong financial stability: Farmers has strong financial standing, meaning it is well-established and able to pay out claims without financial distress.
Cons
- Varying customer reviews: Farmers has some negative claims reviews from customers. Learn more in our Farmers review.
- Fewer local agents: Farmers has local agents, but not as many as other companies like State Farm, so single moms may struggle finding in-person assistance.
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#7 – Liberty Mutual: Best for Customizable Coverage
Pros
- Multiple coverages: Liberty Mutual has various add-on coverages to choose from, such as gap insurance, new car replacement insurance, and many more.
- RightTrack program: Liberty Mutual’s RightTrack program rewards safe drivers with a discount (read more: Liberty Mutual RightTrack Review).
- User-friendly: Liberty Mutual’s app and website are easy to navigate, making it simple to make policy changes. Read more in our Liberty Mutual auto insurance review.
Cons
- Mixed customer ratings: Liberty Mutual has mostly positive reviews, but there are a few negative ones about Liberty Mutual’s customer service.
- Higher rates for some demographics: High-risk drivers, such as teen drivers and DUI drivers, may not find the cheapest rates at Liberty Mutual.
#8 – American Family: Best for Loyalty Discounts
Pros
- Loyalty discounts: Single moms who have been with American Family for a specific period of time can earn a loyalty discount.
- Multiple coverages: American Family has a good selection of auto insurance coverages to pick from.
- Strong financial stability: American Family has great ratings for financial stability. Learn more in our American Family auto insurance review.
Cons
- Limited availability: American Family is not available in every state.
- Higher rates for some demographics: American Family likely won’t be the most affordable company for single moms with poor driving records.
Auto Insurance for Single Moms
Generally, your status as a single mother won’t increase your rates much, so you’ll be offered the standard rates for women.
Learn more: 10 Best Auto Insurance Companies for Women
It shouldn’t be hard to find cheap full coverage auto insurance. See the following chart for how the rates go down the older you get.
Single moms looking for car insurance assistance can find helpful resources and programs to support their needs. Plus, as you gain driving experience with age, you will see a drop in rates as long as you maintain a clean driving record.
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Factors Affecting Auto Insurance Rates for Single Mothers
Age and gender aren’t the only things that can affect your rates.
Marital Status
Even though single moms can get some of the lowest rates, auto insurance for married couples is considerably lower because they file fewer claims than single people. Therefore, insurance companies may offer you slightly higher quotes than if you were married.
Driving Record
Keeping your record clean is one of the easiest ways to get cheap insurance for single moms. Insurance companies check your driving record when determining your quote, so several tickets, claims, or accidents will result in higher single-mother car insurance rates.
Vehicle
High-end cars or sports vehicles are typically expensive to make, maintain, and insure. Choosing a cheap, older car with lots of built-in safety features could save you money on insurance. Learn more about auto insurance for older cars and the best car insurance by vehicle type to find good deals for your specific model.
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 an appropriate minimum rate for a specific location. If you live in a high-risk area, your rates will be higher.
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 with a low-mileage auto insurance discount.
Credit Score
Why do auto insurance companies use a credit score? Your credit score measures 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.
Coverage Types
The more coverage you get, the more expensive your monthly bill will be. There are many different types of auto insurance, 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.
Children
Usually, having children won’t affect your rates. However, if you have a teenager ready to drive, your rates will likely rise, regardless of your marital status. Read more to find the best auto insurance companies for teens.
Impact of Adding Teen Driver to Single Mom’s Auto Insurance Policy
Due to their inexperience, teenagers have a higher likelihood of crashes, so auto insurance for teens can be three times as expensive as an average adult driver. A separate policy is often outside 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.
Farmers Teen Full Coverage Auto Insurance Monthly Rates by Provider
Insurance Company | Teen Only | Teen Added |
---|---|---|
$638 | $538 | |
$509 | $180 | |
$773 | $315 | |
$312 | $304 | |
$785 | $255 | |
$476 | $259 | |
$814 | $375 | |
$349 | $218 | |
$910 | $538 | |
U.S. Average | $618 | $271 |
Depending on your insurance company, your monthly rates could more than double. Saving money is particularly crucial for single mothers, so take advantage of auto insurance discounts specific for teen drivers, such as:
- Driver’s ed discount: Learn how to get a driver’s ed auto insurance discount for enrolling your teenager in a certified driver’s education course.
- Defensive driver discount: Having your teenager take extra classes could earn them a defensive driver auto insurance discount.
- Good student discount: College or high school students with a B average or higher should learn how to get a good student auto insurance discount.
- 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 cheap usage-based auto insurance policy and 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.
Best Single-Mother Auto Insurance Coverage Types
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.
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— AutoInsurance.org (@AutoInsurance) March 19, 2023
If you want to increase the level of protection for you and your children, consider the following elective coverages.
- Personal injury protection: Personal injury protection (PIP) auto insurance pays for your and your children’s medical expenses and recovery costs after an accident.
- Collision: Collision auto insurance covers damages to your car after a collision.
- Comprehensive: Comprehensive auto insurance covers damages from fires, storms, theft, and other non-collision incidents.
- Rental car reimbursement: Rental car reimbursement coverage helps pay for the cost of a rental car if your car gets totaled.
- Roadside assistance: Roadside assistance coverage 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 single-mom car insurance. 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. Your state may also offer car insurance for low-income single mothers.
If you have a low income, in some states, you can take advantage of government auto insurance resources and discounts. California, New Jersey, and Hawaii all offer car insurance assistance for single moms and low-income families.Dani Best Licensed Insurance Producer
Start your search by keeping an eye out for certain companies. USAA usually offers the best cheap auto insurance, but it’s reserved for members of the military and their families. Progressive, Geico, and State Farm auto insurance are also known as some of the more affordable companies depending on your location. Getting quotes from these companies will help you determine which has the best rates.
Top Auto Insurance Discounts for Single Moms
Single moms looking for cheap car insurance should see what discounts they qualify for. Many insurance companies offer discounts for single parents, so it’s important to shop around and ask about any available savings. With a little research and comparison, single moms can find affordable car insurance that fits their budget.
Your initial quote may not include discounts, so if your potential rates are outside your budget, make sure you ask. Some of the top discounts to keep an eye out for are listed below.
Single Mom Auto Insurance Discounts
Insurance Company | Available Discounts |
---|---|
Allstate | Safe Driving Bonus, Multi-Policy Discount, Auto/Life Discount, Good Student Discount |
American Family | Good Driver Discount, Defensive Driving Course Discount, Multi-Vehicle Discount, Teen Driver Discount |
Erie | Safe Driver Discount, Multi-Policy Discount, Vehicle Safety Features Discount, Annual Payment Discount |
Farmers | Distant Student Discount, Multi-Car Discount, Homeowner Discount, Good Student Discount |
Liberty Mutual | Multi-Policy Discount, Safe Driver Discount, Newly Married Discount, Multi-Car Discount |
Nationwide | Good Student Discount, Multi-Car Discount, SmartRide Program, Accident-Free Discount |
Progressive | Snapshot Program, Multi-Policy Discount, Safe Driver Discount, Continuous Coverage Discount |
State Farm | Good Driver Discount, Multi-Vehicle Discount, Drive Safe & Save Program, Defensive Driving Course Discount |
You can also increase your deductible and lower your overall coverage to what you need to lower your monthly auto insurance rates immediately. Remember that you can’t legally drive without the minimum insurance required, so be sure you know your state’s regulations.
Find the Best Auto Insurance for Single Moms Today
Having access to cheap car insurance for single mothers is extremely important. Single moms deserve all the help they can get, especially when it comes to providing financial protection while raising a family. By shopping around and comparing quotes from different insurance companies, single mothers can find affordable coverage that fits their budget.
Finding cheap car insurance for single moms shouldn’t be difficult. After reading this article, we hope you feel empowered to explore your options and find a cheap insurance policy suited perfectly for single parents.
On average, car insurance for a 30-year-old single mom costs only $179 a month.
Just insert your ZIP code into our free quote comparison tool below to compare single-mother car insurance rates from various companies in one place.
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Frequently Asked Questions
Do single moms pay more for auto insurance?
Various factors, including driving record, age, location, vehicle type, and coverage options, determine auto insurance rates for single moms. Marital status itself doesn’t directly affect rates.
On the other hand, factors associated with single moms, such as age and credit history, can impact insurance premiums. However, it’s always possible to find cheap insurance for single moms if you compare single-mother car insurance rates from the best companies.
Are there any auto insurance discounts available for single moms?
Yes, there are various auto insurance discounts that single moms may qualify for, including safe driver discounts, good student discounts (for teenage drivers), bundling discounts (if you have multiple policies with the same insurer), and low-mileage discounts.
We recommend comparing discounts from various companies to find the best car insurance for single parents.
Is it advisable for single moms to have higher liability coverage limits?
Generally, we recommend single moms, like any other drivers, have sufficient liability coverage limits. Adequate liability coverage protects against potential damages and legal claims in case of an accident.
Assessing personal financial circumstances, potential risks, and state requirements is important when determining appropriate liability coverage limits.
Can single moms remove other drivers, such as ex-spouses, from their auto insurance policy?
Single moms can typically remove other drivers, including ex-spouses, from their auto insurance policy if those drivers no longer reside with them or use their vehicles.
However, it’s important to check with your insurance provider to ensure that all necessary drivers are appropriately covered, especially if they occasionally use your vehicle. Learn more about auto insurance for children of divorced parents.
Can single moms add their teenage children to their auto insurance policy?
Yes, single moms can add their teenage children to their auto insurance policy. However, adding teenage drivers to the policy may result in higher premiums due to their higher risk profile.
It’s important to inform your insurance provider about any additional drivers in the household to ensure they are properly covered.
Can I be on my mom’s car insurance if I don’t live with her?
You’ll need your own auto insurance if you’ve moved away from your mother permanently. However, you can remain on her single-mother car insurance policy if you only moved away for college. Learn how to find auto insurance for children at college.
How can single moms find the most affordable auto insurance rates?
Single moms can find affordable auto insurance rates by following these steps:
- Shop around and obtain quotes from multiple insurance providers.
- Maintain a good driving record and practice safe driving habits.
- Inquire about available discounts and take advantage of those you qualify for.
- Consider raising deductibles, if financially feasible, to lower premium costs.
- Learn how to save money by bundling insurance policies, such as homeowners or renters insurance, for potential discounts.
Can single moms receive assistance or special programs for auto insurance?
Some states and organizations offer car insurance assistance for single moms and low-income individuals. These programs may have specific eligibility criteria and vary by location.
We recommend you inquire with local government agencies or non-profit organizations to explore available options of car insurance for single moms.
Should single moms review their auto insurance policy annually?
Yes, we recommend single moms, and all drivers, review their auto insurance policy annually. Life circumstances, such as changes in driving habits, vehicle ownership, or address, can impact insurance needs.
Reviewing the policy allows you to ensure that coverage is up-to-date and appropriate for your current situation. Learn more about how to manage your auto insurance policy.
Does being a single mom affect the type of coverage needed for auto insurance?
Being a single mom doesn’t directly affect the type of coverage needed for auto insurance. Factors like driving habits, vehicle type, and financial situation determine coverage needs. However, it’s important to consider factors like dependents and potential risks when selecting coverage options to ensure adequate protection.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.