Auto Insurance for Single Moms (2024)
Auto insurance for single moms costs around $179 monthly for the average 30-year-old female driver. However, if you qualify, you could get car insurance assistance for low-income single moms in some states. Learn how to find cheap car insurance for single parents and get the best insurance for single moms.
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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: Oct 4, 2023
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.
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: Oct 4, 2023
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.
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- Auto insurance for single mothers can cost between $118 and $261 per month on average, close to the national average
- Single mothers can expect their car insurance rates to double when adding a teenage driver to their policy
- Find the cheapest auto insurance for a single person by taking advantage of discounts, lowering your auto insurance 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 auto insurance for single moms won’t be much more expensive than the national average auto insurance cost per month. However, rates can increase dramatically once your teenager is ready to drive.
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, compare single-mother auto insurance rates with the best auto insurance companies.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Auto Insurance for Single Moms: Average Rates
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.
(Read: Best Auto Insurance Companies for Women)
Auto Insurance Monthly Rates by Age and Gender
| Driver | Allstate | American Family | Farmers | Geico | Liberty Mutual | Nationwide | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| 30-Year-Old Male | $177 | $137 | $160 | $87 | $200 | $136 | $136 | $103 |
| 30-Year-Old Female | $168 | $116 | $154 | $90 | $174 | $124 | $131 | $94 |
| 45-Year-Old Male | $160 | $117 | $133 | $80 | $174 | $115 | $105 | $86 |
| 45-Year-Old Female | $162 | $115 | $134 | $80 | $171 | $113 | $112 | $86 |
| 55-Year-Old Male | $152 | $111 | $126 | $76 | $165 | $109 | $100 | $82 |
| 55-Year-Old Female | $153 | $109 | $127 | $76 | $162 | $107 | $106 | $82 |
Auto insurance rates are higher for males. Statistically, men and younger people are more likely to get into accidents, so you can take advantage of cheaper rates than a single dad would.
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 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.
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.
Auto Insurance Average Rates for Parent and Teen Drivers by Provider
| Insurance Company | Monthly Rates for Teen Drivers | Monthly Rates for Parents with Teen Driver |
|---|---|---|
| Allstate | $638 | $538 |
| American Family | $509 | $180 |
| Farmers | $773 | $315 |
| Geico | $312 | $304 |
| Liberty Mutual | $785 | $255 |
| Nationwide | $476 | $259 |
| Progressive | $814 | $375 |
| State Farm | $349 | $218 |
| Travelers | $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 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.
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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 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.
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 need auto insurance for low-income families, 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.
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 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.
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 auto insurance rates. Remember that you can’t legally drive without the minimum insurance required, so be sure you know what your state’s regulations are.
Find the Best Auto Insurance for Single Moms Today
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 a cheap insurance policy for single parents.
On average, car insurance for a 30-year-old single mom costs onl $179 a month. However, you should 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.
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.
Free Auto Insurance Comparison
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.