Cheap Auto Insurance for Single Moms in 2024 (Save With These 8 Companies!)

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

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.

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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

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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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.

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

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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