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Tips For Choosing the Best Car Insurance For Single Moms

If you are a single mom with small children, you may want to consider getting child safety seats and buying car insurance for the entire family. Single parents should also consider the insurance coverage for any other children they may take with them. If they are involved in an accident, they may be held liable for any bodily injuries to all of their children, including other people’s children. Here are some tips for choosing the best car insurance for single moms.


If you’re a single mom, you might consider USAA car insurance for single moms. The benefits are numerous. Not only is it affordable, but it also offers a flexible payment schedule, which is great if you have a non-standard schedule. Plus, if you’re in the military, you may qualify for a discount that makes your payments more manageable. The benefits of USAA car insurance for single moms are a great way to save money while still getting quality coverage and service.

Liability auto insurance pays for bodily injury and property damage caused by a car accident. Liability auto insurance is required in most states, and it pays for the other driver’s damages. Liability auto insurance limits vary from state to state, but you should aim for a 100/300/100 coverage, which pays up to $300,000 per person, $100,000 for property damage, and $300,000 for personal injury.

For a single mom, roadside assistance coverage can be very helpful, as it provides assistance in case your car breaks down. If you’re not an AAA member, you may be able to skip this coverage altogether, but it’s still worth considering. Single parents don’t want to worry about their parental status if it comes to their auto insurance. In general, single parents will pay more than married people because they’re considered to be a higher risk.


While most states require a certain minimum level of coverage, Geico’s rates are among the lowest for this group. Despite its low average rates, the company trails behind State Farm, USAA, and American Family when it comes to the type of coverage you need. The lowest premiums for this minimum level of coverage are nearly $400 below the national average. However, high levels of coverage provide adequate protection should you be involved in an accident. Geico’s rates for these minimum levels of coverage are also substantially lower than the national average.

If you’re a single mother, you should not forget to shop around for the best rate for your coverage. Getting car insurance for single parents is not always easy, especially when you’re on a tight budget. However, it’s important to remember that many companies offer a variety of discounts to single mothers. For instance, you may qualify for a discount if you’re a military veteran, a teacher, or a community based organization.

Your credit score also has an impact on your insurance premiums. Insurance companies look at your credit rating to determine how likely you are to pay your premiums on time. If you keep your driving record clean, you can cut unnecessary insurance costs and save a few hundred dollars a year on your car insurance. Make sure to ask for discounts! You’ll be happy you did. So, shop around! There’s no need to be stuck paying high insurance rates just because you’re a single mom.


Among its other products, Progressive car insurance for single moms emphasizes experience over age when setting rates. However, rates for young drivers are higher than those of other insurers, with the average annual premium of $3,600, more than double that of Geico and State Farm. While its young driver rates are competitive, adding a teen is the most common reason for high rate hikes. Among national insurers, Progressive charges an average of $2,000 more annually to insure a driver with a teen.

For single moms, roadside assistance coverage may be a good option. It provides assistance to drivers who have broken down. Single moms can opt for this coverage or forgo it if they belong to AAA. One thing to keep in mind is that a single mom will likely not use this extra benefit on a daily basis. It’s not a necessity, but it’s definitely an option worth considering.

While most drivers in their 40s enjoy lower rates than their younger counterparts, it’s still best to shop around for lower rates and discounts. In addition, drivers in their 40s are likely to be better drivers than those in other age groups, so it’s worth comparing insurance quotes from different companies. Geico, State Farm, and Progressive all charge about $1,950 per year and $286 per month, respectively.

State Farm

While State Farm is a good choice for single moms, rates for young drivers are often prohibitive. Fortunately, State Farm offers various discounts for young drivers, including a good student discount and a Steer Clear program that can lower rates for young drivers who complete a safety course. However, drivers with bad credit may want to consider another insurer, since rates with State Farm are almost $900 higher than the national average.

There are several options for single mothers, including medical payments coverage (MedPay) and personal injury protection (PIP). Medical payments coverage covers the medical costs of the other driver in the event of an accident. Both of these policies are recommended for single mothers, although they are not required. However, these coverages can give peace of mind to single parents. For example, medical payments coverage can cover the cost of a rental car while your vehicle is being repaired. Single parents may consider adding rental reimbursement coverage. However, they can always forgo this coverage if they don’t need it.

In addition to these discounts, single moms can also receive additional coverage for their car. This extra coverage can help a single mom’s finances in times of need. Some insurance policies even reimburse certain expenses for the care of a child. But just because you have an extra driver does not mean you have to pay more. You can always look around for discounts and other ways to save money. You can use a free comparison tool to help you decide on the best insurance policy for you.


If you’re a single mom who works full time, you can get affordable car insurance from Allstate. These policies typically last for a year, but you can pay premiums every six months or monthly, depending on your budget. Regardless of your driving record, you can qualify for a “smart student” discount if you have good grades and complete a TeenSMART driver education course. If you’d like to save money, consider bundling your policies. You may qualify for a discount if you bundle your auto insurance with a home insurance policy.

Allstate offers a special discount for drivers with good grades. This discount is worth more than $50 a year if you’re a good driver. In addition to the low price of car insurance, Allstate has a deductible reward program where you automatically lower your deductible by $100 for every year without an accident. If you’re a single mom, you can save even more with their deductible rewards program.

You should also consider purchasing a medical payments coverage policy. This coverage will cover the cost of medical bills if you have to spend time in the hospital, while personal injury protection will pay for any documented losses you have. These discounts can vary by zip code, so be sure to review your policy each year. You can also opt not to purchase this coverage if you don’t need it. Once you’ve reviewed all of the quotes, you can choose the best plan for you.


If you’re a single mom with little income, Farmers car insurance may be worth considering. This company has one of the best rates for good drivers, but the average rate for a single mother increases by more than $600. This is significantly higher than rates from Allstate, Progressive, or Geico. While the average rate increase for Farmers after an accident is less than one thousand dollars, it’s still significantly higher than the average rate for drivers with a good credit score.

There are several benefits to purchasing Farmers car insurance for single mothers. Personal injury protection pays for medical costs incurred after an accident. Collision insurance covers damages in a collision, and comprehensive insurance covers accidents that aren’t your fault. Other benefits that single mothers may find appealing include rental reimbursement coverage, which pays for the cost of renting a car while their own vehicle is being repaired. If you don’t need rental reimbursement coverage, you can opt out of it.