Cheapest Car Insurance For Single Moms

Cheap Car Insurance for Single Moms Now Available Online at Lower Costs

Discovering affordable car insurance as a single parent has become more accessible through online platforms. It can be challenging for single moms or dads, as well as widows, widowers, and divorced or separated drivers, to find companies offering budget-friendly auto insurance. The discussion about this issue is happening nationwide because some insurance companies tend to charge higher premiums for these specific groups of drivers. However, there’s good news – the growing competition among car insurance providers creates opportunities for single parents to access reasonable coverage rates. is here to simplify the process of obtaining affordable auto insurance for single moms and dads. Our platform not only educates you on the basics of securing coverage online but also offers expert guidance in finding the best and most economical quotes tailored to your unique driving needs and budget. Take advantage of our specialized services online to secure a solution that aligns with your circumstances. Benefit from our expert advice to make informed decisions about what suits you best. To begin, simply fill out a quick online application form. Take action today to explore your options!

Discover How Car Insurance Discount For Single Mothers Works

Reducing the costs of your car insurance as a single mom is possible by exploring various discounts. While not all insurers may readily offer discounts, you have the opportunity to explore factors that could help lower your premium. Discussing the possibility of a discounted car insurance package with each insurer is essential, as it’s ultimately up to them to decide. Here are some discounts you can potentially qualify for:

  1. Low Mileage Discount: If you let insurers know you’ll be driving fewer miles each year, you might be eligible for a special discount. They may install a device to monitor your actual mileage.
  2. Group Discounts: Becoming a member of certain groups, such as military veterans, teachers, service members, or community-based organizations, could make it easier to secure affordable car insurance. Many groups are granted discounts that can save you money.
  3. Safe/Good Driver Discount: Maintaining a clean driving record with no major traffic violations or accidents in the past three years can earn you an extra discount. Consider taking a defensive driver training course to enhance your driving skills.
  4. Family Premium Concession: Listing your teen driver on your car insurance policy can lead to significant savings. If your teen maintains an excellent GPA consistently for the last three years, it’s even better. This way, you won’t need a separate insurance policy for them.

Remember, discussing these options with insurers and exploring your eligibility for these discounts can help you find a more affordable car insurance solution.

Factors to Consider When Choosing Affordable Single Mom Car Insurance Cover

It’s not just age and gender that influence how much you pay for car insurance.

Marital Status

Even though single moms often qualify for lower rates, married couples generally get even lower ones. This is because married couples tend to file fewer claims, so insurance companies might offer slightly higher quotes to single moms.

Driving Record

Keeping your driving record clean is one of the simplest ways to get affordable insurance. Insurance companies look at your record when deciding your quote. Having several tickets, claims, or accidents can lead to higher car insurance rates for single mothers.

Type of Vehicle

Fancy cars or sports vehicles are usually expensive to make, maintain, and insure. Choosing an older, more affordable car with built-in safety features can help you save on insurance. To find good deals for your specific car model, learn more about auto insurance for older cars and the best car insurance by vehicle type.

Location Matters

Different ZIP codes have different auto insurance rates. Insurance companies consider accident statistics, crime rates, population density, road conditions, and even climate to determine the appropriate minimum rate for a specific location. Living in a high-risk area can result in higher rates.


More time on the road increases the likelihood of accidents. If you work from home or have a short commute, you could lower your rates with a low-mileage auto insurance discount.

Credit Score

Auto insurance companies use your credit score because it reflects your financial responsibility. They want assurance that you’ll pay your bill on time. Those with higher credit scores are often seen as safer drivers, and safer drivers usually get cheaper rates.

Coverage Types

The more coverage you choose, the higher your monthly bill will be. Auto insurance coverage varies, from minimum liability requirements to elective coverages. Depending on where you live, sticking to the minimum coverage might cost you as little as $46 per month. However, having only the minimum coverage could pose risks for you and your children.


Generally, having children won’t impact your rates. However, if you have a teenager ready to drive, your rates will likely go up, regardless of your marital status. Explore more to find the best auto insurance companies for teens.

How to Save Money on Auto Insurance For Single Mothers

Even if your kid isn’t old enough to drive yet, there are ways to spend less on your car insurance.

If you’re looking for car insurance that fits your budget, there are government programs and discounts available for families with low incomes. States like California, New Jersey, and Hawaii provide car insurance assistance for single moms and families with limited income.

Before renewing your car insurance, take some time to go over your policy. Check if you need to increase or decrease your coverage, update your personal information, and find out if you qualify for any new discounts.

Start your search by looking into certain companies. USAA is known for offering affordable car insurance, but it’s typically for military members and their families. Progressive, Geico, and State Farm are also recognized as budget-friendly options, depending on where you live.

Pay attention to discounts and see which ones you qualify for. Sometimes, the initial quote you get might not include all the discounts available. If the rates you’re offered are too high, don’t hesitate to ask about potential discounts.

Consider raising your deductible and adjusting your coverage to the minimum required. Doing this can immediately lower your monthly car insurance costs. Just remember, you must have at least the minimum required insurance to drive legally, so make sure you’re aware of your state’s rules.

Choosing the Cheap Car Insurance for Single Mothers

When it comes to getting the best car insurance for single moms, there are different types to consider that can help you and your kids stay protected without breaking the bank. Let’s break down the options in a simple way:

  1. Basic Coverage: You can start with the minimum insurance required by your state. This usually includes coverage for injuries or damages to others in an accident.
  2. Extra Protection Options:
  1. Personal Injury Protection (PIP): This type covers medical expenses and recovery costs for you and your kids after an accident.
  2. Collision Coverage: If your car gets damaged in a crash, collision insurance will help cover the repair costs.
  3. Comprehensive Coverage: This type handles damages from things like fires, storms, theft, and other incidents not related to collisions.
  4. Rental Car Reimbursement: If your car is unusable, this coverage helps with the cost of renting a replacement.
  5. Roadside Assistance: For unexpected issues, like a dead battery or a flat tire, this coverage offers help with services like jumps, tows, fuel delivery, and tire replacement.

While adding these coverages might make your monthly payments a bit higher, they can be a lifesaver. Especially for single moms relying on one car to get to work and take care of their kids, having these extra safety nets can prevent you from having to pay a large amount of money if something goes wrong. It’s like having a safety cushion for your car and your peace of mind.

Discovering the Most Affordable Car Insurance for Low Income Single Mothers

Instead of just looking for the cheapest car insurance as a single mom or dad, it’s essential to ensure that the insurance coverage adequately protects your finances in case anything unexpected happens to your car. Additionally, it’s crucial to check the quality of the services the insurance company provides when handling claims. This will give you an idea of what to expect if you ever need to file a claim.

To find the best and most affordable single parent car insurance, you’ll need to spend some time comparing different options. This involves looking at free quotes from various local insurance companies, considering both the coverage they offer and the prices they charge. Our experts are here around the clock to simplify this process for you, making it easier to choose the right auto insurance for your specific driving situation. If you want to learn more, feel free to talk to one of our experts!


Can single moms really find affordable car insurance online?

Absolutely! Single moms can definitely find budget-friendly car insurance online. Websites like make it easy and specialize in helping moms find coverage that fits their budget.

How does being married or single affect car insurance rates for single moms?

Being married usually means lower rates, but don’t worry—single moms can still find good deals. Insurance companies might offer slightly higher prices, but there are options out there.

Why is having a clean driving record important for single moms looking for affordable car insurance?

Think of your driving record like a report card for driving. Keeping it clean by avoiding tickets and accidents is like getting good grades. Insurance companies like to see that, and it helps keep your insurance costs down.

Are there programs to help single moms with low income afford car insurance?

Yes! Some states have programs to make car insurance cheaper for people with lower incomes. In California, there’s a program called the Low Cost Automobile Insurance Program. It’s like getting a discount on car insurance for families who need it.

How do extra types of coverage affect what single moms pay each month?

Think of extra coverage like adding special features to your car. It might cost a bit more each month, but it’s like having extra protection. Things like Personal Injury Protection (PIP) and Collision Coverage help if something goes wrong.

Start Saving Today!!

Call our expert to know the exclusive offers on insurance for your car.

Scroll to top