The make and model of vehicle needing coverage is probably the largest consideration that determines if you can find cheaper coverage for single moms. Vehicles with more horsepower, poor passenger safety features, or a track record of large liability claims will cost much more to insure than safer models. The list below illustrates insurance prices for some of the most affordable vehicles to buy insurance for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra SE Touring Station Wagon | $2,123 |
| Ford Edge SE 2WD | $2,154 |
| Ford F-150 XLT Crew Cab 2WD | $2,199 |
| Dodge Grand Caravan CV | $2,207 |
| Ford Focus SE 4-Dr Sedan | $2,275 |
| Volkswagen Jetta SE 2.5 Station Wagon | $2,288 |
| Ford Explorer Limited AWD | $2,364 |
| Honda Civic VP 4-Dr Sedan | $2,396 |
| Ford Escape XLS 4WD | $2,406 |
| Honda CR-V LX 4WD | $2,413 |
| Chevrolet Impala LTZ | $2,440 |
| Toyota Prius | $2,482 |
| Chevrolet Equinox LTZ AWD | $2,485 |
| GMC Sierra 2500HD SLE Regular Cab 4WD | $2,492 |
| GMC Sierra SLE Regular Cab 4WD | $2,485 |
| Ford Fusion SEL 4-Dr Sedan | $2,495 |
| GMC Sierra 3500HD SLT Extended Cab 2WD | $2,529 |
| Start Your Quote Go | |
Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Estimates do not factor in your specific Los Angeles, CA location which can impact auto insurance rates substantially.
Based upon the table data, cars like the Hyundai Elantra, Ford Edge, Ford F-150, Dodge Grand Caravan, and Ford Focus are going to be the most affordable vehicles to insure for single parents.
Determining which companies have the lowest-priced car insurance rates for single moms will involve a bit more work in order to find the lowest price quote.
Each auto insurer uses different criteria for determining rates, so we’ll go over the car insurance companies that tend to have lower prices in California. Keep in mind that California car insurance rates are influenced by many factors which can substantially decrease or increase the cost of coverage. Simply getting older, getting married, or getting a speeding ticket can produce rate changes that can cause some rates to be much cheaper than others.
Find Cheaper Auto Insurance for Single Moms
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Wawanesa | $1,157 |
| 3 | Century National | $1,190 |
| 4 | CSAA | $1,198 |
| 5 | Nationwide | $1,213 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,447 |
| 8 | Progressive | $1,496 |
| 9 | Mercury | $1,548 |
| 10 | GEICO | $1,559 |
| 11 | Allstate | $1,559 |
| 12 | The Hartford | $1,575 |
| 13 | MetLife | $1,590 |
| 14 | Allied | $1,603 |
| 15 | State Farm | $1,699 |
| 16 | Esurance | $1,705 |
| 17 | Unitrin | $1,750 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,806 |
| 20 | Farmers | $1,946 |
| Get a Custom Quote Go | ||
USAA may have some of the cheapest car insurance rates in Los Angeles at around $1,109 each year. Wawanesa, Century National, CSAA, and Nationwide are also some of the cheapest Los Angeles, CA car insurance companies.
As shown in the rates above, if you buy coverage from CSAA and switched to Wawanesa, you might realize a yearly price reduction of in the neighborhood of $41. California drivers with Nationwide might save as much as $56 a year, and 21st Century insureds might realize rate reductions of up to $222 a year.
Bear in mind that those policy rates are averaged for all ages of drivers and types of vehicles and and are not figured with an exact zip code location for single moms. So the company that fits your needs best may not even be in the top 24 companies shown above. That’s why you need to quote rates from many companies using your own individual information.
One of the many factors that are used to help calculate the annual cost of car insurance is where your residence is. Cities with larger populations will most likely have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower coverage costs.
The following table sorts the most costly cities in California for single moms to purchase auto insurance in. Los Angeles is listed at #1 having an annual price of $2,168 for car insurance, which is around $181 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,142 |
| 3 | San Francisco | $1,745 |
| 4 | Oakland | $1,704 |
| 5 | Sacramento | $1,669 |
| 6 | Long Beach | $1,626 |
| 7 | Stockton | $1,588 |
| 8 | Santa Clarita | $1,580 |
| 9 | San Bernardino | $1,580 |
| 10 | Modesto | $1,547 |
| 11 | Riverside | $1,542 |
| 12 | Fontana | $1,535 |
| 13 | Fresno | $1,517 |
| 14 | Garden Grove | $1,508 |
| 15 | Moreno Valley | $1,506 |
| 16 | Anaheim | $1,474 |
| 17 | Santa Ana | $1,453 |
| 18 | San Jose | $1,381 |
| 19 | San Diego | $1,368 |
| 20 | Fremont | $1,361 |
| 21 | Huntington Beach | $1,360 |
| 22 | Oxnard | $1,358 |
| 23 | Bakersfield | $1,353 |
| 24 | Irvine | $1,343 |
| 25 | Chula Vista | $1,337 |
| Get a Custom Quote Go | ||
Rate quotes are comparative as the specific geographic location can increase or decrease coverage rates significantly.
Discounts on Los Angeles car insurance
Insurance companies that provide coverage for single moms may provide premium discounts that could lower prices by as much as 25% or more if you can meet the requirements. Companies and a partial list of their discounts can be found below.
- 21st Century offers premium reductions for homeowners, air bags, anti-lock brakes, automatic seat belts, good student, theft prevention, and teen driver.
- Progressive may have discounts that include good student, online signing, homeowner, online quote discount, multi-policy, and continuous coverage.
- State Farm has discounts for driver’s education, student away at school, accident-free, defensive driving training, anti-theft, good student, and multiple policy.
- Nationwide discounts include easy pay, good student, defensive driving, anti-theft, Farm Bureau membership, and accident-free.
- Esurance may offer discounts for multi-car, online quote, anti-theft, paid-in-full, defensive driver, and DriveSense.
- The Hartford offers discounts for air bag, defensive driver, vehicle fuel type, anti-theft, driver training, bundle, and good student.
The information below shows the comparison of auto insurance costs with and without policy discounts. The prices are based on a male driver, a clean driving record, no claims, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with homeowner, claim-free, multiple policy, accident-free, passive restraint, and defensive driving course discounts applied. When drivers qualify for the discounts, the average savings per year on car insurance for single moms is 28% or $576.
The diagram below demonstrates how deductibles can impact insurance rates when researching cheap insurance for single moms. The data assumes a married male driver, comp and collision included, and no discounts are applied.
The chart above illustrates that a 40-year-old driver could reduce rates by $308 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $466 by choosing a $1,000 deductible. Even younger drivers, like the 20-year-old category, could roll back prices $1,026 or more by choosing a higher deductible. If you make the decision to raise deductibles, it is a good idea to have additional funds squirreled away to offset the extra out-of-pocket expense that comes with higher deductibles.
Ideas for finding budget-friendly auto insurance for single moms
It is possible to find better rates, and here are some money-saving ideas that can help drivers quote cheaper coverage.
- Prevent rate increases by staying accident-free
- Assess whether full coverage is needed
- Drive a car with a high safety rating
- Just one traffic violation will increase your rates
- Increase your deductibles
- Better credit scores save money
- Compare rate quotes often
The last suggestion is especially necessary, as was noted in this piece. Auto insurance prices vary greatly, so don’t be unwilling to buy from a different company if you find a cheaper price.
Having a favorite company is great, but we do not recommend it if that loyalty results in overpaying thousands of dollars over the life of your policy. It only takes a couple minutes to compare prices to find cheaper insurance for single moms in Los Angeles.
The agents below can most likely help you decide which policy is best, since lots of people like to get some help when comparing insurance rates for single moms. It can be complicated to find the best policy yourself, and a professional agent can provide you satisfaction knowing you have sufficient coverage for your assets.
To find a Los Angeles insurance agency in your neighborhood, click the button after the list or click here to compare rates now.
Stephan Buckley – State Farm Insurance Agent
4340 Leimert Blvd #201 – Los Angeles, CA 90008 – (323) 298-9022
Bob Little – State Farm Insurance Agent
11654 W Pico Blvd – Los Angeles, CA 90064 – (310) 478-2001
Allyson Weber – State Farm Insurance Agent
1063 Colorado Blvd – Los Angeles, CA 90041 – (323) 258-5801