Top 10 Cheap Car Insurance for Single Moms
If you’re a single mom in the U.S. searching for cheap car insurance for single moms, you’re not alone. Many single mothers face higher premiums due to factors like single-income households and increased responsibilities. However, strategies and programs are available to help you secure necessary coverage without breaking the bank.
List of Cheap Car Insurance For Single Moms:
GEICO
Why it’s great: Lowest rates + easy online tools = stress-free coverage.
Avg. Min-Coverage Premium: $492
Customer Rating: ⭐ 4.5 / 5
Visit WebsiteProgressive
Why it’s great: “Name Your Price” and telematics can cut rates for low-mileage moms.
Avg. Min-Coverage Premium: $697
Customer Rating: ⭐ 4.5 / 5
Visit WebsiteState Farm
Why it’s great: Discounts for safe teen drivers and excellent local agent support.
Avg. Min-Coverage Premium: $545
Customer Rating: ⭐ 4.4 / 5
Visit WebsiteNationwide
Why it’s great: Vanishing deductible and SmartRide program reward moms who drive safely.
Avg. Min-Coverage Premium: $723
Customer Rating: ⭐ 4.0 / 5
Visit WebsiteAllstate
Why it’s great: Drivewise app earns cashback for safe daily driving—great for errands & school runs.
Avg. Min-Coverage Premium: $724
Customer Rating: ⭐ 4.5 / 5
Visit WebsiteUSAA*
Why it’s great: Exclusive low rates for military families and unbeatable service.
Avg. Min-Coverage Premium: $597
Customer Rating: ⭐ 5.0 / 5
Visit WebsiteTravelers
Why it’s great: IntelliDrive app can save moms up to 30% for calm, safe driving.
Avg. Min-Coverage Premium: $715
Customer Rating: ⭐ 4.9 / 5
Visit WebsiteLiberty Mutual
Why it’s great: Flexible coverage options to fit any family budget.
Avg. Min-Coverage Premium: Quote-based
Customer Rating: ⭐ 4.2 / 5
Visit WebsiteEsurance
Why it’s great: All-digital experience backed by Allstate.
Avg. Min-Coverage Premium: $1,292
Customer Rating: ⭐ 2.6 / 5
Visit WebsiteFarmers
Why it’s great: Great for new car owners and moms using rideshare services.
Avg. Min-Coverage Premium: $1,081
Customer Rating: ⭐ 4.5 / 5
Visit WebsiteAmica Mutual
Why it’s great: Award-winning service and dividend savings if you’re budget-focused.
Avg. Min-Coverage Premium: $1,242
Customer Rating: ⭐ 4.4 / 5
Visit WebsiteAuto-Owners
Why it’s great: Known for having the lowest premiums in many southern & midwestern states.
Avg. Min-Coverage Premium: $489
Customer Rating: ⭐ 4.3 / 5
Visit WebsiteAmerican Family
Why it’s great: Discounts for young families and KnowYourDrive safe habits.
Avg. Min-Coverage Premium: $907
Customer Rating: ⭐ 4.6 / 5
Visit WebsiteErie Insurance†
Why it’s great: Rate-lock helps with financial stability—your premium won’t increase unless you make big changes.
Avg. Min-Coverage Premium: $728
Customer Rating: ⭐ 4.6 / 5
Visit WebsiteThe Hartford / AARP
Why it’s great: Excellent if you’re a mom over 50 with lifetime repair coverage.
Avg. Min-Coverage Premium: $1,144
Customer Rating: ⭐ 4.2 / 5
Visit Website🔥 More Help for Single Moms
Want more options to save on car insurance? I’ve also written a detailed guide on the best car insurance for single women and moms. It’s packed with trusted companies, discounts, and tips just for you.
👉 Read the Full GuideStrategies to Reduce Car Insurance Costs
1. Compare Multiple Quotes
Shopping around is crucial. Tools like The Zebra and Insurify allow you to compare rates from various insurers, helping you find the most affordable option.
2. Utilize Telematics Programs
Programs like Progressive’s Snapshot and Allstate’s Drivewise monitor your driving habits. Safe driving can lead to substantial discounts, making these programs beneficial for cautious drivers.
3. Explore Pay-Per-Mile Insurance
If you don’t drive frequently, consider pay-per-mile insurance options like Metromile. This model charges you based on the miles you drive, potentially leading to significant savings.
4. Check for State-Specific Programs
Some states offer programs to assist low-income drivers. For instance, California’s Low-Cost Automobile Insurance Program provides affordable liability insurance to eligible drivers.
5. Maintain a Good Credit Score
Your credit score can impact your insurance premiums. Improving your credit can lead to lower rates, as insurers often consider credit history when determining premiums.
Tips to Lower Your Car Insurance Premiums
- Shop Around: Compare quotes from multiple insurers to find the best rate. Rates can vary significantly between companies.
- Ask About Discounts: Inquire about all possible discounts, such as good driver, good student, defensive driving, and multi-policy discounts.
- Raise Deductibles: Opting for a higher deductible can lower your premium. Ensure you can afford the out-of-pocket cost if you need to file a claim.
- Limit Teen Drivers: Adding teenage drivers increases rates substantially. Limit their driving or exclude them from your policy if possible.
- Drop Unnecessary Coverage: If your car is older, consider dropping comprehensive and collision coverage to save money.
- Improve Credit: A better credit score can lead to lower insurance rates. Work on improving your credit by paying bills on time and reducing debt.
- Bundle Insurance: Combine auto insurance with renters’ or homeowners’ insurance for a multi-policy discount.
- Maintain a Good Driving Record: Avoid accidents and traffic violations to qualify for the lowest rates as a safe driver.
Real-Life Example
Consider Sarah, a single mother from Texas. After her husband’s passing, her insurance premiums increased by $280 annually due to reclassification from “married” to “single.” However, a new Texas law effective September 1, 2025, aims to eliminate such penalties, potentially reducing premiums for over 1.1 million widows in the state.
Recommended Insurance Providers for Single Moms
Here are some insurance companies known for offering competitive rates and programs beneficial to single mothers:
- GEICO: Offers various discounts, including those for safe driving and multiple policies.
- Progressive: Known for its Snapshot program and customizable coverage options.
- State Farm: Provides discounts for safe driving and bundling policies.
- Allstate: Features the Drivewise program, rewarding safe driving habits.
- USAA: Offers competitive rates for military families, including single mothers with military connections.
Next Steps
- Assess Your Driving Habits: Determine how often and how far you drive to see if pay-per-mile insurance is suitable.
- Gather Necessary Information: Have your driving history, vehicle details, and current insurance policy on hand.
- Use Comparison Tools: Leverage platforms like The Zebra and Insurify to compare quotes.
- Inquire About Discounts: Ask insurers about available discounts for safe driving, bundling, or low mileage.
- Review State Programs: Check if your state offers programs for low-income drivers.
🚗 Need Help Getting a Car?
If you’re struggling with transportation, you’re not alone. I created a full guide to car assistance programs for single moms in 2025—covering free cars, repairs, grants, and more.
👉 Explore Car Assistance OptionsFrequently Asked Questions (FAQ)
Start by comparing quotes from multiple insurers—at least 3 to 5. Look for companies that offer discounts for safe driving, bundling, or low mileage. Some community programs or state-sponsored initiatives may also help reduce costs if you’re on a tight budget.
Insurance companies don’t label rates as “for single moms,” but many offer discounts that apply—like for safe driving, being a homeowner, or bundling auto with renters insurance. Always ask the agent if there are any discounts for your situation.
Not directly—but lifestyle factors like driving frequency, job location, and financial status can impact your rate. Single moms often drive less or have one car for the family, which may qualify for usage-based savings.
Yes, you can. Many companies offer basic liability coverage that meets state minimums. If money is tight, you can also look into state-sponsored plans or apply for emergency help from nonprofits that support single mothers.
It really depends on your driving history, credit score, and location. However, companies like GEICO, State Farm, and Progressive tend to be more affordable and flexible. If you drive less, usage-based insurers like Metromile or Root may save you more.
If you’re facing hardship, contact your current provider and ask about payment plans or temporary reductions. Some nonprofits like Modest Needs or Catholic Charities may help cover essential bills in emergencies. Also check your eligibility for state low-income insurance programs like CLCA in California.
At a minimum, you need liability insurance to stay legal. But if your car is your only mode of transport, I suggest getting at least collision coverage. Many single moms rely on their vehicle for everything—so it’s worth protecting if you can manage the premium.
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