Car insurance for single parents gives some peace of mind, they must obtain appropriate coverage. Life can be challenging as a single parent and that is why you need to find cheap car insurance.
On average, car insurance for single parents costs $130 yearly than does a two-parent and teen policy.
Moreover, it has to do with the way risk is assessed by insurers. Insurance companies make use of historical data to show married couples are more likely to share driving responsibilities, drive less, and file fewer claims.
We decided to survey rates from the major insurance companies to find the best car insurance for single parents.
READ MORE: Cheap Car Insurance For New Drivers Of 2024
Best Car Insurance For Single Parents
Table of Contents
The following are the best car insurance companies for single parents which are:
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Geico
Geico is famous for its competitive area and wide range of coverage options. Moreover, it receives positive customer reviews for its ease of use and online tools.
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Progressive
Progressive is recognized for its innovative Snapshot program that tracks driving habits for potential discounts. Also, they offer many kinds of coverage options.
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State Farm
State Farm is one of the biggest car insurance providers in the United States. It provides a personalized service through local agents and a variety of coverage choices.
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USAA
USAA consistently receives high customer satisfaction ratings and offers specialized insurance products tailored to the needs of military members and their families.
READ MORE: Auto Insurance for Single Moms (2023)
Car Insurance For Single Parents
According to The Pew Research Center, the number of single parents is rising and single moms and dads need options for keeping their families safe while staying within the budget.
Car Insurance With Increased Coverage For Single Parents
Minimum car insurance coverage in most states will only cover injuries caused to someone else. Also, they make sure it is adequately covered is particularly important to most single parents as they are usually the primary.
Such parents will also want to make sure that their children are sufficiently covered since they will always be in the car with them.
Moreover, you can increase your coverage with the following options:
- Personal injury protection (PIP) and medical expense coverage.
- Bodily injury and property damage liability protection comprehensive and collision coverage.
Many insurance companies offer this kind of additional coverage that helps single parents with peace of mind.
Other Car Insurance Add-ons That Can Help Single Parents
Many single parents are extremely busy and already have their hands full, so most can also benefit from the help given through insurance coverage add-ons like:
- Roadside assistance service coverage
- Free-towing assistance of given with car insurance
- Rebate reimbursement.
These improvements can be an attractive option for single parents.
Single Parents With Teen Drivers
Maybe your teen has a driver’s license, so adding them to your existing policy is the best way to go.
Also, insuring the teen driver is expensive because of the risk they represent, adding your teen to your policy will be less expensive than purchasing a policy for them.
Car insurance gives student discounts and other incentives to assist you help you keeping the rates more affordable. Also, if your teen goes away for school you can qualify for the distance driver discount.
Car Insurance For Divorced Parents
When there is a change in marital status it can affect your insurance rates since insurance companies calculate them based on part on driver demographics.
Divorced parents with teen drivers can both need to add their children to their policy to make sure they have full coverage.
Also, make sure you talk to your insurance company about the details of your status as well as any pertinent custody arrangements to see diverse options that meet your needs.
How Can Single Parents Keep Insurance Rates Affordable?
This is not a secret that many single parents are concerned about their budget, and car insurance is part of the cost of living.
Some may think that there’s no way they can afford additional coverage, but it may be more expensive to overlook the options. So what can single parents do to make better coverage more affordable?
Insurance companies give discounts for various things, and some single parents can be able to take advantage of:
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Defensive Driving Courses
Drivers who enroll in and pass defensive driving courses can qualify for discounts, also to make the insurance coverage affordable.
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Driving Record
Drivers with an impeccable records represent a low risk for insurance providers to qualify for the discount.
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Make And Model of Car
Brand new cars and certain makes and models are expensive to easily replace or repair. So you will do your research and find a reliable car that qualifies for lower insurance rates.
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Credit Score
Customers who have a good credit score also represent a lower risk for insurance companies because their rating shows they are more likely to pay on time. For this, they may qualify for the discount.
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Student Discounts
Single parents who are still in school can qualify for student discounts. There are limiting factors like age or grade, but as your insurance provider, you can cash in on those extra hours spent in school.
Moreover, you have to do something to qualify for the available discounts. However, because the fates are based on gender, race and other demographics, there may be little you can do to change yours.
READ MORE: Best Car Insurance For Kids
Conclusion
When purchasing car insurance for single parents, additional coverage can increase safety to help those in need and reimbursement for certain expenses. As additional coverage doesn’t have expensive rates. When you shop around for discounts, you will be able to make better coverage more affordable.
