Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

The lowdown...

  • If you are a single mom, you have to watch your budget
  • Car insurance is an important part of your budget that cannot be forgotten
  • See if you qualify for discounts to lower your premiums and keep your driving record flawless for best rates

Are you a single mom looking for car insurance? You’re not alone. As of 2016, there was a total of 17.4 million children who were being raised by single mothers in the United States alone. About 45 percent of these live below the poverty level.

Other statistics involving single moms indicate the struggles they face on a daily basis in making ends meet. For this reason, it is more important than ever for single mothers to find affordable utilities, housing, and insurance.

When looking for car insurance, there are some things you will want to keep in mind to find the best policy. And you will want that policy at the best price. Use our free comparison tool to find the insurer who is right for you.

Important Components of Car Insurance

AdobeStock_56116135-1600x1600

  • Basic coverage – First of all, you need to make sure you have the mandatory coverage required by law, including liability coverage for bodily injury and property damage liability as required by state law.
  • Collision – Collision insurance guarantees that your car will be repaired if it is damaged in an accident. By comparing different policies and insurance companies, you can get a better idea of what you need in your car insurance policy.
  • Comprehensive – Comprehensive insurance coverage covers damages to or loss of your car not due to collisions with another vehicle, including events such as acts of nature like fire or flood, hail damage, theft, or vandalism, to name a few.
  • Optional coverages – There are a number of optional coverages that you can apply for when looking for car insurance. Some of them are meant to cover medical expenses (such as with the medical expenses rider), and others provide a roadside assistance plan and car rental if you choose to add them.
  • Discounts – There are a variety of discounts that you may be eligible for with your car insurance policy.

Compare Insurance Providers Rates to Save Up to 75%

 Secured with SHA-256 Encryption

Concerns of the Single Mom

AdobeStock_58307910-1600x1600

Single moms, you may have specific concerns that other people do not think about, such as the safety of your children that you may carry in the car with you each day.

You should make sure that smaller children have adequate child safety seats or car seats that conform to your state laws.

Also, you should look into making sure that you have enough coverage to cover all children that you have as passengers at all times.

Some single moms also take other people’s children with them to various sporting events or school activities. You need to remember that you are liable for bodily injury of all your passengers if you are at fault in a car accident.

Your general policy may cover your children based on the mandatory state requirements, but make sure you have enough coverage to cover an accident involving other kids as well.

Extra coverage would avoid the risk of legal action that might be taken against you if you were to have an accident for which you are responsible.

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

 Secured with SHA-256 Encryption

A Word About No-Fault States

It is important to remember that, though the fault is usually based on the police report involving who is to blame for an accident, not every state is a “fault state.”

A fault state is one that makes the decision on whose insurance will pay for an accident based on fault, but this resource shows you that there are many states which do not observe this criterion for insurance payouts.

Insurance laws are legislated at the state level so it is important to know the insurance laws in your state and how they may apply to you.

What does “no-fault” really mean?

adobestock_86115954-1600x1600-3

If you live in a no-fault state, you will pay for your collisions and accidents no matter whose fault it is. This no-fault law removes the threat of level problems between automobile owners since both parties will pay for their repairs and injuries.

However, it does not recuse you from being sued for damages or injuries sustained in your car if there are other children in your vehicle at the time.

For this reason, it is important to estimate the risk based on the number of passengers you typically carry in your vehicle with you and multiply by the estimated damage or injury that could be involved in an accident.

This information should dictate how much coverage you need if you regularly carry other children or your own in your car with you.

Remember that frequency is a risk factor.

The more you take people in the car with you, the higher the risk becomes. So check your state requirements then use your best judgment to decide how much coverage you need to feel secure.

Compare Insurance Providers Rates to Save Up to 75%

 Secured with SHA-256 Encryption

Cost is Not Everything

One of the things you should remember when shopping around for auto insurance is that cost is not everything.

While you have to stay within your means and income to make your budget, you should always weigh the risk with the amount you will be paying your premiums and make your decision based on that.

That being said, the cost is not the most important factor in choosing insurance. The main thing is to make sure that you have sufficient coverage for your vehicle so that every situation is covered including:

  • accident
  • theft
  • collision

Realistically, you can only afford what your budget allows, so talk to your representative when comparing insurance and tell them your situation.

They may be able to locate the best coverage for you based on your personal needs and budget restrictions.

Are you a good driver?

adobestock_101522098-1600x1600

This is one question that insurance companies will ask you, too. If you are a good driver with a sound driving record (no major traffic violations, including accidents for around three years), you may be eligible for a safe driver discount.

Safe driver discounts can also often be obtained if you can show other proof of safe driving efforts. One way you can prove your commitment to safe driving is to take a defensive driving course.

Getting a safe driving discount may save you a lot of money when you take out a new insurance policy. Many people who are carrying car insurance do not even realize that they are eligible for such discounts.

Ask your insurance representative for information regarding these types of discounts when you are shopping online for car insurance.

Employee Status Discounts

Some insurance companies offer special discounts for certain types of jobs or careers. For example, companies such as Geico Insurance Company and State Farm Insurance both offer various discounts for government employees.

In fact, Geico founder, Leo Goodwin, started his insurance company for the sole purpose of serving the needs of federal government employees.

Goodwin thought government employees had a higher-than-normal risk due to some of the things that they had to do as a part of their jobs, so he created his insurance to cover these needs.

With time, Geico Insurance has become an insurance company that allows many other types of employees with jobs besides government-based jobs to apply. They even offer insurance for self-employed persons now.

But they still offer some discounts for federal employee status, and you may also qualify for similar discounts with other companies like State Farm and others, who have a preference for government employees.

Compare Insurance Providers Rates to Save Up to 75%

 Secured with SHA-256 Encryption

Good Student Discount

AdobeStock_90378569-1600x1600

There are other discounts that single moms may want to apply for that may help you make your budget each month.

Are you a student currently enrolled in a technical college or university? If so, you may qualify for a good student discount.

Many people have never even heard of this discount.

If you do your research beforehand and do your homework, you can end up saving yourself hundreds of dollars per year in car insurance premiums.

Factors That Affect Your Rates

Remember when shopping for auto insurance that certain factors affect your rates. Some of the most important ones are listed below.

  • Make and model of your car – The make and model of your car will influence your premiums. That is because newer cars cost more to replace or repair. Sports cars are also more expensive to insure than other models.
  • Level of risk/number of passengers – The level of risk is a factor that your insurance company will take into account when deciding your premium. If you have had previous accidents or traffic violations or drive a long way each day to work, you will pay more than someone with a perfect driving record who works near home.
  • Distance from work and total mileage – As mentioned above, the distance that you drive from your house to your place of employment is important and will affect your premiums. You may be eligible for a low-mileage discount if you only drive a short distance to work or work at home.
  • Driving record – Your driving record is the most important factor in your premium calculation. Insurance companies decide your rates based primarily on this factor.
  • Discount eligibility – Ask your insurance representative if you are eligible for some of the discounts we mentioned in this post.
  • Credit rating – Believe it or not, your credit rating does affect your insurance premiums. One of the risk factors in insuring you is your ability to keep your policy current. If you have paid your bills on time before, you are seen as a lesser risk.

If you are a single mom, you have many concerns, but the most important is the safety of your children.

Make sure they are safe and that your financial situation is secure by carrying adequate insurance and keeping your driving record in good shape.

Compare car insurance rates today right here and see how much you could save on auto insurance.