It’s hard to miss the ads from auto insurance companies like Progressive and State Farm that promise the cheapest rates. So drivers just need to pick one at random, right?
It’s not that easy, however, as there are a whole bunch of unknown factors like the miles you drive each year, your gender, if you are married, and whether or not you are currently insured, that help determine the price you have to pay. This article will cover the best ways to save money and educate you enough to have a good start in finding the cheapest car insurance.
The vehicle model that needs insurance is a large factor that determines whether or not you find the best car insurance for single moms. Vehicles with limited top-end speed, good safety features, or low incidents of liability claims will cost much less to insure than fast, unsafe models. The next list presents auto insurance costs for a number of the most cost-effective automobiles to insure in Arizona.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 2WD | $1,359 |
| Honda CR-V EX 4WD | $1,390 |
| Toyota Prius | $1,501 |
| Ford F-150 FX2 Super Cab 2WD | $1,525 |
| Ford Edge SE AWD | $1,575 |
| Toyota RAV4 Sport 4WD | $1,607 |
| Honda Accord EX 4-Dr Sedan | $1,663 |
| Chevrolet Impala LTZ | $1,692 |
| Toyota Tacoma X-Runner 2WD | $1,700 |
| Ford Fusion Sport 4-Dr Sedan | $1,721 |
| Chevrolet Malibu LTZ | $1,729 |
| Ford Explorer Eddie Bauer 2WD | $1,742 |
| Chevrolet Silverado 3500HD LT Crew Cab 2WD | $1,752 |
| GMC Sierra 3500HD SLT Extended Cab 2WD | $1,757 |
| Jeep Wrangler Unlimited Rubicon 4WD 4-Dr | $1,774 |
| GMC Sierra 2500HD SLT Crew Cab 4WD | $1,803 |
| Ford Focus SES 4-Dr Sedan | $1,900 |
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Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Premium costs do not factor in specific Chandler, AZ garaging location which can change premium rates significantly.
By looking at the data, you can figure that vehicles like the Ford Escape, Honda CR-V, and Toyota Prius are a few of the less-costly vehicles to insure for single parents.
Deciding which companies offer the cheapest car insurance rates for single moms calls for a bit more effort than just comparing a company or two. Every auto insurer has a unique formula for determining rates, so we need to take a look at the lowest cost car insurance companies in Arizona.
Compare Cheap Insurance Quotes for Single Moms
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $811 |
| 2 | Safeco | $905 |
| 3 | Auto-Owners | $924 |
| 4 | Travelers | $1,108 |
| 5 | USAA | $1,113 |
| 6 | Progressive | $1,164 |
| 7 | GEICO | $1,177 |
| 8 | Ameriprise Group | $1,208 |
| 9 | CSAA | $1,213 |
| 10 | Allied | $1,245 |
| 11 | Farm Bureau Mutual | $1,247 |
| 12 | Safe Auto | $1,284 |
| 13 | Unitrin | $1,317 |
| 14 | Farmers | $1,350 |
| 15 | State Farm | $1,364 |
| 16 | American Family | $1,420 |
| 17 | Titan | $1,476 |
| 18 | Amica | $1,487 |
| 19 | MetLife | $1,505 |
| 20 | California Casualty | $1,506 |
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The Hartford generally has some of the most affordable car insurance rates in Chandler at around $811 annually. Safeco, Auto-Owners, Travelers, and USAA also make the cut as some of the most economical Chandler, AZ auto insurance companies.
As shown in the table above, if you are a policyholder with Safeco and switched to The Hartford, you might see an annual premium reduction of around $94. Policyholders with Auto-Owners may save as much as $113 a year, and Travelers customers might lower prices by up to $297 a year.
To find cheaper insurance rates for your vehicle, click here to get quotes or visit any of the companies below.
Bear in mind that those estimates are averages across all drivers and vehicles and and are not figured with a vehicle location for single moms. So the insurer that has the cheapest price for you may not even be in the top 28 companies shown above. That underscores the importance of why you need to compare prices as often as possible using your own driver and vehicle profiles.
Safe drivers pay cheaper rates
In a perfect world, the ideal way to score the most affordable car insurance rates for single parents is to drive cautiously and avoid accidents and violations. The chart below illustrates how speeding tickets and at-fault fender-benders impact yearly insurance costs for different insured age categories. The rates are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.
The chart shows that the average cost of an auto insurance policy in Chandler per year with a clean driving record and no accidents is $2,305. Get one speeding ticket and the average cost surges to $2,595, an increase of $290 each year. Then include two accidents along with the one speeding ticket and the 12-month cost of car insurance for single moms goes up to an average of $5,059. That’s an increase of $2,755, or $230 per month, just for being a careless driver!
Discount Chandler insurance
Auto insurance companies that offer coverage for single moms may also provide discounts that could lower prices by 25% or more if you are eligible to receive them. The best car insurance companies and their possible discounts are shown below.
- Esurance offers premium reductions for homeowner, emergency road assistance, online quote, safety device, multi-policy, and good driver.
- The Hartford may include discounts for defensive driver, air bag, vehicle fuel type, bundle, and driver training.
- AAA may offer discounts for pay-in-full, multi-policy, education and occupation, anti-theft, and good driver.
- GEICO has discounts for federal employee, five-year accident-free, driver training, anti-theft, air bags, and membership and employees.
- State Farm offers discounts for defensive driving training, student away at school, good driver, accident-free, passive restraint, and multiple autos.
The example below illustrates the comparison of auto insurance rates with and without discounts applied to the rates. The price estimates are based on a female driver, a clean driving record, no claims, Arizona state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with vehicle safety, homeowner, passive restraint, claim-free, defensive driving course, and marriage discounts applied. When taking advantage of discounts, theamount saved on car insurance for single moms is 27% or $449.
Difference between liability only and full coverage rates
Reducing premiums for car insurance is probably important to the majority of drivers, and one common way to reduce the cost of insurance for single moms is to only pay for liability coverage. The chart below illustrates the comparison of car insurance costs with and without physical damage coverage. The premium estimates are based on no claims, a clean driving record, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.
If we average the cost for all age groups, comp and collision coverage costs $1,366 per year more than buying just liability insurance. A very common question is if paying for full coverage is worth it. There isn’t a written rule to delete full coverage, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than around 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.
How to find cheaper auto insurance for single moms
Lowering your rates is not difficult, and here are some thrifty suggestions that can help Chandler drivers find low-cost car insurance.
- Pay less by remaining claim-free
- Bundle home and auto and save
- Good credit can help you save money
- On older vehicles, drop full coverage
- Raise your deductibles
- Buy vehicles with five-star safety ratings
- Compare rates regularly to ensure the best deal
The final tip is notably crucial, as we noted in the article above. Car insurance prices adjust often, so don’t be afraid to switch carriers if you find a better deal. Brand loyalty is not necessarily bad, but it isn’t a good idea if it’s costing you a wad of cash every year. Now is a great time to compare prices to find cheaper insurance for single moms in Chandler.
If you like to have some advice when trying to find lower insurance rates for single moms, the agents shown below can provide answers to your questions and help you determine which is the best policy. To locate a Chandler auto insurance agent by location nearest to you, click the link after the list.
- Oasis Insurance
1200 N Arizona Ave #3 – Chandler, AZ 85225 – (480) 782-9202 - American Family Insurance – Arturo Alatorre
600 W Ray Rd Ste D4 – Chandler, AZ 85225 – (480) 246-8479 - 1st Choice Insurance
2500 N Alma School Rd – Chandler, AZ 85224 – (480) 855-7000 - State Farm: Bryan Ross
5960 S Cooper Rd #2 – Chandler, AZ 85249 – (480) 855-8555