Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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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.

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Reviewed by Daniel Walker
Licensed Car Insurance Agent

UPDATED: Jul 19, 2021

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The Short of It

  • There are no specific programs that offer auto insurance assistance for single moms
  • Adding a teen driver to your auto insurance will greatly increase your rates
  • Take advantage of discounts, lower your coverage, and raise your deductibles to help lower auto insurance rates

Being a single parent is hard. Not only do you have to take care of yourself and your child, but you also have to be financially responsible for you both. This can lead to searching for financial help such as auto insurance assistance for single moms.

While neither auto insurance companies nor the government offers parents specific help with their insurance coverage, it is possible to find affordable auto insurance for single moms.

Auto insurance companies all charge different rates so shopping around is a must. To compare auto insurance quotes for single moms, enter your ZIP code now.

What are auto insurance rates for single moms?

There are many factors used to determine your auto insurance rates. Companies look at your age, ZIP code, driving record, and many other specifics to create your individual rate.

Auto insurance rates for single moms are not much different than for anyone else. Some states do allow car insurance companies to calculate rates using gender, but other states like California have outlawed this practice.

Also, car insurance rates aren’t higher for single moms, but some companies offer a discount if you’re married. It might seem like your rates are rising if you lose that discount.

Although there aren’t specific auto insurance companies for single moms, let’s look at how much the top-rated auto insurance companies charge for auto insurance in general.

Average Annual Auto Insurance Rates Based on Coverage Type
CompanyAverage Annual Rates for Low CoverageAverage Annual Rates for Medium CoverageAverage Annual Rates for High Coverage
Allstate$4,628.03$4,896.81$5,139.02
American Family$3,368.49$3,544.37$3,416.40
Farmers$3,922.47$4,166.22$4,494.13
GEICO$3,001.91$3,213.97$3,429.14
Liberty Mutual$5,805.75$6,058.57$6,356.04
Nationwide$3,394.83$3,449.80$3,505.37
Progressive$3,737.13$4,018.46$4,350.96
State Farm$3,055.40$3,269.80$3,454.80
Travelers$4,223.63$4,462.02$4,619.07
USAA$2,404.11$2,539.87$2,667.92
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Monthly rates for high coverage auto insurance are around $345. It’s about $30 more than low coverage, but the increased coverage will prevent costly out-of-pocket expenses down the road.

Although states don’t offer specific auto insurance assistance for single moms, some states do offer low-income car insurance that may help.

For example, California’s Low-Cost Auto (CLCA) program, offers low coverage at a very low rate. In order to qualify for the low-income auto insurance program, you have to meet certain requirements.

Check with your state to see if there are any similar programs for you.

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How expensive is it for single moms to add a teen driver to their auto insurance?

It’s no secret that car insurance for teen drivers is much higher. They have less experience and are more likely to be in an accident, so insurance companies charge more.

The price of auto insurance for single moms will greatly increase if they add a teenage driver to their policy.

This table shows you the average cost of auto insurance for a 17-year-old driver.

Average Annual Auto Insurance Rates for 17-Year-Olds
CompanyAverage Annual Rates For a Single 17-Year-Old FemaleAverage Annual Rates For a Single 17-Year-Old Male
Allstate$9,282.19$10,642.53
American Family$5,996.50$8,130.50
Farmers$8,521.97$9,144.04
GEICO$5,653.55$6,278.96
Liberty Mutual$11,621.01$13,718.69
Nationwide$5,756.37$7,175.31
Progressive$8,689.95$9,625.49
State Farm$5,953.88$7,324.34
Travelers$9,307.32$12,850.91
USAA$4,807.54$5,385.61
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Monthly auto insurance rates for a 17-year-old driver average about $691, and male drivers are charged higher rates as well.

If you are divorced, it can be tricky to determine which parent should insure a child. Generally, if one parent has custody, then that parent would put the teen on their auto insurance. However, if custody is shared, both parents could insure the child.

Depending on your situation, it might be a good idea for both parents to list the teen driver on their insurance. This way the teen is fully covered, no matter which parent they’re with.

How can single moms save money on auto insurance?

The good news is that there are ways for single moms to save money on auto insurance, even if there aren’t other assistance programs available.

Some ways to lower car insurance for single moms are:

  • Lower your coverage amounts – The less coverage you have, the less your monthly auto insurance rates. However, this also means that you could have to pay more out of pocket in the event of damage to your car. You can also consider skipping additional coverages like Roadside Assistance to save money.
  • Raise your deductibles – Paying more out of pocket upfront will lower your monthly rates, but you have to be able to afford that deductible, so setting aside money in a saving account may help.
  • Carefully consider filing claims – When you file a claim for an at-fault accident, your car insurance rates will go up. For small damage, paying for it yourself may save you money in the long run.
  • Consider telematics – Usage-based auto insurance is generally cheaper if you don’t drive a lot. This type of insurance charges you a small base rate each month and then a low per mile charge.
  • Consider the vehicles you insure – Your car insurance rates are partially based on the car you drive. Auto insurance rates on a newer or sports car will be much higher because they cost more to repair or replace. Consider getting yourself or your teen driver a safe, older car to lower your rates.
  • Ask for discounts – Auto insurance companies offer drivers a slew of discounts, such as good driver, multi-car, good student, and driver’s education discounts. You can also usually bundle them to save even more money.

One of the best ways to lower your auto insurance rates is to shop around. Insurance companies will all charge different rates, so compare prices before deciding which company to go with.

Although you can’t get auto insurance assistance for single moms, you can still find great rates. Enter your ZIP code now to find the cheapest auto insurance for single moms near you.