Wouldn’t it be so easy if we could tell you instantly the single company that has the best auto insurance prices for single moms? It’s not quite that easy, unfortunately, as there are a whole bunch of unknowns such as your date of birth, whether you are a man or a woman, if you have a coverage lapse, and if you want full coverage included. We are going to cover the types of things that cause high car insurance rates and will hopefully give you a jump start in finding the best auto insurance in Sacramento.
Finding out which insurers offer the lowest-priced auto insurance rates for single moms will take a little more sweat than just picking a company at random. Every car insurance company used slightly different criteria for setting prices, so let’s examine the overall cheapest auto insurance companies in Sacramento, CA.
It’s a good idea to be aware that Sacramento auto insurance rates are influenced by many factors which can substantially change the price of your policy. Improving your credit rating, moving across town, or having a fender bender can produce rate changes that can make some companies affordable when they were higher priced.
Lowest Insurance Price Quotes for Single Moms
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Wawanesa | $1,181 |
| 3 | Nationwide | $1,213 |
| 4 | Century National | $1,214 |
| 5 | CSAA | $1,234 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,477 |
| 8 | Allstate | $1,497 |
| 9 | GEICO | $1,529 |
| 10 | Mercury | $1,533 |
| 11 | Progressive | $1,542 |
| 12 | The Hartford | $1,591 |
| 13 | Allied | $1,603 |
| 14 | MetLife | $1,606 |
| 15 | State Farm | $1,733 |
| 16 | Esurance | $1,739 |
| 17 | Unitrin | $1,750 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,806 |
| 20 | Farmers | $2,006 |
| View More Rates Go | ||
USAA quotes some of the cheapest car insurance rates in Sacramento at around $1,143 per year. Wawanesa, Nationwide, Century National, and CSAA also qualify as some of the cheaper Sacramento, CA auto insurance companies.
In the rate table above, if you are currently insured with Century National and switched to USAA, you could see yearly savings of in the vicinity of $71. Insureds with CSAA may save as much as $91 a year, and 21st Century customers might lower prices by up to $223 a year.
To see how much you can save, click here to start your free quote or feel free to get quotes from the companies below.
Remember that these policy rates are averages for all drivers and vehicles in California and and are not figured with an exact location for single moms. So the auto insurance company that fits your age and vehicle best may not even be in the list above. That helps illustrate why you need to compare rates from as many companies as possible using your own specific driver and vehicle information.
The vehicle you are buying coverage for is one of the largest considerations that determines if you can find the most economical insurance for single moms. Vehicles with lots of speed or power, poor safety features, or a history of substantial liability claims will cost quite a bit more to insure than more economical and safe models. The next list outlines insurance costs for a handful of the most affordable vehicles to insure.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Toyota Tacoma 4WD | $1,408 |
| Hyundai Elantra GLS Touring Station Wagon | $1,441 |
| Ford Escape XLS 2WD | $1,446 |
| Jeep Grand Cherokee Laredo 4WD | $1,487 |
| Volkswagen Jetta S 2.5 Station Wagon | $1,560 |
| Honda CR-V EX-L 2WD | $1,578 |
| Toyota Prius | $1,593 |
| GMC Sierra SLT Extended Cab 4WD | $1,603 |
| Toyota Corolla XRS | $1,593 |
| Ford Explorer XLT 2WD | $1,616 |
| Chevrolet Silverado 3500HD LT Crew Cab 2WD | $1,621 |
| Hyundai Sonata SE 4-Dr Sedan | $1,672 |
| Nissan Rogue SL AWD | $1,677 |
| Compare Cheap Rates Go | |
Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Prices do not factor in vehicle location which can affect rates considerably.
Based on these rates, models like the Toyota Tacoma, Hyundai Elantra, Ford Escape, Jeep Grand Cherokee, and Volkswagen Jetta are likely to be a few of the cheapest vehicles to insure for single parents.
The information below shows how choosing a deductible can raise or lower insurance costs when searching for cheap insurance for single moms. The premiums are based on a single male driver, comprehensive and collision coverage, and no discounts are applied.
The data above shows that a 30-year-old driver could lower their car insurance rates by $488 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $736 by using a $1,000 deductible. Even younger insureds, such as the Age 20 example, have the ability to save as much as $1,432 each year just by choosing larger deductibles.
When increasing deductibles, it’s a good idea to have enough savings set aside to satisfy the extra out-of-pocket expense associated with higher deductibles.
Should you buy full coverage?
Buying cheaper auto insurance is probably important to the majority of people, and one easy way to buy cheap insurance for single moms is to not insure for full coverage. The chart below illustrates the comparison of insurance costs with full coverage compared to only the California minimum liability coverage. The premiums assume a clean driving record, no claims, $250 deductibles, drivers are not married, and no other discounts are factored in.
On average, full coverage costs an extra $2,314 per year more than just insuring for liability. At some point, almost every driver questions if physical damage coverage is worth the money. There is no written rule of when to drop physical damage coverage, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than 10% of replacement cost minus your deductible, then you might want to consider buying only liability coverage.
For example, let’s pretend your vehicle’s book value is $10,500 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $9,500 after paying your policy deductible. If you are paying over $950 annually for physical damage coverage, then you might want to think about dropping full coverage.
Insurance rate increases from tickets or accidents
One of the best ways to earn the best auto insurance rates in Sacramento for single parents is to drive carefully and avoid traffic citations and accidents. The example below shows how violations and accident claims can influence annual premium costs for different insured age categories. The premiums are based on a married female driver, full coverage, $250 deductibles, and no discounts are taken into consideration.
In the previous chart, the average cost of car insurance per year with a clean driving record and no accidents is $2,372. Get written up for two speeding tickets and the average cost jumps to $3,382, an increase of $1,009 each year. Then include two accidents along with the two speeding tickets and the annual cost of auto insurance for single moms increases to an average of $7,139. That’s an increase of $4,767, or $397 per month, just for not driving attentively!
How to find more affordable car insurance for single moms
The list below shows a few thrifty ideas that can help Sacramento drivers get cheap auto insurance.
- If possible, pay for small claims out-of-pocket
- Maintain a safe distance and avoid accidents
- Tickets and violations raise rates
- Drive safe vehicles
- Higher credit scores can equal lower rates
- Shop your coverage around for the best deal
The final tip is particularly valuable, as we pointed out in the prior information. Rates fluctuate constantly, so don’t be hesitant to change to a new company if a better deal can be had. Having a favorite company is fine, but it’s not a good idea if that inflexibility results in costing you a considerable chunk of change every month. In less than five minutes you could compare rates to find cheaper auto insurance for single moms in Sacramento.