The vehicle model needing coverage is one of the largest factors when comparing quotes for the cheapest coverage for single moms. Vehicles with limited speed and performance, excellent safety ratings, or a track record of few liability claims will cost much less to insure than high performance models.
The next list illustrates car insurance premiums for the cheaper automobiles to buy coverage for.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 4WD | $1,303 |
| Dodge Grand Caravan SE | $1,426 |
| Honda Accord EX 4-Dr Sedan | $1,457 |
| Ford Escape XLS 2WD | $1,465 |
| Honda Odyssey EX W/Rear Entertainment | $1,478 |
| Toyota RAV4 4WD | $1,506 |
| Jeep Wrangler Unlimited Sport 2WD 4-Dr | $1,531 |
| Hyundai Elantra GLS Touring Station Wagon | $1,565 |
| Toyota Corolla S | $1,583 |
| Chevrolet Impala LTZ | $1,592 |
| Jeep Grand Cherokee Limited 4WD | $1,611 |
| Chevrolet Equinox LTZ AWD | $1,620 |
| Ford Fusion Sport 4-Dr Sedan | $1,611 |
| Nissan Rogue S 2WD | $1,616 |
| Ford Focus SES 2-Dr Coupe | $1,693 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,721 |
| Toyota Camry Hybrid | $1,731 |
| Toyota Prius | $1,739 |
| Ford F-150 STX Regular Cab 4WD | $1,746 |
| Ford Explorer XLT 4WD | $1,751 |
| Toyota Tacoma 2WD | $1,811 |
| Honda Civic DX 4-Dr Sedan | $1,818 |
| Chevrolet Malibu Hybrid | $1,846 |
| Compare Cheap Rates Go | |
Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Prices do not factor in zip code location which can revise price quotes considerably.
Based upon the rates shown, we can assume that cars like the Honda CR-V, Dodge Grand Caravan, Honda Accord, and Ford Escape are most likely going to be some of the less-costly vehicles to insure for single parents.
For single parents, one of the largest criteria that are looked at to determine the cost of insurance is where you normally keep your vehicle. Areas with increased crime or more people will most likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims get the luxury of paying less.
The illustration below sorts the most costly cities in Arizona for single moms to purchase car insurance in. Tucson ranks #10 with a yearly premium of $1,105 on average, which is around $92 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Phoenix | $1,255 |
| 2 | Glendale | $1,214 |
| 3 | Avondale | $1,186 |
| 4 | Scottsdale | $1,163 |
| 5 | San Tan Valley | $1,161 |
| 6 | Buckeye | $1,156 |
| 7 | Mesa | $1,147 |
| 8 | Gilbert | $1,120 |
| 9 | Tempe | $1,118 |
| 10 | Tucson | $1,105 |
| 11 | Peoria | $1,093 |
| 12 | Goodyear | $1,087 |
| 13 | Chandler | $1,082 |
| 14 | Catalina Foothills | $1,082 |
| 15 | Casas Adobes | $1,082 |
| 16 | Surprise | $1,080 |
| 17 | Maricopa | $1,074 |
| 18 | Casa Grande | $1,047 |
| 19 | Oro Valley | $1,031 |
| 20 | Flagstaff | $969 |
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Premium amounts are comparative as specific Tucson garaging address can impact price quotes considerably.
Shopping around for cheap insurance is tough enough, and figuring out which companies offer the best car insurance rates for single moms will require even more perseverance.
Each auto insurer has a unique approach for filing rates in each state, so we need to take a look at the most budget-friendly car insurance companies in Tucson.
Find Cheaper Auto Insurance for Single Moms
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $811 |
| 2 | Auto-Owners | $888 |
| 3 | Safeco | $905 |
| 4 | USAA | $1,080 |
| 5 | Travelers | $1,108 |
| 6 | Progressive | $1,130 |
| 7 | GEICO | $1,177 |
| 8 | CSAA | $1,177 |
| 9 | Ameriprise Group | $1,220 |
| 10 | Allied | $1,233 |
| 11 | Farm Bureau Mutual | $1,297 |
| 12 | State Farm | $1,323 |
| 13 | Safe Auto | $1,336 |
| 14 | Unitrin | $1,357 |
| 15 | Farmers | $1,378 |
| 16 | Titan | $1,433 |
| 17 | Amica | $1,443 |
| 18 | American Family | $1,478 |
| 19 | MetLife | $1,551 |
| 20 | California Casualty | $1,568 |
| Find Your Rate Go | ||
The Hartford offers some of the lowest car insurance rates in Tucson at around $811 each year. Auto-Owners, Safeco, USAA, and Travelers also qualify as some of the more affordable Tucson, AZ insurance companies.
As shown above, if you buy coverage from Auto-Owners and switched to The Hartford, you might achieve an annual premium reduction of upwards of $77. Policyholders with Safeco could save as much as $94 a year, and USAA insureds might cut rates by $269 a year.
Bear in mind that those policy rates are averages for all ages of drivers and types of vehicles and are not factoring in an exact vehicle garaging location for single moms. So the insurer that has the cheapest rates for you may not even be in the top 28 companies in the list above. That helps illustrate why you need to quote rates from many companies using your own personal information and vehicle type.
Difference between liability only and full coverage rates
Saving money on car insurance is probably important to the majority of drivers, and an easy way to pay lower rates for insurance for single moms is to only pay for liability coverage. The chart below visualizes the comparison of car insurance rates with full coverage compared to only the Arizona minimum liability coverage. The premium estimates are based on a clean driving record, no claims, $500 deductibles, drivers are not married, and no discounts are factored in.
If averaged for all ages, comprehensive and collision coverage on your policy costs an extra $1,551 per year over and above liability coverage. That is a big expense that brings up the question if paying for full coverage is a waste of money. There is no definitive formula of when to stop paying for full coverage, but there is a general guideline. If the annual cost of having full coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.
There are some situations where dropping full coverage is not a good plan. If you haven’t paid off your loan, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not consider dropping full coverage.
Get discounts on Tucson auto insurance rates
Insurance companies that sell policies for single moms may have rate discounts that can reduce rates by as much as 25% or more if you meet eligibility requirements. Popular car insurance companies and a partial list of their discounts are outlined below.
- GEICO discounts include multi-vehicle, air bags, driver training, anti-lock brakes, and multi-policy.
- Mercury Insurance includes discounts for good student, ease of repair, location of vehicle, anti-theft, and type of vehicle.
- Farmers Insurance has discounts for pay in full, homeowner, multi-car, business and professional, and teen driver.
- Auto-Owners Insurance offers discounts including safe driver, student away at school, teen driver, paperless, company car, and air bags.
- Liberty Mutual may include discounts for new vehicle discount, newly retired, preferred payment discount, multi-policy, safety features, teen driver discount, and newly married.
- SAFECO offers discounts for teen safety rewards, anti-lock brakes, bundle discounts, anti-theft, homeowner, and accident prevention training.
- Progressive offers premium reductions for multi-policy, online signing, online quote discount, continuous coverage, homeowner, and multi-vehicle.
- USAA policyholders can earn discounts including loyalty savings, defensive driver, family discount, annual mileage, multi-vehicle, and multi-policy.
The illustration below shows the difference between annual premium costs with and without discounts applied to the premium. The data assumes a male driver, no claims, a clean driving record, 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 lower bar shows the rates with claim-free, defensive driving course, multiple vehicle, accident-free, anti-theft, and marriage discounts applied. When taking advantage of discounts, the average amount saved each year on car insurance for single moms is 28% or $650.
Why you are probably overpaying for car insurance
Arizona car insurance rates are impacted by many things which can substantially decrease or increase the cost of a policy. Turning one year older, marrying your spouse, or getting a couple of tickets can trigger rate changes that may make certain companies cheaper than competitors. Also, companies change premium rates every year in order to protect their financial rating. Higher than usual claims can cause higher rates, while a better claims history can cause more affordable Tucson car insurance rates.
To help illustrate this point, the chart below shows the companies that have the cheapest car insurance in Tucson, AZ for a 45-year-old male driver with a clear driving record, no claims, and solid credit. Based on his personal profile, The Hartford might quote the best car insurance rates in Tucson at $1,039 each year. This is $389 less than the average price paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA round out the rest of the best Tucson, AZ auto insurance companies.
Now we will pretend the driver in the first chart a chargeable accident, a lower credit rating, and a few traffic violations. Because each company has their own formula for filing rates in each state, analyzing rate quotes could result in a new list of the cheapest companies as shown below.
GEICO now has the cheapest rate in Tucson, AZ with CSAA, Ameriprise Group, Allied, and Auto-Owners also being competitive. This example shows why consumers need to compare rates to find the most economical insurance quotes for single moms.
Prices can be altered by many things and change dramatically, so the lowest-price company the last time you shopped your coverage around may now be quite expensive.