Auto Insurance Assistance for Single Moms

Auto insurance assistance for single moms can be hard to come by. While there are no specific discounts on car insurance for single mothers, look into teen-specific discounts to help lower your rates if you have a teen driver. Also, consider bundling your home and auto policies to save more. If you live in California, New Jersey, or Hawaii, you could qualify for low-income government auto insurance.

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Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jan 26, 2021

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A Concise Overview

  • Car insurance for single mothers can often be more expensive than for married mothers.
  • If your child is a teen driver, you could pay even higher rates.
  • Look for teen driver discounts to help offset higher rates when adding a teen driver to your policy.

If you’re a single mom trying to make ends meet, you’re probably wondering if there is auto insurance assistance for single moms.

Regardless of your station in life, when shopping for car insurance, it’s important to know the different types of auto insurance coverage and what discounts are available to help lower your rates.

Unfortunately, because of the way that risk is measured when determining insurance rates, single mothers often pay more for car insurance than married mothers. On average, car insurance for single moms costs almost $130 more per year than for married couples.

This is because historical data suggests that married couples are more likely to share driving responsibilities, drive less, and file fewer claims. This higher risk leads to higher rates for car insurance for single mothers.

But don’t worry. In this article, we’ll be going over all the ways you can save on car insurance for single moms.

But before we begin, enter your ZIP code into our free comparison tool above to find affordable car insurance quotes for single moms near you.

How do you save on car insurance for single mothers?

Unfortunately, we couldn’t find any specific car insurance discounts for single mothers. But we do have some tips on how to save and make your rates more affordable.

The first thing to keep in mind is that on average, women pay less in car insurance than men. So as a single mother, your car insurance rates will tend to be lower than for single fathers.

You should also look into bundling your insurance policies under one company. Bundling your home and auto policies can lead to massive savings which can really help lower car insurance for single moms.

But the best way to save on car insurance for single moms is to find teen-specific car insurance discounts.

One way to save is to have your teen take a defensive driving course. Many companies will offer you discounts on your car insurance if your teen is perceived as being a less risky driver, and a defensive driving course helps do just that.

Many companies also offer good student discounts. If your teen driver is doing well in school and has a 3.0 GPA or higher, you could be eligible for the good student discount.

With both a defensive driving and good student discount combined, you could save several hundred dollars a year on car insurance for single moms.

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Is there any auto insurance assistance for single moms?

There are no specific car insurance discounts for single moms, but if you live in New Jersey, California, or Hawaii, there is car insurance assistance for single moms.

In these three states, single mothers can enroll in government car insurance programs for low-income families which can help drastically reduce your rates.

In New Jersey, you can obtain a government auto insurance policy at the cost of only $365 a year or a dollar a day if you qualify.

Now that you know how to save on car insurance for single mothers, start looking for affordable car insurance rates for single moms today.

Don’t buy auto insurance as a single mom before you shop around. There are no auto insurance companies for single moms but you can find great rates and discounts with a little research.

Just enter your ZIP code into our free comparison tool below to find car insurance assistance for single moms near you.

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