The vehicle model driven is a large factor that determines whether or not you find cheap car insurance for single moms. Vehicles with economical engines, a plethora of safety features, or a low likelihood of having liability claims will cost quite a bit less to insure than high performance models.
The list below features coverage premiums for the cheaper vehicles to insure in Washington.
|Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V EX-L 4WD||$1,624|
|Ford F-150 XLT Super Cab 2WD||$1,781|
|Ford Escape XLT 2WD||$1,818|
|Volkswagen Jetta S 4-Dr Sedan||$1,878|
|Chevrolet Malibu LS||$1,887|
|Toyota RAV4 Sport 4WD||$1,878|
|Dodge Ram 3500 Crew Cab Laramie 2WD||$1,915|
|Ford Edge Sport 2WD||$1,975|
|Honda Odyssey EX-L W/Navigation||$1,984|
|Toyota Corolla XLE||$1,975|
|Chevrolet Silverado LT Regular Cab||$2,012|
|GMC Sierra 2500HD SLT Crew Cab 4WD||$2,110|
|Honda Accord EX 2-Dr Coupe||$2,115|
|Dodge Grand Caravan Hero||$2,150|
|Ford Explorer XLT AWD||$2,181|
|Jeep Wrangler Rubicon 4WD 2-Dr||$2,187|
|Get a Custom Quote Go|
Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Table data does not factor in specific location information which can decrease or increase coverage rates considerably.
Based upon the table data, we can assume that cars like the Honda CR-V, Toyota Prius, and Ford F-150 are likely to be some of the most economical vehicles to insure for single parents.
Deciphering which company has the most affordable insurance rates for single moms will require more time in order to find the lowest price.
Every auto insurer uses different criteria to set policy rates, so let’s take a look at the overall cheapest insurance companies in Seattle, WA. It’s important to understand that Washington insurance rates are calculated based on many things that can increase the cost of coverage. Turning one year older, moving to a different location, or getting a ticket for running a stop sign can trigger price changes resulting in some rates now being more affordable than the competition.
Best Cheap Insurance Rates for Single Moms
Capital generally has some of the best car insurance rates in Seattle at around $784 annually. Grange, Nationwide, PEMCO, and Travelers are also some of the best Seattle, WA auto insurance companies.
As illustrated above, if you are insured with PEMCO and switched to Capital, you could see a yearly price reduction of around $220. Washington drivers with Travelers may save as much as $224 a year, and Mutual Enumclaw policyholders might realize rate reductions of up to $250 a year.
Be aware that those rates are averages across all types of insureds and vehicles and are not factoring in a specific vehicle garaging location for single moms. So the car insurance company that fits your situation best may not even be in the list above. That illustrates why you need to get rate quotes from many companies using your own individual information.
How accidents and tickets impact rates in Seattle
In a perfect world, the ideal way to score good insurance prices in Seattle for single parents is to be a careful driver and avoid accidents and traffic violations. The example below highlights how speeding tickets and at-fault fender-benders can raise insurance premiums for each different age category. The premiums are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.
In the previous example, the average cost of an auto insurance policy in Washington per year with no accidents or violations is $1,187. Get written up for two speeding tickets and the average cost surges to $1,578, an increase of $390 each year. Now add one accident along with the two speeding tickets and the 12-month cost of insurance for single moms goes up to an average of $1,974. That’s an increase of $787, or $66 per month, just for not paying attention while driving!
The diagram below illustrates how your choice of deductibles can change insurance costs when researching cheap insurance for single moms. The information is based on a married female driver, comp and collision included, and no discounts are taken into consideration.
In the chart above, a 50-year-old driver could lower their car insurance rates by $272 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $410 by selecting a $1,000 deductible. Even younger drivers, like the age 20 example, could drop their prices as much as $672 every year by using a higher deductible.
When increasing deductibles, it will be important to have additional funds in a savings account to be able to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
How to find more affordable insurance for single moms
The list below details some of the recommended penny-pinching solutions that can help Seattle drivers locate low-cost coverage.
- Vehicles with safetly features generally cost less to insure
- Earn a discount by not filing claims
- Higher credit scores may earn you cheaper rates
- Maintain a safe distance and avoid accidents
- Keep your driving record clean
- Compare rates once a year for cheaper prices
The last tip is incredibly valuable, as we pointed out in this write-up. Prices in Seattle fluctuate constantly, so don’t be unwilling to switch companies if you can save money.
Having a favorite company is great, but it’s not recommended if that dedication is costing a wad of cash every year. Now is a great time to compare rates to find cheaper auto insurance for single moms.
If you wish to get some professional advice when trying to find lower insurance rates for single moms, the agents listed below are willing to help you decide which policy is best. To locate a Seattle insurance agent closest to you, click the link at the bottom or click here to compare prices now.
- Olivia Crelencia – State Farm Insurance Agent
502 Rainier Ave S Ste 102 – Seattle, WA 98144 – (206) 725-2424
- Dave Newman – State Farm Insurance Agent
3435 California Ave SW – Seattle, WA 98116 – (206) 932-1878
- Allstate Insurance: Jeremy Olson
7 Denny Way – Seattle, WA 98109 – (206) 956-0580
- Propel Insurance: Marinkovich Stephen
925 4th Ave #3200 – Seattle, WA 98104 – (206) 676-4216
- AAA Washington Insurance Agency – Seattle
320 NE 97th St c – Seattle, WA 98115 – (206) 529-2700