Best Cheap Auto Insurance for Single Moms in North Carolina

The make and model of vehicle you are trying to insure is probably the biggest factor when shopping around for low-priced insurance for single moms. Vehicles with economical engines, excellent safety ratings, or low incidents of liability claims will cost less to insure than high performance models.

The table below illustrates coverage rates for a number of the most budget-friendly automobiles to insure.

Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Rate quotes do not factor in North Carolina location which can lower or raise coverage prices substantially.

Looking at the numbers, you can presume that cars like the Ford Escape, Ford F-150, and Honda CR-V are going to be a few of the cheaper vehicles to insure for single parents.

Determining which company quotes the cheapest insurance rates for single moms will involve more work in order to find the best price. Every insurance provider uses a little different formula for setting prices, so we will examine the most affordable insurance companies in North Carolina.

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Utica National quotes some of the lowest car insurance rates in North Carolina at around $655 per year. Progressive, Liberty Mutual, NC Farm Bureau, and GEICO are also some of the more affordable North Carolina auto insurance companies.

As shown in the rates above, if you are currently insured with GEICO and switched to Progressive, you could see an annual premium reduction of in the vicinity of $70. Insureds with Titan may save as much as $71 a year, and Penn National customers might reduce prices by as much as $81 a year.

If you want to find out if you’re overpaying, click here to start your custom quote or quote prices from the following companies.

Be aware that those prices are averages across all ages of drivers and types of vehicles and and are not calculated with a rate discount for single moms. So the car insurance company that is most affordable for your situation may not even be featured in the rate chart shown above. That helps illustrate why you need to compare as many prices as possible using your own specific driver and vehicle information.

When buying insurance for single parents, one of the key considerations that insurance companies use to calculate the price of your policy is where you keep your vehicle. Areas that are more densely populated or have higher claim rates like Fayetteville, Charlotte, and Gastonia tend to have higher auto insurance costs, whereas areas with less traffic congestion and claims tend to receive slightly lower rates.

The next table sorts the higher priced cities in North Carolina for single moms to buy an auto insurance policy in.

Information shown are comparative as the specific geographic location can change coverage prices greatly.

Discount North Carolina insurance rates

Auto insurance companies that offer the best cheap auto insurance for single moms in North Carolina may also give you discounts that could reduce prices by as much as 35% if you meet specific eligibility requirements. Large insurance companies and some of the premium reductions they offer are outlined below.

• State Farm may have discounts that include good student, driver’s education, student away at school, passive restraint, Drive Safe & Save, multiple policy, and defensive driving training.
• Liberty Mutual has discounts for newly married, multi-car, multi-policy, exclusive group savings, and teen driver discount.
• American Family policyholders can earn discounts including mySafetyValet, multi-vehicle, Steer into Savings, TimeAway discount, good student, accident-free, and air bags.
• Progressive offers discounts including online signing, multi-policy, online quote discount, homeowner, continuous coverage, and good student.
• Farmers Insurance includes discounts for switch companies, alternative fuel, pay in full, distant student, early shopping, multi-car, and youthful driver.
• Auto-Owners Insurance has savings for multiple vehicles, good student, air bags, anti-lock brakes, paperless, and safe vehicle.
• SAFECO discounts include safe driver, anti-lock brakes, multi-car, bundle discounts, homeowner, anti-theft, and accident prevention training.

The chart below illustrates the comparison of car insurance costs with and without discounts applied. The information is based on a female driver, a clean driving record, no claims, North Carolina state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with accident-free, vehicle safety, homeowner, marriage, defensive driving course, and multiple vehicle discounts applied. When discounts are factored in, the the amount saved on insurance for single moms is 28% or $416.

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Geico, Progressive, Allstate, or State Farm: Who is cheapest?

When comparing car insurance for single parents in North Carolina, some of the largest companies to start with are Geico, Progressive, Allstate, and State Farm. The next table compares ratings for price, service, and claims, in additional to some of the optional coverages that are available from each company.