How Much Does Car Insurance Cost for Single Moms in Texas?

Comparing quotes for reasonably-priced car insurance is easier said than done, and finding out which company offers the cheapest auto insurance rates for single moms may require even more perseverance. Every insurance company has a proprietary formula for establishing rates, so let’s begin by taking a look at the auto insurance companies that tend to have lower prices in Texas.

We do need to point out that Texas auto insurance rates are based on many factors that may substantially change the cost of a policy. Getting older, buying a new vehicle, or getting a ticket for running a stop sign may cause policy rate changes that can now make some companies more affordable than competitors.

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Travelers quotes some of the best car insurance rates in Texas at around $1,010 a year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also some of the more affordable Texas insurance companies.

As shown in the table above, if you are a customer of USAA and switched to Travelers, you could earn a yearly price reduction of in the neighborhood of $107. Insureds with Texas Farm Bureau might save as much as $225 a year, and Germania Mutual insureds might realize rate reductions of up to $234 a year.

Understand that those premiums are averages for all types of insureds and vehicles and do not take into consideration a price discount for single moms. So the insurer that fits your situation best may not even be included in the chart above. That illustrates why you need to compare prices as often as possible using your own personal information and vehicle type.

One of the key things used to establish the price of your policy is your zip code in Texas. Areas with more people or more claims like McAllen, Brownsville, and Laredo tend to pay slightly more, whereas less populated areas have the benefit of cheaper auto insurance prices.

The table below sorts the highest-priced areas in Texas for single moms to purchase car insurance in.

Rates are comparative as vehicle location can decrease or increase price quotes significantly.

The vehicle you are seeking coverage for is a significant factor when trying to find the most affordable coverage for single moms. Vehicles with high performance, poor crash test ratings, or an increased likelihood of liability claims will cost substantially more to insure than more economical and safe models. The table below illustrates insurance premiums for a selection of the cheaper vehicles to insure.

Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Prices do not factor in specific zip code location which can decrease or increase coverage prices considerably.

Based upon the table data, you can infer that vehicles like the Dodge Grand Caravan, Subaru Forester, Ford Escape, Honda Odyssey, and Hyundai Santa Fe are most likely to be some of the most economical vehicles to insure for single parents.

Finding the highest-rated car insurance company is difficult considering how many companies there are in Texas. The company ratings in the next section may help you analyze which auto insurance companies to look at when trying to find cheaper insurance for single moms. These rankings are only made up of large nationwide companies, so companies without a large exposure are not included in these rankings.

How to get discounts on Texas auto insurance rates

Car insurance companies that sell cheap auto insurance for single moms in Texas may also provide special discounts that can lower rates by as much as 35% if you meet certain criteria. A list of auto insurance companies and some of the discounts are detailed below.

• Farm Bureau has savings for safe driver, multi-vehicle, youthful driver, good student, multi-policy, and renewal discount.
• MetLife policyholders can earn discounts including accident-free, multi-policy, defensive driver, good student, good driver, claim-free
• Progressive may have discounts that include multi-vehicle, multi-policy, online quote discount, homeowner, and continuous coverage.
• AAA offers discounts including multi-car, education and occupation, anti-theft, good driver, and AAA membership discount.
• American Family discounts include mySafetyValet, Steer into Savings, air bags, TimeAway discount, bundled insurance, and accident-free.
• GEICO includes discounts for driver training, defensive driver, military active duty, anti-theft, multi-policy, and anti-lock brakes.
• State Farm offers premium reductions for driver’s education, student away at school, good student, good driver, anti-theft, and passive restraint.

The diagram below shows the difference between premium costs with and without policy discounts. The rate quotes are based on a male driver, no accidents, no driving violations, Texas state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with multiple vehicle, accident-free, anti-theft, multiple policy, defensive driving course, and claim-free discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on auto insurance for single moms is 28% or $756.

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How to get cheap auto insurance for single moms in Texas

Here are some money-saving ideas that can help drivers buy lower-cost car insurance.

• Buying your home and auto policies from the same company can earn a discount
• Higher credit scores may earn you cheaper rates
• Try to pay small claims out-of-pocket
• Increase your policy deductibles
• Choose a safer vehicle and pay lower rates
• Do not waste money insuring older vehicles for full coverage
• Shop around for lower rates once a year

The last suggestion is particularly vital, as we emphasized in this write-up. Prices charged by companies can change in a short period of time, so don’t hesitate to change to a new company if you can find a cheaper rate. We understand brand loyalty, but is isn’t recommended if that devotedness results in you overpaying thousands of dollars over the life of your policy. Spend a few minutes and shop around to find cheaper car insurance for single moms.