Who Has Cheap Car Insurance Quotes for Single Moms in Maryland?

For Maryland drivers, one of the components that help determine the annual cost of car insurance is your zip code. Areas with more people or even just a higher incidence of claims like Baltimore, Towson, and Aspen Hill will most likely pay more, whereas areas with less people or fewer weather incidents have the luxury of cheap car insurance for single moms in Maryland.

The table below ranks the priciest cities in Maryland for single moms to buy auto insurance in.

Annual rates are approximated as the specific Maryland residence address can alter prices greatly.

The vehicle model that needs insurance is one of the primary factors when looking for the lowest-priced car insurance for single moms. Vehicles with more horsepower, poor passenger safety features, or a high likelihood of having liability claims will cost significantly more to insure than more economical and safe models. The information below ranks auto insurance rates for some of the most economical vehicles to insure.

Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Maryland minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Rate quotes do not factor in specific location which can influence rates greatly.

Looking at the numbers, you can presume that models like the Subaru Forester, Hyundai Tucson, and Ford Escape are most likely to be the cheapest vehicles to insure for single parents.

Comparing quotes for reasonably-priced car insurance is not easy, and deciding which companies offer the cheapest auto insurance rates for single moms may require even more work. Each insurance company has a different process for determining rates, so let’s begin by taking a look at the auto insurance companies that tend to have lower prices in Maryland.

Find the Best Cheap Insurance for Single Moms

Compare Rates Today

USAA generally has some of the most affordable car insurance rates in Maryland at around $930 annually. Liberty Mutual, Erie, Penn National, and State Auto are also some of the best Maryland auto insurance companies.

In the rate table above, if you currently buy coverage from Penn National and switched to Liberty Mutual, you might achieve a yearly price reduction of in the vicinity of $45. Customers with State Auto may save as much as $133 a year, and Amica insureds might lower prices by $227 a year.

To see if your current coverage is too expensive, click here to start your free quote or quote prices from the following companies.

It’s important to note that these policy rates are averaged for all ages of drivers and types of vehicles and do not factor in a rate decrease for single moms. So the company that fits your situation best may not even be in the above rate chart. That affirms the importance of why you need to compare rates from as many companies as possible using your own personalized driver profile and vehicle information.

Tickets and at-fault accidents raise rates

In a perfect world, the ideal way to get the best auto insurance prices in Maryland for single parents is to be a cautious driver and not receive tickets or have accidents. The diagram below highlights how speeding tickets and at-fault accidents can impact insurance costs for different age groups. The rate quotes are based on a married female driver, comp and collision included, $500 deductibles, and no discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 2849,3685,4533],[‘Age 30’, 1977,2811,3659],[‘Age 40’, 1961,2799,3643],[‘Age 50’, 1725,2561,3407],[‘Age 60’, 1641,2477,3323],[‘Age 70’, 1775,2611,3457]]);var options = {title: ‘Effect of Tickets and Accidents on Maryland Auto Insurance Rates’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Maryland’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the previous chart, the average cost of a car insurance policy in Maryland per year with no accidents or violations is $1,988. Get written up for two speeding tickets and the average cost swells to $2,824, an increase of $836 each year. Now get one accident along with the two speeding tickets and the 12-month cost of auto insurance for single moms increases to an average of $3,670. That’s an increase of $1,682, or $140 per month, just for not driving responsibly!

Discounts on cheap car insurance for single moms in Maryland

Auto insurance companies that sell policies for single moms may have discounts that could potentially reduce rates by as much as 40% or more if you meet the requirements. A few of the larger companies and the discounts they provide are shown below.

• American Family offers discounts for good student, accident-free, air bags, Steer into Savings, bundled insurance, multi-vehicle, and defensive driver.
• Nationwide has savings for defensive driving, accident-free, anti-theft, Farm Bureau membership, and multi-policy.
• MetLife may have discounts that include accident-free, claim-free, multi-policy, defensive driver, good student, good driver
• 21st Century has discounts for teen driver, good student, automatic seat belts, theft prevention, 55 and older, and early bird.
• Farmers Insurance may offer discounts for alternative fuel, homeowner, teen driver, youthful driver, pay in full, early shopping, and bundle discounts.
• Allstate may include discounts for anti-theft, farm vehicle, auto/life discount, good student, 55 and retired, anti-lock brakes, and premier discount.

The example below shows the comparison of yearly insurance costs with and without discounts applied to the rates. The premium estimates are based on a female driver, no claims or driving violations, Maryland 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 second shows the rates with vehicle safety, safe-driver, multiple policy, claim-free, marriage, and passive restraint discounts applied. When these discounts are applied, the the average amount saved on auto insurance for single moms is 28% or $505.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2697,1939],[‘Age 30’, 1845,1337],[‘Age 40’, 1719,1243],[‘Age 50’, 1505,1091],[‘Age 60’, 1455,1053],[‘Age 70’, 1701,1229]]);var options = {title: ‘Insurance Premium Comparison for Single Moms’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Maryland’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Cheapest insurance quotes for single parents

Drivers have a lot of different ways to find affordable auto insurance in Maryland, but the most frequently used ways are through a non-exclusive or independent agent, an exlusive agent such as State Farm or Auto-Owners, or direct from companies such as Progressive or Geico. They all have the same end result, but buyers need to know the differences in how they price policies.

Independent agencies work with multiple companies and can get rate quotes from every one. These types of agents are not restricted to one company and can compare multiple rates, which may give you a better overall rate comparison. If they quote lower rates, your agent can just switch to a different company and that require little work on your part.

Exclusive agencies are only able to give rates for a single insurance company, two examples being State Farm and Allstate agents. Exclusive agents cannot provide other companys’ prices, so drivers will want to get other quotes as well.

Choosing to buy auto insurance direct means you do not use an exlusive or independent agent and instead buy direct online or over the phone from a company like Esurance or Progressive. Buying auto insurance direct is a good choice for consumers who do not need complex risk management and know more than average about what coverage options they need.

Which way is best to find cheap car insurance for single moms in Maryland? Most drivers assume that shopping direct results in the cheapest price since there is no need to pay agent commissions, but unfortunately, that is not always true. We could also say that an independent agent results in the best rates due to increased selection, but that assumption is also not necessarily accurate. In many cases, the exclusive agents have extremely competitive rates that independents and direct companies can’t touch.

Due to the fact that auto insurance rates vary so much, really the only way to not overpay for auto insurance is to get as many comparison quotes as possible. It’s recommended that drivers get rate quotes from all three to have a good selection of rates to choose from. For a list of companies offering online discounts in Maryland, click here to view.

How to find the cheapest auto insurance for single moms

It is possible to find better rates, and here are many thrifty solutions that can help Maryland drivers get more affordable auto insurance.

• Buy a safer vehicle
• Maintaining good credit helps earn cheaper rates
• Increase your physical damage deductibles
• Avoid at-fault accidents and claims
• Ensure your driving record is clean
• Ensure you have the best deal by shopping around regularly

The last idea is notably valuable, as was affirmed in this piece. Prices change constantly, so drivers shouldn’t hesitate to switch companies if you find a better deal. Staying with the same company for years is fine, but it’s not recommended if that loyalty results in overpaying money that could be spent on other things. In less than five minutes you could compare rates to find cheaper car insurance for single moms.