Who Has the Cheapest Car Insurance for Single Moms in Pennsylvania?

Figuring out which companies have the most affordable insurance rates for single moms involves a tad more effort than just picking a company at random.

Each auto insurer has a unique formula to set premium rates, so let’s take a look at the insurance companies with the most affordable rates in Pennsylvania. Keep in mind that Pennsylvania insurance rates are determined by lots of factors which can substantially change the price of your policy. Getting older, buying a home, or getting a few speeding tickets can trigger price changes that can make some companies more affordable than others.

Best Cheap Insurance Rates for Single Moms

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General Casualty offers some of the cheapest car insurance rates in Pennsylvania at around $726 annually. Travelers, Erie, USAA, and Penn National also make the cut as some of the cheapest Pennsylvania auto insurance companies.

As shown in the table above, if you are a policyholder with Travelers and switched to General Casualty, you could earn an annual premium reduction of upwards of $53. Policyholders with Erie could save as much as $66 a year, and USAA policyholders might lower prices by $67 a year.

If you want to find out if you’re overpaying, click here to get a free quote or visit any of the low-priced companies below.

These policy prices are averages for all insureds and vehicles and are not factoring in a rate discount for single moms. So the auto insurance company that is most affordable for your situation may not even be included in the list of companies shown earlier. That affirms the importance of why you need to get quotes using your own individual information.

The vehicle model requiring coverage is a large factor that determines the availablility of the most affordable insurance for single moms. Vehicles with higher performance, poor safety ratings, or a track record of large liability claims will cost significantly more to insure than more modest models. The information below presents insurance costs for a handful of the most affordable automobiles to insure in Pennsylvania.

Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Prices do not factor in your specific Pennsylvania location which can impact price quotes noticeably.

Based upon these rates, we can expect makes and models like the Honda CR-V, Dodge Grand Caravan, Toyota Tacoma, and Subaru Outback are likely to be a few of the more affordable vehicles to insure for single parents.

For single parents, one of the big criteria that auto insurance companies use to calculate the amount you pay each year for auto insurance is where you keep your vehicle in Pennsylvania. Urban areas that are densely populated like Philadelphia, Chester, and Norristown tend to pay slightly more, whereas areas with fewer weather claims and lower vehicle theft rates receive better rates.

The table below displays the priciest cities in Pennsylvania for single moms in which to purchase auto insurance.

Annual rates are approximated as the specific zip code location can raise or lower coverage prices greatly.

Selecting a highly-rated auto insurance company is difficult considering how many companies sell coverage in Pennsylvania. The rank data shown next can help you decide which insurers to look at comparing prices from.

The rankings below only include companies who write in the majority of U.S. states, so smaller companies are not factored into these rankings. To compare prices from these and other top-rated companies, follow this link.

Top 10 Large Auto Insurance Providers in Pennsylvania Ranked by Claims Service

1. Progressive
2. USAA
3. Liberty Mutual
4. State Farm
5. GEICO
6. Titan Insurance
7. Nationwide
8. Allstate
9. The General
10. 21st Century

Top 10 Large Auto Insurance Providers in Pennsylvania Ranked by A.M. Best Rating

1. USAA – A++
2. GEICO – A++
3. Travelers – A++
4. State Farm – A++
5. Allstate – A+
6. Nationwide – A+
7. Esurance – A+
8. Erie Insurance – A+
9. Progressive – A+
10. Titan Insurance – A+

The information below shows how choosing a deductible can influence premium costs when searching for cheap insurance for single moms. Data assumes a single male driver, comp and collision included, and no additional discounts are factored in.

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The data above shows that a 30-year-old driver could reduce rates by $304 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $460 by changing to a $1,000 deductible. Young drivers, like the Age 20 category, have the ability to save up to $888 or more just by using higher deductibles. If you make the decision to raise deductibles, it’s a good idea to have plenty of money set aside to enable you to pay the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

Is Allstate, Geico, State Farm, or Progressive cheaper?

When comparing rates for auto insurance for single parents in Pennsylvania, four of the best places to start are Allstate, Geico, State Farm, and Progressive. When added together, they make up over 45% of all auto insurance policies in force. The following table breaks down pricing and service ratings, as well as optional policy coverages that policyholders can buy.