Wouldn’t it be nice if we could just give you the name of the one company that has the cheapest rates for single moms? It’s just not that simple, as there are a whole slew of unknown aspects like what coverage limits you need, your credit score, and whether you are male or female, that help determine the price you have to pay. The content below covers some of these topics and educate you enough to have a solid foundation to find cheaper car insurance in Irvine.
Deciphering which companies offer the lowest-priced insurance rates for single moms will involve more time in order to find the lowest price quote. Every auto insurer uses their own formula to set policy rates, so let’s take a look at the insurance companies that tend to have lower prices in Irvine.
It’s important that you understand California insurance rates are based on many factors that control your annual premium. Simply improving your credit, moving to a new city, or getting a ticket for running a stop sign can trigger rate changes that can now make some companies more affordable than others.
Best Insurance Companies for Single Moms
USAA has some of the most affordable car insurance rates in Irvine at around $1,109 each year. This is $542 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also some of the cheapest Irvine, CA car insurance companies.
As the rates illustrate above, if you currently have a policy with Century National and switched to USAA, you could realize an annual savings of upwards of $81. Policyholders with CSAA might save as much as $113 a year, and Nationwide insureds might cut rates by $117 a year.
It’s important to note that these policy prices are averaged across all drivers and vehicles and do not factor in a specific zip code for single moms. So the insurer that can offer you the lowest price may not even be in the top 24 companies shown above. That helps illustrate why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.
The car, truck, or SUV needing coverage is one of the primary factors when shopping for affordable auto insurance for single moms. Vehicles with lower performance, a plethora of safety features, or a track record of few liability claims will cost less to insure than fast, unsafe models.
The data below showcases car insurance rates for a handful of the most cost-effective automobiles to buy insurance for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $911 |
| Chevrolet Malibu LS | $981 |
| Toyota RAV4 4WD | $989 |
| Chevrolet Impala LT | $981 |
| Ford Escape XLT 2WD | $1,016 |
| Honda CR-V EX-L 2WD | $1,039 |
| Chevrolet Equinox LTZ 2WD | $1,049 |
| Jeep Grand Cherokee SRT-8 4WD | $1,059 |
| Dodge Grand Caravan CV | $1,062 |
| Ford Focus SE 2-Dr Coupe | $1,101 |
| Honda Civic DX 4-Dr Sedan | $1,109 |
| Honda Odyssey LX | $1,115 |
| Toyota Camry Hybrid | $1,120 |
| Toyota Camry Hybrid | $1,125 |
| Toyota Prius | $1,128 |
| Dodge Ram Crew Cab SLT 4WD | $1,138 |
| Dodge Ram 2500 Crew Cab SLT 4WD | $1,144 |
| Ford F-150 Lariat Super Cab 4WD | $1,142 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $1,149 |
| Ford Explorer Eddie Bauer 4WD | $1,142 |
| Nissan Altima 3.5 SR 2-Dr Coupe | $1,171 |
| GMC Sierra 2500HD SLE Crew Cab 2WD | $1,178 |
| Toyota Corolla S | $1,179 |
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Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Price estimates do not factor in specific garaging location which can alter coverage prices greatly.
By looking at the data, we can presume that models like the Jeep Wrangler, Chevrolet Malibu, Toyota RAV4, Chevrolet Impala, and Ford Escape are most likely to be a few of the most affordable vehicles to insure for single parents.
For single parents, one of the big considerations that are looked at to determine the price you pay for insurance is where you keep your vehicle in Irvine. Areas with more people or higher crime rates tend to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates have the gratification of cheaper auto insurance rates.
The table below ranks the highest-priced areas in California for single moms to buy auto insurance in. Irvine makes the list at #25 with the annual price of $1,343 for coverage, which is around $112 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Los Angeles | $2,104 |
| 2 | Glendale | $2,058 |
| 3 | Sacramento | $1,720 |
| 4 | San Francisco | $1,693 |
| 5 | Oakland | $1,687 |
| 6 | Fontana | $1,581 |
| 7 | San Bernardino | $1,580 |
| 8 | Long Beach | $1,578 |
| 9 | Garden Grove | $1,554 |
| 10 | Moreno Valley | $1,551 |
| 11 | Riverside | $1,542 |
| 12 | Stockton | $1,541 |
| 13 | Santa Clarita | $1,533 |
| 14 | Modesto | $1,532 |
| 15 | Fresno | $1,502 |
| 16 | Anaheim | $1,488 |
| 17 | Santa Ana | $1,483 |
| 18 | San Jose | $1,423 |
| 19 | Huntington Beach | $1,416 |
| 20 | Bakersfield | $1,394 |
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Price information shown is comparative as the specific area where the vehicle is garaged can modify prices greatly.
Discounts on Irvine auto insurance
Auto insurance companies that offer quotes for single moms may also give you premium discounts that may potentially lower prices by 35% or more if you are eligible to receive them. A list of companies and some of the premium reductions they offer are:
- Mercury Insurance has savings for annual mileage, age of vehicle, type of vehicle, good driver, multi-car, and accident-free.
- Farmers Insurance offers discounts including youthful driver, mature driver, homeowner, teen driver, bundle discounts, electronic funds transfer, and switch companies.
- Farm Bureau may offer discounts for 55 and retired, safe driver, driver training, renewal discount, multi-vehicle, good student, and youthful driver.
- State Farm policyholders can earn discounts including defensive driving training, driver’s education, good driver, accident-free, safe vehicle, and multiple autos.
- Allstate may include discounts for anti-theft, farm vehicle, premier discount, new car, multi-policy, EZ pay plan discount, and 55 and retired.
- GEICO offers discounts for defensive driver, daytime running lights, anti-lock brakes, multi-policy, good student, and military active duty.
The chart below compares insurance rates with and without some available policy discounts. The price estimates are based on a male driver, no violations or accidents, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with passive restraint, anti-theft, vehicle safety, claim-free, defensive driving course, and multiple policy discounts applied. With discounts applied, the average savings per year on insurance for single moms is 28% or $695.
Do you need full coverage?
Reducing premiums for insurance is important to most people, and one way to pay less for insurance for single moms is to only buy liability insurance. The example below shows the difference between annual premium costs with and without physical damage coverage. The information is based on no claims or driving citations, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.
If we average the cost for ages 20 through 70, physical damage coverage costs an extra $1,849 per year more than buying just liability insurance. That touches on the question when is the right time to remove full coverage. There is no clear-cut rule of when to exclude full coverage, but there is a guideline you can consider. If the annual cost of coverage is more than about 10% of replacement cost minus your deductible, then you might want to think about dropping full coverage.
The importance of comparing Irvine car insurance rates
California insurance rates are based on many factors that will increase or decrease the cost of a policy. Simply getting older, getting married, or getting a few speeding tickets can cause premium changes that can cause some rates to be cheaper in comparison to the competition. Not only may your situation change, but insurers change the rates they charge in California at least once a year to adjust for unexpected claims or profits. Significantly higher losses may cause higher priced premiums, while profitable underwriting may produce lower-cost Irvine car insurance rates.
To help illustrate this point, the bar chart below shows the companies that have the cheapest car insurance in Irvine, CA for a 35-year-old male driver with no violations or accidents, and solid credit. If we estimate rates based on his current risk profile, USAA offers the lowest car insurance rates in Irvine at $1,146 each year. This is $505 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also on the list of the cheapest Irvine, CA auto insurance companies.
Now we will pretend the driver in the first example a couple of claims, bad credit, and an imperfect driving record. Since every insurance provider has a proprietary formula for filing rates in each state, comparing quotes may now present a new list of affordable Irvine car insurance companies as shown below.
Grange now has the cheapest car insurance in Irvine, CA with Mercury, Progressive, Allstate, and GEICO completing the list. This example proves why it is so important to compare as many rates as possible when trying to get the most economical insurance rates for single moms. Insurance rates can be altered by many different factors and change dramatically, so the cheapest rate six months ago may now be wasting a lot of money.
The professional agents shown below are willing to help you make a decision which car insurance policy is best, as some drivers aren’t sure which coverage they need and prefer to have some professional guidance when comparing insurance rates for single parents. It can be difficult to find the best coverage on your own, so getting professional guidance from a licensed agent can provide comfort knowing your coverage gives you sufficient coverage at claim time. To locate an Irvine car insurance agency closest to you, click the button at the bottom of the list.
- Morning Star Agency Insurance Services Incorporated
1340 Reynolds Ave #103 – Irvine, CA 92614 – (949) 833-2030 - Farmers Insurance – Charmaine Lim
20 Pacifica #1450 – Irvine, CA 92618 – (949) 387-9999 - Gardner Insurance Orange County
4952 Warner Ave – Huntington Beach, CA 92649 – (714) 846-4231 - Wells Fargo Insurance Services: Harper James
2030 Main St #700 – Irvine, CA 92614 – (949) 358-6100 - Rebecca Higgs – State Farm Insurance Agent
5410 Trabuco Rd #100 – Irvine, CA 92620 – (949) 726-9015
Find an Irvine, CA insurance agent near you
How to find low-cost insurance for single moms
The list below summarizes many money-saving solutions that can help Irvine drivers buy lower-cost coverage.
- Drive safe vehicles
- Bundle home and auto and save
- Avoid at-fault accidents and claims
- Older vehicles may not need full coverage
- Improve your credit score
- Check for cheaper rates once a year
The last suggestion is especially necessary, as was affirmed in this write-up. Auto insurance rates in Irvine fluctuate constantly, so don’t be hesitant to switch carriers if a cheaper rate is available. We understand brand loyalty, but it’s not recommended if that devotion results in you overpaying a small fortune year after year. It only takes a couple minutes to shop around and find cheaper car insurance for single moms.