Best Auto Insurance for Single Parents in 2025 (Your Guide to the Top 10 Companies)

Find the best auto insurance for single parents with Geico, State Farm, and Erie, as Erie offers rates starting at $48/mo. Geico is the top pick for low rates, State Farm is great for reliable service, and Erie is best for easy claims. These companies offer good coverage at fair prices.

We’ve compiled tips for finding the best car insurance for single parents because we know you want the best coverage at the lowest price but may not have the time or energy to hunt down all the relevant information.

Our Top 10 Company Picks: Best Auto Insurance for Single Parents

From balancing your finances, accommodating busy schedules, and never having enough hours in the day to get everything done, being a single parent can be very challenging. This guide will give you much-needed information on your options for cheap car insurance rates for single parents.

Do you need auto insurance quotes for single parents? Getting multiple quotes is the quickest and easiest way to find cheap car insurance for single mothers and fathers at a low cost. For affordable car insurance for single parents, enter your zip code into our free quote tool and compare cheap auto insurance for single mothers and fathers right now.

#1 – Geico: Top Overall Pick

Pros

• Affordable Rates: Geico has great rates for single parents, starting at just $53 for basic coverage.
• Easy Online Access: Geico makes managing your auto insurance online simple, so it’s easy for busy single parents.
• Quick Claims Process: Geico’s claims process is fast and simple, making it easy for busy single parents to get things done quickly. Want more info? Read our guide, “Geico Auto Insurance Review.”

Cons

• Limited Local Agent Access: There are fewer local agents, so single parents might find it harder to get personalized support when needed.
• Additional Fees: Some extra fees, like those for policy changes, could add up over time, which might be a hassle for single parents.

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#2 – State Farm: Best for Reliable Service

Pros

• Great Service: State Farm is super friendly and easy to talk to, which is awesome for single parents. Want to know more? Check out our “State Farm Auto Insurance Review.”
• Flexible Coverage Options: State Farm has a variety of coverage options, including roadside assistance and accident forgiveness, which can be really helpful for single parents.
• Good Prices: State Farm’s basic coverage starts at just $58 a month, making it a great option for single parents who want to save.

Cons

• Smaller Multi-Policy Discount: The discount for having more than one policy is not as big as with other companies, so single parents might not save as much.
• Higher Premiums: Some policies may have higher premiums depending on the coverage level, which could be a concern for single parents on a tight budget.

#3 – Erie: Best for Filing Claims

Pros

• Simple Claims Process: Erie makes filing claims quick and easy, which is great for single parents who need a fast solution. Learn further by checking our guide, “Erie Auto Insurance Review.”
• Affordable Pricing: With coverage starting at just $48, Erie offers affordable options for single parents.
• Flexible Payments: Erie lets you pay your premiums in smaller, more manageable installments, which helps single parents keep costs under control.

Cons

• Limited Availability: Erie isn’t available in every state, so some single parents might not be able to use it.
• Fewer Discounts: Erie has fewer discounts than some other insurance companies, so you might save less overall.

#4 – Allstate: Best for Discount Variety

Pros

• Lots of Discounts: Allstate gives many discounts, like for safe driving and bundling policies, which can help single parents save money.
• Competitive Pricing: With rates starting at $64 for minimum coverage, Allstate offers affordable options for single parents. To understand more, view our guide, “Allstate Insurance Review.”
• Lots of Coverage Options: Allstate offers many coverage choices, which is good for single parents who need more than basic protection.

Cons

• Mixed Customer Reviews: They have some mixed reviews from customers about with their claims. This could be a concern for single parents.
• Higher Costs: Allstate’s rates might be higher than other options, which could be tough for single parents trying to stick to a budget.

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#5 – Progressive: Best for Flexible Plans

Pros

• Great Rates: Progressive offers affordable plans, starting at just $61 for minimum coverage. Want more details? Check out our Progressive Auto Insurance Review.
• Flexible Coverage: You can adjust your plan to fit your needs, so you’re not paying for extras you don’t need—perfect for single parents looking for the right balance of protection and cost.
• Simple Tools: Progressive’s online tools make it easier for single parents to quickly manage their policy and find helpful resources.

Cons

• Higher Premiums: Single parents with special needs children might have to pay higher premiums, which can make insurance more expensive.
• Limited Agent Support: Progressive’s focus on online service might limit face-to-face support for single parents who prefer local agents.

#6 – USAA: Best for Military Families

Pros

• Exclusive Savings for Veterans: USAA offers special benefits for military families, making it a great choice for single parents with military ties.
• Excellent Customer Service: They have a friendly customer service team, which is a big support for single parents.. Want to learn more? Check out our guide, “USAA Insurance Review.”
• Budget-Friendly Coverage: With rates starting at just $43, USAA gives single parents solid protection without breaking the bank.

Cons

• Only for Military Families: USAA is only available to military families, so single parents without military ties can’t use it.
• Fewer Coverage Options: USAA might not offer as many coverage options as other companies, which could be a problem if you need something specific.

#7 – Nationwide: Best for Family Coverage

Pros

• Great for Families: Nationwide has coverage options that are good for single parents with kids. Want to know more? Visit our guide, “Nationwide Auto Insurance Review.
• Affordable Rates: Basic coverage starts at $68, which is a great deal for families looking to save money on insurance while staying protected.
• Discounts Available: Nationwide, offers plenty of discounts to help you save on your auto insurance, making it more affordable for families.

Cons

• Limited Option: With fewer choices, it can feel like you’re stuck picking whatever’s available instead of what best fits your needs, which can be tough for single parents on a tight budget.
• Slow Claims Process: Some customers say the claims process takes longer, which can be frustrating if you need quick help during an urgent situation.

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#8 – Farmers: Best for Customizable Policies

Pros

• Custom Coverage: Farmers let single parents pick the coverage that works best for them, giving them more flexibility and control.
• Flexible Payments: Farmers offers payment plans that help single parents pay premiums without stress or worry. Check out our “Farmers Auto Insurance Review” for more information.
• Great Discounts: Farmers offers lots of discounts to help single parents save on premiums, making insurance much more affordable and accessible.

Cons

• Higher Premiums: Farmers might charge higher premiums, especially for those with a less-than-perfect driving record, which could be harder for single parents.
• Limited Availability: Farmers are not available in every state, which may limit options for some single parents.

#9 – Travelers: Best for Safe Driver Rewards

Pros

• Safe Driver Rewards: Travelers gives discounts to drivers with a clean record, which is great for single parents who drive safely.
• Affordable Coverage: Travelers starts at just $65, making it a good choice for single parents on a budget.
• Strong Financial Stability: Travelers is financially strong, so single parents can trust them to protect their family now and in the future.

Cons

• Limited Coverage Options: Some coverage options may not provide as much protection as other companies, which could be a downside for single parents needing extra security.
• Customer Service Concerns: Travelers has mixed customer service reviews, which single parents may want to consider. Discover more in our guide, “Travelers Auto Insurance Review.

#10 – American Family: Best for Teen Discounts

Pros

• Teen Driver Discounts: The American Family gives big discounts when you add teen drivers to a parent’s policy. It’s great for single parents with teenagers.
• Competitive Rates: Starting at $60 for basic coverage, American Family offers affordable rates for single parents. See more in our guide, “American Family Auto Insurance Review.”
• Strong Coverage Options: American Family offers different coverage options to help single parents protect their families and ensure they have the support they need.

Cons

• Premium Increases: Adding a teen driver can raise premiums a lot, which might be tough for single parents, especially when trying to balance budgets and other expenses.
• Limited State Availability: American Family’s services are not available in all states, limiting options for some single parents.

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Average Auto Insurance Rates for Single Parents

Single parents often pay higher auto insurance rates because insurers view married drivers as lower risk. While there are no specific discounts for single parents, factors like homeownership, location, and driving history can influence costs. Understanding these factors can help single parents find the most affordable coverage.

Single Parents Auto Insurance Monthly Rates by Provider & Coverage Level

Comparing insurance rates is crucial, as prices vary based on marital status and other factors. Single parents with young children or teens should explore options like secure low rates car insurance that balance affordability with sufficient coverage. Shopping around and bundling policies can lead to significant savings.

Despite the challenges, affordable car insurance is within reach for single parents who take the time to research and apply for available discounts. Choosing the right coverage level and a provider with flexible payment plans can help ease financial strain while ensuring reliable protection.

Read more: Is it a bad idea to not add a child to my auto insurance policy?

The Impact of Divorce on Auto Insurance Rates

If you’re a single parent who has never been married, divorce won’t affect your auto insurance. However, if you do get divorced, your rates may increase since insurers generally offer lower rates to married drivers. In most states, divorced drivers pay higher rates, though in Hawaii, Massachusetts, and Montana, divorce doesn’t impact insurance costs.

Married policyholders tend to file fewer claims, leading insurers to offer them lower rates. As a result, single drivers, especially young ones, often pay about 21 percent more for auto insurance. While divorce is tough, reviewing your coverage and looking for discounts can help manage costs.

Read more: How Divorce Can Affect Your Car Insurance

Managing Auto Insurance After Divorce

When you’re separated from your spouse, managing your child’s auto insurance needs can be complicated. One of the first things to think about is whether your child will be listed on one or two policies. If your teen is living with you full-time and frequently driving your vehicle, it’s wise to add them to your own policy.

However, if your teen is listed on both parents’ policies, be cautious. Some coverage types, like comprehensive and collision, apply only to the car, not the driver. This could leave you without protection in case of an accident, even if your teen was driving your vehicle.

Teenage drivers, especially males, tend to have higher insurance rates. This is due to their higher risk of engaging in risky driving behaviors, which leads to more accidents. Male teens can pay about 18% more for coverage than their female counterparts, which can feel overwhelming for single parents.

To manage the cost, consider looking into discounts, single parent car programs, and safe driving programs. Companies like Geico often offer discounts that help lower premiums. Encouraging safe driving habits in your teen can make a difference, potentially keeping insurance rates more manageable even for first-time drivers.

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Personal Injury Protection and Medical Payments for Single Parents

Personal Injury Protection (PIP) and Medical Payments (MedPay) are insurance options that can be helpful for single parents seeking added protection in case of an accident. PIP covers medical expenses and lost wages, while MedPay primarily covers medical bills for you and your passengers.

Life’s better when you bundle the things you love under our roof. https://t.co/wvMXB6Yuy2 pic.twitter.com/F4MYiVjfl1

— American Family Insurance (@amfam) September 7, 2023

If you already have comprehensive single parent health insurance, you may not need either, as they offer similar coverage. However, if your health plan is limited or you’re concerned about ensuring your passengers are covered, investing in PIP or MedPay could provide additional peace of mind.

Read more: Personal Injury Protection vs. Health Insurance

The Need for Extra Auto Insurance as a Single Parent

Single parents may want to consider adding uninsured or underinsured motorist coverage to their auto policy. Around 14 percent of U.S. drivers are uninsured, and if you’re in an accident with one of them, this coverage can protect you from paying out-of-pocket for repairs or legal fees. It’s wise to match the limits of this coverage with your liability policy, and in some states, it’s even required.

Rental reimbursement coverage is another useful option for single parents. This policy covers the cost of renting a car while yours is being repaired. If you don’t anticipate needing a rental, or if you’re comfortable covering the cost on your own, you may choose to skip this coverage.

Roadside assistance can also be a great investment for single parents. It provides help in emergencies, such as a flat tire or a broken battery. If you already have a roadside assistance plan, you might not need to add this coverage, but it can offer peace of mind if you often drive alone or in remote areas.

Auto Insurance Discounts for Single Parents

Single parents can save on auto insurance by taking advantage of various discounts. Common options include customer loyalty discounts, responsible driver discounts, and safe vehicle discounts, which can all lower your premiums. Be sure to ask your insurance provider about the discounts you may qualify for, as agents might not always know your eligibility.

Auto Insurance Discounts From the Top Providers for Single Parents

Providers offer different savings amounts, so it’s worth shopping around to see which company offers the best discounts for your situation. Many insurers provide personalized discounts, such as those for bundling multiple policies or for maintaining a clean driving record. By comparing options, you can find the most cost-effective coverage.

If you find that your current insurer isn’t offering the discounts you need, don’t hesitate to explore other providers. Shopping around ensures that you’re not missing out on savings and helps you secure the most affordable low income auto insurance for your family’s needs.

Read more: Car Insurance Discounts

Saving with Home and Auto Insurance Bundles

Single parents can save money on parent car insurance by bundling policies, such as combining auto insurance with homeowners or life insurance. Insurance providers often offer significant discounts to customers who purchase multiple policies, making it easier to lower overall costs.

Additionally, bundling multiple cars under the same policy can also lead to further savings. The more policies you have with one provider, the more likely they are to offer loyalty discounts, rewarding you for giving them your business.

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Budget-Friendly Auto Insurance for Single Parents

Low-income auto insurance can be a valuable option for single parents who may struggle to afford traditional coverage. The Insurance Information Institute (III) highlights these programs, which are designed to help families stay insured despite financial challenges. Additionally, some providers offer single parent discounts to make coverage more affordable.

Several states, including California, New Jersey, and Hawaii, offer state-sponsored auto insurance programs aimed at low-income families. These programs help ensure that single parents can maintain necessary coverage without facing the financial strain of higher premiums.

Read more: Auto Insurance Coverage Options [Choose and Save]

Case Studies: Auto Insurance Solutions for Single Parents

Finding the right car insurance as a single parent can be tough, but these stories show how others made smart choices to get affordable and reliable coverage. Here are a few examples of how different parents found auto insurance that worked for them and saved money.

Case Study 1: Sarah’s Savings with Geico

Sarah, a single mom with two kids, had trouble sticking to her budget because her car insurance was too high. She switched to Geico and saved 20% with their Safe Driver Rewards. The savings helped her spend more on her kids’ education while feeling good about her car insurance.

Case Study 2: Mark’s Experience with State Farm

Mark, a single dad, had a car accident just when his insurance was about to renew. He switched to State Farm for their accident forgiveness. After he filed a claim for the small accident, his rates didn’t go up. This gave him peace of mind, helping him stick to his budget and keep his family’s transportation covered.

Case Study 3: Lisa’s Flexible Coverage with Erie

Lisa, a single mom, works full-time and takes care of her kids. She needed an insurance plan that was flexible and affordable. She picked Erie Insurance because it had low monthly payments and roadside help. It made her feel safer and eased some of her money worries. You can learn more in our guide, “Types of Auto Insurance Coverage.”

These case studies show how single parents can find auto insurance that meets their needs, offering affordability and peace of mind in their busy lives.

Choosing the Right Auto Insurance for Single Parents

Choosing the right auto insurance is crucial for single parents looking to save money and ensure peace of mind. The Best Auto Insurance for Single Parents offers flexible options that cater to your unique needs, like affordable premiums and added benefits such as roadside assistance. For more information, visit this guide, “Compare Auto Insurance Companies.”

Safe Driver Rewards are a great way to save money by giving you discounts for good driving. This can help you keep your rates low, which is important when you’re juggling a budget as a single parent. Companies like Geico, State Farm, and Erie offer good options for single parents, with coverage that fits your needs. They also offer discounts, accident forgiveness, and flexible payment plans.

By taking the time to compare options and understand what you need, single parents can find the best auto insurance to protect themselves and their families while keeping costs manageable. Shop for auto insurance rates for single parents by entering your ZIP code into our free quote tool below.