The make and model of vehicle requiring coverage is one of the main factors when comparing low-priced insurance for single moms. Vehicles with lots of speed or power, a lack of modern safety features, or high incidents of liability claims will cost more to insure than more modest models. The next list features auto insurance prices for some of the cheapest automobiles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Toyota Prius | $1,337 |
| Honda CR-V LX 2WD | $1,385 |
| Hyundai Elantra GLS Touring Station Wagon | $1,395 |
| Jeep Grand Cherokee Laredo 4WD | $1,432 |
| Honda Civic LX-S 4-Dr Sedan | $1,480 |
| Chevrolet Impala LTZ | $1,507 |
| Toyota Camry XLE | $1,513 |
| Chevrolet Malibu LTZ | $1,535 |
| Toyota Tacoma 4WD | $1,554 |
| Ford F-350 Super Cab Cabela Package 2WD | $1,562 |
| Dodge Ram Crew Cab SLT 2WD | $1,569 |
| Nissan Rogue SL AWD | $1,609 |
| Ford Escape Limited 4WD | $1,618 |
| GMC Sierra 2500HD SLT Extended Cab 4WD | $1,609 |
| Volkswagen Jetta S 2.5 Station Wagon | $1,617 |
| Honda Odyssey LX | $1,624 |
| Ford Edge SE 2WD | $1,629 |
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Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Missouri minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Price estimates do not factor in your specific Kansas City, MO location which can revise insurance rates greatly.
Looking at the rates, we can infer that makes and models like the Toyota Prius, Honda CR-V, Hyundai Elantra, and Jeep Grand Cherokee will definitely be a few of the most economical vehicles to insure for single parents.
For single parents, one of the more important things that aid in calculating the amount you pay for auto insurance is where your car is garaged in Kansas City. Cities with larger populations tend to pay slightly more, whereas less populated areas have the enjoyment of a little cheaper coverage.
The information below shows the most costly cities in Missouri for single moms to purchase a policy in. Kansas City is ranked at #6 with an annual rate of $1,257 for car insurance, which is around $105 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Saint Louis | $1,430 |
| 2 | Florissant | $1,416 |
| 3 | University City | $1,394 |
| 4 | Raytown | $1,316 |
| 5 | Mehlville | $1,272 |
| 6 | Kansas City | $1,257 |
| 7 | Chesterfield | $1,244 |
| 8 | Ballwin | $1,232 |
| 9 | Independence | $1,227 |
| 10 | Wildwood | $1,201 |
| 11 | Kirkwood | $1,187 |
| 12 | Blue Springs | $1,172 |
| 13 | Joplin | $1,160 |
| 14 | Liberty | $1,153 |
| 15 | Lee’s Summit | $1,146 |
| 16 | Wentzville | $1,145 |
| 17 | Saint Charles | $1,140 |
| 18 | Saint Joseph | $1,134 |
| 19 | Saint Peters | $1,128 |
| 20 | O’Fallon | $1,101 |
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Premium costs are comparative as the specific zip code location can modify coverage rates significantly.
Shopping around for low-cost car insurance is challenging, and deciding which insurers offer the most affordable insurance rates for single moms takes more quotes for comparison.
Each auto insurer has their own guidelines for determining rates, so let’s begin by examining the insurance companies with the most affordable rates in Kansas City. It’s important to know that Kansas City, MO insurance rates are determined by lots of factors that can increase the price you have to pay. That is why it is so important to spend some time comparing rates to get the most affordable auto insurance quotes for single moms. Car insurance prices can be determined by many things and can increase or decrease at any time, so the most affordable company the last time you shopped around may now be one of the higher cost companies.
Cheapest Insurance Rates for Single Moms
USAA may offer some of the cheapest car insurance rates in Kansas City at around $668 annually. The Hartford, Electric, Allied, and Travelers also are some of the most economical Kansas City, MO insurance companies.
In the above example, if you currently buy coverage from Allied and switched to USAA, you could earn savings of upwards of $199. Policyholders with Travelers may save as much as $330 a year, and Auto-Owners policyholders might see rate reductions of $339 a year.
To see how much you can save, click here or visit any of the low-priced companies below.
It’s important to note that these rates are averages for all types of insureds and vehicles and are not factoring in an exact location for single moms. So the auto insurance company that can offer the best rates for your situation may not even be in the list above. That is why you need to compare rates from multiple companies using your own driver information and specific vehicle type.
Types of discounts on Kansas City insurance rates
Car insurance companies that sell policies for single moms could also offer policy discounts that can lower rates by as much as 25% or more if you qualify. The best insurance companies and their possible discounts include:
- State Farm includes discounts for accident-free, defensive driving training, good driver, good student, and student away at school.
- Progressive may offer discounts for good student, continuous coverage, multi-vehicle, homeowner, and online quote discount.
- Travelers discounts include multi-car, student away at school, driver training, home ownership, IntelliDrive, and payment discounts.
- American Family may have discounts that include defensive driver, good driver, early bird, TimeAway discount, and good student.
- Liberty Mutual offers discounts including teen driver discount, safety features, preferred payment discount, multi-car, and hybrid vehicle.
The information below illustrates the comparison of car insurance rates with and without discounts applied. The data is based on a female driver, no accidents, no driving violations, Missouri state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multiple policy, multiple vehicle, accident-free, passive restraint, defensive driving course, and anti-theft discounts applied. When these discounts are applied to the policy premium, theamount saved on insurance for single moms is 27% or $367.
Impact of violations and accidents on rates
In a perfect world, the best way to maintain good insurance rates in Missouri for single parents is to pay attention while driving and avoid traffic citations and accidents. The illustration below illustrates how traffic citations and accident claims increase yearly insurance costs for different age groups. The data assumes a single female driver, full physical damage coverage, $250 deductibles, and no discounts are factored in.
In the chart above, the average cost of an auto insurance policy per year with no violations or accidents is $1,781. Receive one speeding ticket and the average cost rises to $2,016, an increase of $236 each year. Then add in two accidents along with the one speeding ticket and the 12-month cost of insurance for single moms jumps again to an average of $4,083. That’s an increase of $2,302, or $192 per month, just for not paying attention while driving!
Cost comparison with and without full coverage
Saving money on insurance is probably important to the majority of people, and a great way to pay less for insurance for single moms is to not buy full coverage. The example below shows the difference between car insurance rates with and without physical damage coverage. The costs are based on no claims or driving citations, $1,000 deductibles, drivers are single, and no discounts are factored in.
If we average all the age groups together, full coverage on your policy costs $1,125 per year more than carrying just liability coverage. That is a large expense which might make you wonder when is the right time to remove full coverage. There is no exact rule that works best for making the decision to drop physical damage coverage, but there is a general convention. If the annual cost of coverage is more than about 10% of the replacement cost minus the deductible, then you may need to consider dropping full coverage.
There are a few cases where eliminating full coverage is not in your best interest. If you still owe money on your vehicle, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not buy liability only.