The words “low-priced” and “insurance” probably shouldn’t be used in the same sentence, specifically when comparison shopping for the best car insurance rates for single moms. Because of the high cost, let’s take a look at some situations that significantly impact car insurance prices, and figure out some ideas to lower the cost of the next policy you buy.
Locating cost effective car insurance is difficult, and figuring out which companies offer the lowest-priced insurance rates for single moms will take even more work. Every auto insurer uses a little different formula to set policy rates, so we need to take a look at the overall cheapest insurance companies in Bakersfield, CA.
It’s important that readers know that Bakersfield, CA insurance rates are determined by lots of factors which can substantially change the price you have to pay for coverage. This price fluctuation is why it is critical to compare many different companies to get the cheapest car insurance quotes for single moms. Insurance rates are made up of many factors and can increase or decrease at any time, so the most affordable company two years ago may now be priced much higher than other options.
Best Car Insurance Prices for Single Moms
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Wawanesa | $1,157 |
| 3 | CSAA | $1,198 |
| 4 | Century National | $1,226 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,477 |
| 8 | Mercury | $1,488 |
| 9 | Allstate | $1,513 |
| 10 | Allied | $1,541 |
| 11 | Progressive | $1,542 |
| 12 | GEICO | $1,575 |
| 13 | MetLife | $1,606 |
| 14 | The Hartford | $1,623 |
| 15 | Unitrin | $1,699 |
| 16 | Esurance | $1,705 |
| 17 | State Farm | $1,733 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $1,966 |
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USAA generally has some of the best car insurance rates in Bakersfield at around $1,121 each year. This is $530 less than the average policy premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide would also be considered some of the most economical Bakersfield, CA insurance companies.
In the above rates, if you buy coverage from Wawanesa and switched to USAA, you might achieve a yearly savings of upwards of $36. California drivers with CSAA could save as much as $77 a year, and Century National insureds might lower prices by up to $105 a year.
It’s important to note that these policy rates are averaged for all insureds and vehicles and do not factor in an exact vehicle garaging location for single moms. So the car insurance company that is best for you may not even be in the top 24 companies in the list above. That’s why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.
For single parents, one of the big components that help determine insurance cost is where you choose to live in Bakersfield. Cities with more crime and/or more people will most likely have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower rates.
The table below shows the highest-priced areas in California for single moms to purchase car insurance in. Bakersfield is ranked #22 with a yearly premium of $1,353 for the average insurance policy, which is about $113 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,121 |
| 3 | San Francisco | $1,763 |
| 4 | Oakland | $1,704 |
| 5 | Sacramento | $1,669 |
| 6 | Long Beach | $1,626 |
| 7 | Stockton | $1,603 |
| 8 | San Bernardino | $1,596 |
| 9 | Moreno Valley | $1,551 |
| 10 | Modesto | $1,547 |
| 11 | Riverside | $1,542 |
| 12 | Fontana | $1,535 |
| 13 | Santa Clarita | $1,533 |
| 14 | Garden Grove | $1,524 |
| 15 | Fresno | $1,457 |
| 16 | Santa Ana | $1,439 |
| 17 | San Jose | $1,437 |
| 18 | Anaheim | $1,430 |
| 19 | Fremont | $1,403 |
| 20 | Irvine | $1,384 |
| 21 | Huntington Beach | $1,360 |
| 22 | Bakersfield | $1,353 |
| 23 | Chula Vista | $1,350 |
| 24 | San Diego | $1,327 |
| 25 | Oxnard | $1,304 |
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Rates are comparative as the specific Bakersfield residence address can change auto insurance rates noticeably.
The vehicle model you are trying to insure is one of the biggest factors in finding low-cost car insurance for single moms. Vehicles with lower performance, a great safety record, or a low likelihood of having liability claims will cost much less to insure than high performance models. The data below illustrates insurance rates for a handful of the most economical vehicles to insure in California.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $836 |
| Ford Escape Limited 4WD | $907 |
| Ford F-150 STX Super Cab 2WD | $919 |
| Chevrolet Impala LS | $971 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,009 |
| Dodge Grand Caravan Crew | $1,018 |
| Kia Optima LX | $1,058 |
| Chevrolet Equinox LTZ 2WD | $1,060 |
| Ford Focus SE 2-Dr Coupe | $1,110 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $1,125 |
| GMC Sierra SLT Crew Cab 4WD | $1,133 |
| Toyota Prius | $1,141 |
| Dodge Ram Crew Cab Laramie 4WD | $1,202 |
| Chevrolet Silverado LS Regular Cab 2WD | $1,212 |
| Toyota Corolla XRS | $1,217 |
| Jeep Grand Cherokee Limited 4WD | $1,212 |
| Toyota Camry LE | $1,214 |
| Volkswagen Jetta LE 4-Dr Sedan | $1,220 |
| Toyota RAV4 Sport 2WD | $1,214 |
| Chevrolet Malibu Hybrid | $1,224 |
| Ford Explorer Limited 4WD | $1,239 |
| GMC Sierra 2500HD SLT Crew Cab 4WD | $1,272 |
| Hyundai Elantra GLS 4-Dr Sedan | $1,278 |
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Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Price information does not factor in your specific Bakersfield, CA location which can impact auto insurance rates greatly.
Looking at the rates, you can assume that cars like the Honda CR-V, Ford Escape, Ford F-150, Chevrolet Impala, and Toyota Tacoma are a few of the cheaper vehicles to insure for single parents.
The diagram below illustrates how your choice of deductibles can influence insurance prices when researching cheap insurance for single moms. The premiums assume a single male driver, comprehensive and collision coverage, and no discounts are factored in.
The data above shows that a 40-year-old driver could lower rates by $362 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $546 by selecting a $1,000 deductible. Younger drivers, such as the Age 20 example, could roll back prices $1,190 or even more by choosing a larger deductible amount.
When increasing deductibles, it is important to have enough funds in savings to enable you to cover the extra out-of-pocket expense, which deters some people from using high deductibles.
Illustration showing the impact of accidents and violations
In a perfect world, the best way to enjoy good insurance prices in Bakersfield for single parents is to be a careful driver and have a clean driving record. The diagram below highlights how traffic violations and fender-benders can affect annual premium costs for different age groups of insureds. The rate quotes are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.
In the prior example, the average cost of auto insurance in California per year with no accidents or violations is $2,882. Factor in one speeding ticket and the average cost jumps to $3,312, an increase of $430 each year. Then add two accidents along with the one speeding ticket and the 12-month cost of insurance for single moms increases to an average of $6,941. That’s an increase of $4,059, or $338 per month, just for being a little careless behind the wheel!
Ideas for buying more affordable auto insurance for single moms
Lowering your rates is not difficult, and here are some of the better money-saving solutions that can help California drivers find low-cost coverage.
- Try to remain claim-free
- Serious violations like DUI or careless driving can make car insurance unaffordable
- Buy a safer vehicle
- Prevent price hikes by avoiding at-fault accidents
- Drivers with good credit often pay less
- Shop around for cheaper prices
The final tip is very significant, as we discussed in the prior article. Auto insurance rates vary considerably, so don’t be hesitant to buy from a different company if you can find a cheaper rate. Staying with the same car insurance company is fine, but it’s not recommended if that inflexibility results in costing you a lot of money. Spend a few minutes and compare prices and find cheaper auto insurance for single moms in Bakersfield.