Best Cheap Auto Insurance Quotes for Single Moms in Kentucky

The words “affordable” and “insurance” really shouldn’t be used together, specifically when trying to find the best car insurance rates for single moms. To help control this cost, let’s familiarize you with some of the factors that significantly impact car insurance rates, and see if we can help you reduce the price of the next policy you buy.

The vehicle requiring insurance is a large factor when shopping around for the best cheap car insurance for single moms in Kentucky. Vehicles with economical engines, advanced safety features, or a low likelihood of liability claims will cost quite a bit less to insure than higher performance models.

The list below illustrates coverage rates for a selection of the most budget-friendly automobiles to insure.

Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Information does not factor in vehicle garaging location which can decrease or increase premium rates significantly.

By looking at the data, you can conclude that cars like the Chevrolet Traverse, Hyundai Tucson, Ford Explorer, and Toyota Highlander are going to be some of the most affordable vehicles to insure for single parents.

Finding decent, cheap auto insurance is easier said than done, and deciding which company has the best insurance rates for single moms involves even more perseverance. Each insurer uses a slightly different approach for determining rates in each state, so first let’s look at the rankings for the overall cheapest insurance companies in Kentucky.

Best Insurance Companies for Single Moms

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Cincinnati Insurance quotes some of the best car insurance rates in Kentucky at around $1,115 a year. Kentucky Farm Bureau, USAA, Auto-Owners, and Motorists Mutual would also be considered some of the best Kentucky car insurance companies.

As shown above, if you are currently insured with USAA and switched to Cincinnati Insurance, you could realize annual savings of in the vicinity of $108. Customers with Auto-Owners could save as much as $298 a year, and Motorists Mutual customers might see rate reductions of $438 a year.

It’s important to note that these rates are averages for all ages of drivers and types of vehicles and do not factor in a price discount for single moms. So the auto insurance company that can offer the best rates for your situation may not even be in the rate chart shown above. That helps illustrate why you need to compare rates from as many companies as possible using your own individual information.

One of the many criteria that is used by auto insurance companies to calculate rate quotes is where you normally keep your vehicle in Kentucky. Areas with increased crime or more people like Louisville, Saint Matthews, and Jeffersontown tend to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates receive better rates.

The table below illustrates the priciest cities in Kentucky for single moms to buy an auto insurance policy in.

Premium amounts are comparative as specific Kentucky zip code can revise premium rates greatly.

Which car insurance company is best?

If you’re looking for the cheapest car insurance, probably the best companies to start with are Geico, Allstate, State Farm, and Progressive. All of them offer liability and physical damage protection, but each on has a little bit different set of discounts and options that may affect your buying decision. The table below compares some of the different features that are available for policyholders.