Who Has the Cheapest Auto Insurance for Single Moms in Florida?

The make and model of vehicle you are trying to insure is one of the primary factors when quoting low-priced car insurance for single moms. Vehicles with average performance, advanced safety features, or low incidents of liability claims will cost much less to insure than adrenaline junky models. The data below shows insurance rates for a handful of the most affordable vehicles to buy coverage for.

Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Table data does not factor in specific Florida garaging location which can raise or lower insurance rates substantially.

Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Price information does not factor in specific garaging location which can increase or decrease premiums greatly.

Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Rate quotes do not factor in specific location information which can influence premium rates greatly.

For single parents, one of the more important factors that auto insurance companies use to determine car insurance rates is where you call home. Cities with larger populations or higher claim trends like Hialeah, Miami, and West Palm Beach are more likely to have higher rates, whereas areas with lower crime rates and fewer weather claims tend to receive slightly lower rates.

The table below displays the most expensive places in Florida for single moms to buy an auto insurance policy in.

Premium costs are estimated as the garaging address in Florida can modify premium rates greatly.

The diagram below shows how different deductible levels can raise or lower insurance rates when searching for cheap insurance for single moms. The premiums assume a single female driver, full coverage, and no additional discounts are factored in.

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In the chart above, a 50-year-old driver could lower their policy premium by $462 a year by increasing from a $100 deductible up to a $500 deductible, or save $698 by using a $1,000 deductible. Even younger insureds, like the 20-year-old example, could possibly save up to $1,174 or even more just by choosing higher deductibles.

When insureds make the decision to increase the deductibles on their policy, it is a good idea to have enough savings set aside to enable you to pay the extra out-of-pocket expense that is associated with using high deductibles.

Allstate, Geico, Progressive, and State Farm: Who is cheapest?

When researching auto insurance for single parents, four companies to consider are Allstate, Geico, Progressive, and State Farm. The data below compares pricing and service ratings, plus some optional coverages that are available for policyholders.

Cheap insurance quotes for single parents

Thanks to technology, there are a lot of ways to shop for and buy car insurance in Florida, but the most frequently used are through a captive (or exclusive) agency such as State Farm or Allstate, an independent insurance agent, or buying direct from a company like Progressive or Geico. They all follow the same basic process, but it’s important to point out the distinctions in how they price policies.

Independent agencies work for many companies and can compare coverage rates with all of them. Agents of this type have the freedom to give you a larger rate selection, which can help you get the best shot at cutting your rates. If they find a cheaper price, an independent agent can move your coverage which is easy for the insured.

An exclusive agent is only able to quote your policy with one insurance company, a couple examples are Allstate and Liberty Mutual agents. Exclusive agents are unable to quote prices from more than a single company, so if finding the cheapest car insurance is your goal, you will want to shop around.

Car insurance from a direct company means you do not use local agents and instead shop direct online or over the phone from a company like Esurance or Progressive. Shopping for car insurance direct can be good for consumers who have fewer assets and have an above average understanding of how car insurance works.

When shopping for car insurance, which way works best for finding the cheapest car insurance for single moms in Florida? The obvious answer would be buying from a direct car insurance company saves money since there is no need to pay agent commissions, but that is generally not the case. It would also be easy to say using an independent agent guarantees the lowest rates since there are more companies to choose from, but that idea is not necessarily true either. And often times, the exclusive agents have extremely competitive rates that cannot be met by either independent or direct companies.

Because of the variability of car insurance rates, the guaranteed way to get rock-bottom rates is to do a thorough rate comparison. It’s recommended that drivers get price quotes all three ways to give yourself plenty of rates to compare. For a list of companies offering online discounts in Florida, click here to view.