Cheapest Car Insurance Quotes for Single Moms in Utah

You have probably watched the captivating ads from auto insurance companies like State Farm and Farmers that say if you switch you’ll get the cheapest price, so you just need to pick the company with the cutest commercial, right?

It’s not that simple, unfortunately, as there are a whole bunch of unknown elements such as your financial responsibility, your gender, the performance level of your vehicle, and the deductible level you need. This article will discuss the best ways to avoid overpriced car insurance and should give you some help in finding cheaper rates.

Finding decent, reasonably-priced insurance is hard enough, and figuring out which company has the lowest-priced auto insurance rates for single moms will involve even more perseverance. Each insurance company has a different process for setting prices, so we’ll take a look at the auto insurance companies with the most affordable rates in Utah.

Best Cheap Insurance Rates for Single Moms

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Bear River may have some of the lowest car insurance rates in Utah at around $584 per year. USAA, Auto-Owners, American Family, and Safeco would also be considered some of the best Utah auto insurance companies.

As the example above demonstrates, if you are a customer of American Family and switched to USAA, you may see savings of in the vicinity of $233. Customers with Safeco could save as much as $259 a year, and Allied insureds might see rate reductions of $268 a year.

It’s important to note that these premium estimates are averages for all types of insureds and vehicles and do not take into consideration a price decrease for single moms. So the car insurance company that is most affordable for your situation may not even be included in the above list. That underscores the importance of why you need to compare prices as often as possible using your own specific driver information and vehicle.

One of the more important things that is used to calculate the cost of insurance is where your home is located. Areas with more people or more claims like Kearns, Murray, and West Valley City will most likely have higher rates, whereas areas with less people or fewer weather incidents have the benefit of cheaper auto insurance prices.

The following table rates the higher priced cities in Utah for single moms to buy car insurance in.

Price information shown is approximated as vehicle location can lower or raise rates greatly.

Discounts on the cheapest auto insurance for single moms in Utah

Insurers that provide coverage for single moms may have policy discounts that can lower rates by 35% or more if you can meet the requirements. A list of companies and some of the premium reductions they offer are included below.

The example below visualizes the comparison of premium costs with and without discounts applied to the premium. The costs are based on a female driver, a clean driving record, no claims, Utah state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with claim-free, accident-free, multiple vehicle, marriage, vehicle safety, and homeowner discounts applied. When drivers qualify for the discounts, the the amount saved on auto insurance for single moms is % or $.

The information below illustrates how choosing a deductible can raise or lower insurance costs when searching for cheap insurance for single moms. Data assumes a single female driver, comp and collision included, and no other discounts are factored in.

In the chart above, a 40-year-old driver could lower their car insurance rates by $212 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $320 by using a $1,000 deductible. Even younger insureds, like the Age 20 category, could lower their rates $538 or even more just by choosing higher deductibles.

When raising deductibles, it’s a good idea to have plenty of money set aside to enable you to pay the extra out-of-pocket expense, which deters some people from using high deductibles.

Allstate, Geico, Progressive, and State Farm compared

If you want reliable auto insurance, the four most popular companies are Allstate, Geico, Progressive, and State Farm. Combined they have almost 50% of the car insurance market in the United States. The table below illustrates some of the different features shoppers can expect to find with each one.