For single parents, one of the more important factors that are used to help calculate the annual cost of car insurance is your zip code. More populated areas tend to have higher auto insurance costs, whereas more rural areas can boast about having cheaper rates.
The table below ranks the most expensive areas in Arizona for single moms in which to purchase auto insurance. Phoenix is ranked #1 with an annual rate of $1,255 for the average insured, which is around $105 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Phoenix | $1,255 |
| 2 | Glendale | $1,226 |
| 3 | Avondale | $1,222 |
| 4 | San Tan Valley | $1,161 |
| 5 | Gilbert | $1,154 |
| 6 | Buckeye | $1,144 |
| 7 | Goodyear | $1,131 |
| 8 | Peoria | $1,126 |
| 9 | Chandler | $1,126 |
| 10 | Tempe | $1,118 |
| 11 | Scottsdale | $1,117 |
| 12 | Mesa | $1,113 |
| 13 | Casas Adobes | $1,082 |
| 14 | Casa Grande | $1,079 |
| 15 | Maricopa | $1,074 |
| 16 | Catalina Foothills | $1,072 |
| 17 | Tucson | $1,072 |
| 18 | Surprise | $1,048 |
| 19 | Oro Valley | $1,031 |
| 20 | Yuma | $983 |
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Premium amounts are estimated as specific location information can decrease or increase auto insurance rates noticeably.
Finding dependable, affordable car insurance is not easy, and determining which company quotes the cheapest insurance rates for single moms involves even more work. Each insurance company has a different formula to establish rates, so let’s begin by taking a look at the insurance companies that tend to have lower prices in Phoenix.
Best Insurance Companies for Single Moms
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $820 |
| 2 | Auto-Owners | $888 |
| 3 | Safeco | $896 |
| 4 | Travelers | $1,075 |
| 5 | USAA | $1,113 |
| 6 | GEICO | $1,142 |
| 7 | Progressive | $1,164 |
| 8 | CSAA | $1,189 |
| 9 | Allied | $1,197 |
| 10 | Ameriprise Group | $1,220 |
| 11 | Farm Bureau Mutual | $1,259 |
| 12 | Unitrin | $1,303 |
| 13 | Safe Auto | $1,336 |
| 14 | Farmers | $1,350 |
| 15 | State Farm | $1,364 |
| 16 | Titan | $1,418 |
| 17 | American Family | $1,420 |
| 18 | Amica | $1,487 |
| 19 | MetLife | $1,521 |
| 20 | California Casualty | $1,552 |
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The Hartford quotes some of the most affordable car insurance rates in Phoenix at around $820 per year. Auto-Owners, Safeco, Travelers, and USAA also qualify as some of the lowest-priced Phoenix, AZ car insurance companies.
As depicted above, if you buy coverage from Travelers and switched to The Hartford, you could see a yearly savings of roughly $255. Drivers with USAA may save as much as $293 a year, and GEICO insureds might reduce prices by as much as $322 a year.
Be aware that those policy prices are averaged across all insureds and vehicles and do not take into consideration a specific vehicle garaging location for single moms. So the car insurance company that fits you best may not even be in the top 28 companies shown above. That illustrates why you need to quote rates from many companies using your own personal information and vehicle type.
Best insurance company in Arizona
Buying coverage from the best insurance company can be rather challenging considering how many companies there are to choose from in Phoenix. The company ratings below may help you analyze which insurers you want to consider purchasing a policy from.
These rankings are only made up of companies that insure vehicles across America, so smaller regional companies are not factored into the list. If you wish to compare rates from these and other companies in Arizona, follow this link.
Top 10 Major Auto Insurers in Phoenix Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Major Auto Insurers in Phoenix Ranked by Value
- USAA
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
- Nationwide
- Safeco
Cost of full coverage in Phoenix
Saving money when shopping for insurance is important to the majority of drivers, and one good way to pay less for insurance for single moms is to not buy comprehensive and collision coverage. The example below illustrates the difference between annual premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums assume no claims, a clean driving record, $1,000 deductibles, marital status is single, and no other discounts are factored in.
As an average for all age groups, comp and collision coverage costs an additional $1,263 per year more than carrying just liability coverage. Lot’s of drivers question when is the right time to remove full coverage. There is no definitive guideline to stop buying physical damage coverage, but there is a general school of thought. If the yearly cost of full coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.
The illustration below highlights how deductible choice can affect insurance costs when trying to find cheap insurance for single moms. The information is based on a married male driver, full physical damage coverage, and no policy discounts are applied.
The data above shows that a 30-year-old driver could cut expenses by $276 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $418 by selecting a $1,000 deductible. Even younger insureds, like the 20-year-old category, could shave up to $834 each year just by choosing higher deductibles. When increasing deductibles, it is necessary to have plenty of savings on hand to allow you to pay the extra out-of-pocket expense that is associated with using high deductibles.