Who Has the Cheapest Houston Car Insurance for Single Moms?

The words “low-priced” and “insurance” really should not be used together, especially when searching for the cheapest coverage for single moms. In an attempt to save some money, let’s teach you some of the factors that have a considerable impact on insurance prices, and find some ways to take the sting out of your next policy.

The type of vehicle driven is a large consideration when comparing quotes for affordable auto insurance for single moms. Vehicles with lower performance, modern passenger safety features, or a low likelihood of having liability claims will cost quite a bit less to insure than adrenaline junky models. The next table ranks coverage costs for a number of the most cost-effective automobiles to buy coverage for.

Cheapest Vehicles to Insure in Houston, TX
Vehicle Estimated Cost for Full Coverage
Toyota Tacoma 2WD $1,377
Ford Focus S 4-Dr Sedan $1,383
Honda Odyssey EX $1,377
Honda CR-V EX-L 4WD $1,389
Toyota RAV4 Limited 4WD $1,404
Dodge Grand Caravan Hero $1,411
Hyundai Elantra SE 4-Dr Sedan $1,476
Ford Edge Sport 2WD $1,483
Nissan Altima 2.5 S 4-Dr Sedan $1,476
Ford Escape Limited 2WD $1,488
Toyota Prius $1,503
Nissan Rogue SL 2WD $1,508
Chevrolet Silverado LT Extended Cab 2WD $1,513
Honda Accord EX-L 4-Dr Sedan $1,580
Chevrolet Equinox LS 2WD $1,609
Dodge Ram Quad Cab Sport 2WD $1,634
Ford Explorer Limited 2WD $1,639
Jeep Wrangler Unlimited Sport 4WD 4-Dr $1,666
Ford F-150 STX Super Cab 4WD $1,672
Chevrolet Impala LTZ $1,694
Ford F-250 XL Cabela Package 4WD $1,698
GMC Sierra 2500HD SLT Crew Cab 2WD $1,708
Volkswagen Jetta LE 4-Dr Sedan $1,721
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Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Rate quotes do not factor in Houston, TX location which can lower or raise coverage rates greatly.

Based upon the rates shown, we can assume that models like the Toyota Tacoma, Ford Focus, and Honda Odyssey will definitely be a few of the most economical vehicles to insure for single parents.

One of the many components that are looked at to determine the cost of insurance is where you normally keep your vehicle. Regions with larger populations or more claims tend to have more expensive car insurance rates, whereas more rural areas have the benefit of cheaper car insurance.

The information below rates the highest-priced areas in Texas for single moms in which to purchase auto insurance. Houston makes the list at #3 with an annual premium of $1,909 for coverage, which is about $159 monthly.

How much does car insurance cost in Houston, TX?
Rank City Average Per Year
1 McAllen $1,936
2 Brownsville $1,927
3 Houston $1,909
4 Dallas $1,855
5 Amarillo $1,840
6 Laredo $1,833
7 Garland $1,832
8 Mesquite $1,825
9 Pasadena $1,812
10 Grand Prairie $1,811
11 Beaumont $1,754
12 Irving $1,736
13 San Antonio $1,722
14 Arlington $1,692
15 Lubbock $1,682
16 Austin $1,676
17 Carrollton $1,647
18 Corpus Christi $1,636
19 Fort Worth $1,604
20 Waco $1,584
21 Plano $1,576
22 El Paso $1,568
23 McKinney $1,561
24 Killeen $1,533
25 Abilene $1,499
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Prices are comparative as specific Houston garaging address can modify insurance rates greatly.

Deciphering which company offers the lowest-priced insurance rates for single moms takes a bit more work than just comparing rates from one or two companies.

Each insurance company used slightly different criteria to set policy rates, so let’s take a look at the insurance companies with the overall cheapest rates in Houston, TX. Keep in mind that Houston insurance rates are determined by lots of factors which can substantially change the price you have to pay. Simply having another birthday, increasing deductibles, or getting a speeding ticket can produce rate changes that can cause some rates to be cheaper than before.

Cheapest Insurance Rates for Single Moms

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Travelers quotes some of the cheapest car insurance rates in Houston at around $1,021 annually. This is $883 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also make the list of some of the cheaper Houston, TX insurance companies.

As the example above demonstrates, if you buy coverage from Germania Mutual and switched to USAA, you could realize an annual savings of upwards of $116. Texas drivers with Esurance could save as much as $237 a year, and California Casualty customers might cut rates by $268 a year.

It’s important to note that these policy prices are averaged across all drivers and vehicles and do not factor in an exact vehicle garaging location for single moms. So the company that can offer you the best rate may not even be in the top 23 companies shown above. That affirms the importance of why you need to compare as many prices as possible using your own driver data and vehicle information.

Full coverage rates vs. liability-only

Finding cheaper insurance is the goal of the majority of drivers, and one way to buy cheaper insurance for single moms is to only buy liability insurance. The chart below shows the comparison of insurance rates when comparing full coverage to liability only. Data assumes no claims or driving violations, $500 deductibles, single status, and no additional discounts are factored in.

As an average, full coverage on your policy costs $1,793 per year more than carrying just liability coverage. That touches on the question when is it a good idea to stop buying full coverage. There is no definitive rule of when to drop physical damage coverage, but there is a guideline you can consider. If the yearly cost of full coverage is more than about 10% of the replacement cost minus the deductible, then you might want to think about dropping full coverage.

Picking a good quality auto insurance provider can be rather challenging considering how many different insurance companies sell coverage in Texas. The company information displayed below may help you pick which coverage providers you want to consider putting your business with. The rankings below only include the companies with a significant amount of written premium nationwide, so companies with more of a regional focus are not included in the list.

Top Ten Insurance Companies for Single Moms in Texas
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
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Data Source: Insure.com Best Car Insurance Companies

The example below illustrates how choosing a deductible can change annual premium costs when trying to find cheap insurance for single moms. The premiums assume a single female driver, full physical damage coverage, and no discounts are applied to the premium.

In the chart above, a 30-year-old driver could save $344 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $520 by changing to a $1,000 deductible. Youthful drivers, like the 20-year-old category, could potentially save $766 annually by choosing larger deductibles on their policy. If you do decide to increase your deductibles, it is necessary to have spare funds to satisfy the extra out-of-pocket expense associated with higher deductibles.