The make and model of vehicle requiring coverage is one of the largest considerations when comparing the cheapest coverage for single moms. Vehicles with reasonable performance levels, advanced safety features, or a low likelihood of having liability claims will cost significantly less to insure than high performance models.
The information below ranks coverage costs for a selection of the more affordable automobiles to insure in Arizona.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord EX-L 4-Dr Sedan | $1,477 |
| Ford Edge SE 2WD | $1,496 |
| Dodge Grand Caravan CV | $1,527 |
| Ford Explorer XLT 4WD | $1,536 |
| Honda CR-V EX-L 2WD | $1,588 |
| Volkswagen Jetta SE 2.5 Station Wagon | $1,593 |
| Ford Escape XLT 2WD | $1,668 |
| Hyundai Elantra GLS Touring Station Wagon | $1,678 |
| Toyota Corolla XLE | $1,694 |
| Toyota Prius | $1,720 |
| Chevrolet Equinox LTZ AWD | $1,723 |
| Chevrolet Silverado LS Crew Cab 4WD | $1,731 |
| GMC Sierra SLE Regular Cab 4WD | $1,723 |
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Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Estimates do not factor in the specific area where the vehicle is garaged which can lower or raise prices considerably.
Based upon the rates shown, we can tell that models like the Honda Accord, Ford Edge, and Dodge Grand Caravan are going to be the less-costly vehicles to insure for single parents.
Trying to find cost effective auto insurance is not always easy, and finding out which companies quote the best auto insurance rates for single moms calls for a little more work. Every insurance provider has a unique approach to set premium rates, so we’ll go over the most budget-friendly auto insurance companies in Scottsdale.
We do need to point out that Arizona auto insurance rates are calculated based on many things that may substantially change the price you have to pay. Getting older, moving across town, or getting a reckless driving citation may generate price changes that can make some companies more expensive than others.
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The Hartford generally has some of the best car insurance rates in Scottsdale at around $820 annually. This is $608 less than the average price paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and Progressive also make the cut as some of the best Scottsdale, AZ auto insurance companies.
As shown in the rates above, if you have coverage with Travelers and switched to The Hartford, you could realize an annual savings of in the vicinity of $266. Drivers with Progressive could save as much as $298 a year, and USAA customers might reduce rates by $304 a year.
Understand that those rates are averaged across all insureds and vehicles and are not factoring in a specific zip code for single moms. So the auto insurance company that is best suited for you may not even be in the top 28 companies in the list above. That affirms the importance of why you need to get rate quotes using your own personal information and vehicle type.
One of the more important components that are used to help calculate insurance cost is where you live. Regions with larger populations or more claims tend to pay more, whereas areas with less congestion have the benefit of cheaper car insurance.
The next table lists the highest-priced places in Arizona for single moms in which to buy car insurance. Scottsdale comes in at #4 with an annual cost of $1,163 for car insurance, which is about $97 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Phoenix | $1,255 |
| 2 | Glendale | $1,226 |
| 3 | Avondale | $1,222 |
| 4 | Scottsdale | $1,163 |
| 5 | San Tan Valley | $1,161 |
| 6 | Mesa | $1,159 |
| 7 | Gilbert | $1,142 |
| 8 | Tempe | $1,140 |
| 9 | Peoria | $1,137 |
| 10 | Buckeye | $1,122 |
| 11 | Goodyear | $1,098 |
| 12 | Chandler | $1,093 |
| 13 | Maricopa | $1,085 |
| 14 | Casa Grande | $1,079 |
| 15 | Tucson | $1,072 |
| 16 | Surprise | $1,058 |
| 17 | Catalina Foothills | $1,050 |
| 18 | Casas Adobes | $1,040 |
| 19 | Oro Valley | $1,020 |
| 20 | Yuma | $983 |
| 21 | Flagstaff | $960 |
| 22 | Prescott | $952 |
| 23 | Sierra Vista | $899 |
| 24 | Bullhead City | $878 |
| 25 | Lake Havasu City | $852 |
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Premium amounts are estimated as specific Scottsdale garaging address can raise or lower prices substantially.
Ending up with a high-quality car insurance company is hard considering how many companies provide coverage in Arizona. The rank data below may help you choose which car insurance companies to look at purchasing coverage from.
These ratings include large insurance companies, so smaller companies that only insure vehicles in Arizona are not included in these rankings. To check rates and find the cheapest rates for single moms, click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
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Data Source: Insure.com Best Car Insurance Companies
The diagram below demonstrates how choosing different deductibles can affect insurance prices when trying to find cheap insurance for single moms. The data assumes a single female driver, full physical damage coverage, and no discounts are taken into consideration.
As shown above, a 40-year-old driver could reduce rates by $322 a year by switching from a $100 deductible up to a $500 deductible, or save $484 by selecting a $1,000 deductible. Even younger drivers, like the 20-year-old example, could shave $824 every year just by using higher deductibles.
If you do decide to increase your deductibles, it will be required to have additional funds in a savings account to allow you to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
Should you buy full coverage?
Finding cheaper auto insurance is important to most vehicle owners, and one common way to find cheaper insurance for single moms is to only buy liability coverage. The chart below illustrates the comparison of insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The premium estimates are based on a clean driving record, no claims, $1,000 deductibles, single marital status, and no discounts are factored in.
As an overall average, physical damage insurance costs $1,263 per year more than just buying liability only. That is a large expense which might make you wonder if paying for full coverage is a waste of money. There is no set rule to delete full coverage, but there is a general convention. If the yearly cost for physical damage coverage is more than 10% of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.
Last year’s bargain might be this year’s rip off
Arizona auto insurance rates are determined by lots of factors which can substantially change the price you have to pay for coverage. Getting older, increasing deductibles, or getting a reckless driving citation may generate price changes that can now make some companies affordable when they were higher priced.
Not only that, but insurers file new rates multiple times each year in order to be able to pay unexpected claims. Higher than usual claims may cause more expensive prices, while profitable underwriting may produce cheaper Scottsdale car insurance rates.
For example, the data below shows a variety of companies that have the cheapest car insurance in Scottsdale, AZ for a 30-year-old female driver with no prior claims, no tickets, and good financial standing. If we compare prices based on her current situation, The Hartford may offer the best car insurance rates in Scottsdale at $1,074 annually. This is $354 less than the average price paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Progressive are also on the list of the top five cheapest Scottsdale, AZ auto insurance companies.
In this example, we will give the driver in the first chart a chargeable accident, slightly worse credit, and a stop sign violation. Due to the fact that each insurance company has a proprietary formula to establish rates, comparing insurance quotes may result in a significantly different list of companies as shown below.
GEICO now has the cheapest auto insurance in Scottsdale, AZ with Allied, Ameriprise Group, CSAA, and Farm Bureau Mutual also being competitive. This example shows why it is so important to compare rates to get the best auto insurance rates for single moms. Auto insurance prices can be determined by many different factors and change substantially, so the cheapest rate the last time you compared rates may now be one of the more expensive options.