How Much is Auto Insurance for Single Moms in San Diego?

The vehicle model requiring coverage is probably the largest consideration when comparing cheaper auto insurance for single moms. Vehicles with lots of speed or power, poor safety ratings, or a history of substantial liability claims will cost quite a bit more to insure than safer models.

The next list presents auto insurance rates for a selection of the most economical automobiles to insure.

Cheapest Vehicles to Insure in San Diego, CA
Make and Model Estimated Cost for Full Coverage
Hyundai Elantra SE Touring Station Wagon $933
Ford Escape Limited 4WD $938
Jeep Wrangler Rubicon 4WD 2-Dr $967
Honda CR-V LX 2WD $988
Ford Focus S 4-Dr Sedan $1,001
Ford F-150 SVT Raptor Super Cab 4WD $1,041
Nissan Rogue S 2WD $1,091
Chevrolet Equinox LTZ AWD $1,093
Volkswagen Jetta S 2.5 Station Wagon $1,146
Honda Accord EX-L 4-Dr Sedan $1,153
Toyota Tacoma 2WD $1,148
Nissan Altima 2.5 S 2-Dr Coupe $1,165
Toyota Prius $1,171
Toyota RAV4 Limited 2WD $1,180
Dodge Ram 3500 Mega Cab SLT 2WD $1,186
Ford Explorer Eddie Bauer AWD $1,192
Honda Civic VP 4-Dr Sedan $1,209
GMC Sierra 2500HD SLE Crew Cab 2WD $1,220
Ford Edge SE AWD $1,224
Toyota Corolla S $1,232
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Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Rate quotes do not factor in the specific area where the vehicle is garaged which can influence premiums substantially.

Looking at the data, cars like the Hyundai Elantra, Ford Escape, and Jeep Wrangler are most likely going to be some of the most economical vehicles to insure for single parents.

For single parents, one of the big things that are looked at to determine auto insurance rates is where you live. Areas with high crime rates or more dense population tend to have higher rates, whereas more rural areas can boast about having cheaper rates.

The following table ranks the most expensive cities in California for single moms to buy auto insurance in. San Diego is ranked at #24 with the yearly price of $1,327 on average, which is about $111 monthly.

How much is car insurance in San Diego?
Rank City Premium Per Year
1 Los Angeles $2,083
2 Glendale $2,058
3 San Francisco $1,745
4 Oakland $1,704
5 Sacramento $1,703
6 Long Beach $1,626
7 San Bernardino $1,596
8 Santa Clarita $1,595
9 Fontana $1,581
10 Stockton $1,541
11 Modesto $1,532
12 Riverside $1,527
13 Fresno $1,517
14 Garden Grove $1,508
15 Moreno Valley $1,491
16 Anaheim $1,474
17 Santa Ana $1,439
18 Huntington Beach $1,416
19 San Jose $1,395
20 Fremont $1,361
21 Bakersfield $1,353
22 Chula Vista $1,350
23 Irvine $1,330
24 San Diego $1,327
25 Oxnard $1,304
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Rate information is approximated as the specific San Diego residence address can modify premium rates noticeably.

Deciphering which company quotes the cheapest auto insurance rates for single moms calls for a little more sweat in order to find the best price. Every auto insurer uses their own method to determine rates, so let’s look at the rankings for the overall cheapest auto insurance companies in San Diego.

Lowest Insurance Price Quotes for Single Moms

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California auto insurance company rankings
Rank Company Cost Per Year
1 USAA $1,121
2 Wawanesa $1,157
3 Nationwide $1,213
4 Century National $1,214
5 CSAA $1,222
6 21st Century $1,366
7 Grange $1,491
8 Allstate $1,497
9 Mercury $1,503
10 GEICO $1,529
11 Allied $1,556
12 Progressive $1,558
13 MetLife $1,606
14 The Hartford $1,639
15 Esurance $1,688
16 Unitrin $1,733
17 State Farm $1,750
18 Travelers $1,788
19 Bristol West $1,849
20 Farmers $1,966
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USAA has some of the most affordable car insurance rates in San Diego at around $1,121 per year. This is $530 less than the average rate paid by California drivers of $1,651. Wawanesa, Nationwide, Century National, and CSAA also qualify as some of the best San Diego, CA insurance companies.

As illustrated above, if you are a customer of Wawanesa and switched to USAA, you could earn a yearly savings of in the neighborhood of $36. Drivers with Nationwide may save as much as $92 a year, and Century National insureds might reduce rates by $93 a year.

To find the cheapest coverage for you, click here to get quotes or quote rates from the companies below.

Bear in mind that those policy prices are averaged for all insureds and vehicles and and are not figured with an exact vehicle garaging location for single moms. So the insurer that fits your age and vehicle best may not even be in the list above. That’s why you need to compare as many prices as possible using your own individual information.

Types of discounts on San Diego insurance rates

Auto insurance for single parents in San Diego, CAInsurance providers that offer cheap quotes for single moms may have rate discounts that may potentially lower prices by as much as 35% if you are eligible to receive them. A few of the larger companies and their offered discounts are included below.

The diagram below shows the difference between car insurance rates with and without discounts. The rate quotes are based on a female driver, no claims, a clean driving record, California state minimum liability limits, full physical damage coverage, and $500 deductibles.

The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with marriage, homeowner, defensive driving course, vehicle safety, anti-theft, and safe-driver discounts applied. When these discounts are applied, theaverage yearly reduction on auto insurance for single moms is 28% or $549.

The example below demonstrates how deductibles can impact insurance costs when researching cheap insurance for single moms. The rate quotes are based on a married female driver, full coverage, and no discounts are applied.

In the chart above, a 50-year-old driver could pocket $300 a year by switching from a $100 deductible up to a $500 deductible, or save $456 by choosing a $1,000 deductible. Younger drivers, like the 20-year-old, could reduce their rates $750 or more just by using higher deductibles. If you make the decision to raise deductibles, it will be required to have spare funds to satisfy the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

Why you should be comparing rates

San Diego auto insurance rates are influenced by many factors which can substantially change the price you have to pay. Getting older, buying a home instead of renting, or getting a speeding ticket may cause policy rate changes that may make certain companies cheaper than competitors. Not only may your situation change, but companies change prices as often as every three months to adjust for unexpected claims or profits. Higher than usual claims can result in higher prices, while better underwriting may produce lower-cost San Diego car insurance rates.

For instance, the data below shows the cheapest car insurance in San Diego, CA for a 35-year-old female driver with no prior claims, no tickets, and great credit. If we estimate prices based on her current rating profile, USAA has the best car insurance rates in San Diego at $1,204 a year. This is $447 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA are also included in the top five cheapest San Diego, CA auto insurance companies.

Let’s now give the driver in the first example a chargeable claim, a lower credit rating, and a stop sign violation. Since each auto insurer has a unique formula to determine rates, comparing prices may now present a slightly different list of the cheapest San Diego car insurance companies as shown below.

Grange now has the lowest car insurance rate in San Diego, CA with Progressive, Mercury, Allstate, and GEICO now being in the top five. This example shows why it is important to spend some time comparing rates when trying to find the most affordable car insurance rates for single moms. Rates are determined by many things and change dramatically, so the lowest-price company when you bought your policy may now be wasting a lot of money.

How to find the cheapest car insurance for single moms

Below you’ll find some of the better penny-pinching solutions that can help drivers get more affordable coverage.

The last tip in the list is certainly significant, as was pointed out in the prior article. Rates in San Diego vary greatly, so don’t be afraid to buy a policy from a new company if a lower-cost policy is available. Having brand loyalty is commendable, but it’s not a great idea if that inflexibility results in costing you lots of hard earned cash every month. If you have a few minutes, compare rates to find cheaper auto insurance for single moms.

The auto insurance agents in San Diego shown below can most likely help you make a decision which is the best policy, since many consumers aren’t sure which coverage to buy and prefer to get some help when trying to find lower insurance rates for single parents. It can be hard to find the cheapest rate yourself, and getting advice from a licensed California insurance agent can give satisfaction knowing your coverage gives you adequate protection in the event of a claim.

To find an auto insurance agency close to where you live, click the button following the list or click here to get price quotes now.

View map of San Diego, CA insurance agents