It would sure make life easier if we could simply give you the name of the one Kansas auto insurance company that has the best insurance prices for single moms in Kansas. It's not that easy, however, as there are a whole slew of unknown elements such as if you have maintained coverage continuously, how old you are, the safety features built into your vehicle, and what level of deductibles you wish to have, that all have an effect on the price. In this article, we will teach you about some of these factors and hopefully give you enough understanding to have a jump start in finding the best auto insurance for single moms.
The type of vehicle that is being insured is one of the main factors when comparing the lowest-priced insurance for single moms. Vehicles with reasonable performance levels, an excellent safety record, or a low likelihood of liability claims will cost quite a bit less to insure than high performance models.
The next list presents auto insurance rates for a handful of the most economical vehicles to buy insurance for.
|Make and Model||Estimated Cost for Full Coverage|
|Honda Accord LX 4-Dr Sedan||$569|
|Honda CR-V EX-L 2WD||$583|
|Ford Explorer XLT AWD||$639|
|Toyota RAV4 Limited 4WD||$675|
|Volkswagen Jetta LE 4-Dr Sedan||$682|
|Nissan Altima 2.5 4-Dr Sedan||$675|
|Ford Escape XLT 4WD||$716|
|Ford F-150 STX Regular Cab 2WD||$718|
|Ford Edge SE 2WD||$727|
|Ford Fusion SE 4-Dr Sedan||$731|
|Nissan Rogue S 2WD||$725|
|Jeep Wrangler Unlimited Rubicon 4WD 4-Dr||$746|
|Ford F-350 XL Super Cab Turbo Diesel 2WD||$747|
|Toyota Tacoma 2WD||$759|
|GMC Sierra SL Extended Cab 2WD||$775|
|Chevrolet Equinox LS AWD||$784|
|Dodge Ram Crew Cab Sport 2WD||$785|
|Dodge Ram 3500 Crew Cab Laramie 2WD||$788|
|Chevrolet Impala LS||$809|
|Ford Focus S 4-Dr Sedan||$814|
|Toyota Camry XLE||$814|
|Toyota Corolla LE||$823|
|Compare Cheap Rates Go|
Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Kansas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Price estimates do not factor in zip code location which can revise price quotes noticeably.
Based upon the rates shown, you can assume that vehicles like the Honda Accord, Honda CR-V, Ford Explorer, Toyota RAV4, and Volkswagen Jetta are most likely to be the most affordable vehicles to insure for single parents.
One of the more important considerations that are used to help calculate the annual cost of car insurance is where you keep your vehicle in Kansas. Areas with increased crime or more people like Garden City, Liberal, and Great Bend will most likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower prices.
The information below shows the most costly cities in Kansas for single moms to buy auto insurance in.
|Rank||City||Premium Per Year|
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Rate information is comparative as zip code location can revise rates considerably.
Get discount Kansas car insurance
Insurance providers that provide coverage for single moms may additionally offer price discounts that may potentially lower prices by as much as 35% or more if you qualify. Popular car insurance companies and a selection of discounts can be read below.
- Progressive may include discounts for good student, online quote discount, multi-policy, continuous coverage, and multi-vehicle.
- Farmers Insurance has savings for early shopping, distant student, electronic funds transfer, switch companies, and pay in full.
- Farm Bureau includes discounts for multi-policy, 55 and retired, driver training, multi-vehicle, and renewal discount.
- State Farm offers premium reductions for student away at school, driver's education, anti-theft, passive restraint, multiple autos, Drive Safe & Save, and defensive driving training.
- GEICO discounts include daytime running lights, good student, anti-theft, air bags, federal employee, anti-lock brakes, and five-year accident-free.
- SAFECO policyholders can earn discounts including teen safe driver, accident prevention training, multi-car, safe driver, anti-lock brakes, bundle discounts, and homeowner.
- Liberty Mutual offers discounts including exclusive group savings, safety features, teen driver discount, new graduate, and new move discount.
The example below compares premium costs with and without discounts applied. The prices are based on a female driver, no claims or driving citations, Kansas state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.
The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with passive restraint, vehicle safety, defensive driving course, anti-theft, accident-free, and marriage discounts applied. With discounts applied, the the amount saved on car insurance for single moms is 28% or $434.
How to find a good Kansas car insurance company
Choosing a high-quality insurance company can be a challenge considering how many companies provide coverage in Kansas. The company information below may help you choose which providers you want to consider when trying to find the cheapest insurance for single moms.
The rankings below are only made up of insurance companies that insure vehicles in the majority of U.S. states, so companies that have a smaller presence are not factored into the list. If you wish to compare rates from the insurers below and more, just click here.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Rate difference between full and liability-only coverage
Saving money on car insurance should be important to the majority of drivers, and one easy way to save on the cost of insurance for single moms in Kansas is to buy liability only. The diagram below compares insurance rates with and without full coverage. The rates are based on no tickets, no at-fault accidents, $250 deductibles, single status, and no additional discounts are factored in.
Averaged for all age groups, comprehensive and collision coverage on your policy costs $1,509 per year over and above liability coverage. That raises the question if it's worth it to buy full coverage. There is no exact formula to drop full coverage, but there is a general guideline. If the yearly cost of comp and collision coverage is 10% or more of the vehicle's replacement cost less your deductible, then you might want to consider buying only liability coverage.
For example, let's say your vehicle's claim settlement value is $11,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $10,000 after the policy deductible has been paid. If it's costing you more than $1,000 a year for full coverage, the it may be a good time to stop paying for full coverage.