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.

Cheapest Vehicles to Insure for Single Moms in Kansas
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
Toyota Prius $722
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
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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.

Most expensive Kansas cities for auto insurance
Rank City Premium Per Year
1 Garden City $1,461
2 Dodge City $1,407
3 Liberal $1,376
4 Kansas City $1,355
5 Great Bend $1,247
6 Wichita $1,219
7 Leavenworth $1,184
8 Pittsburg $1,166
9 Derby $1,165
10 Hays $1,159
11 Hutchinson $1,148
12 Emporia $1,134
13 Junction City $1,116
14 Leawood $1,114
15 Topeka $1,114
16 Lawrence $1,112
17 Shawnee $1,105
18 Manhattan $1,102
19 Overland Park $1,094
20 Gardner $1,088
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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.

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.

Top Ten Car Insurance Companies for Single Moms in Kansas
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
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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.