Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Written by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Apr 14, 2022

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In a nutshell...

  • The best way for single moms to find the best rates is to shop around and get rate quotes with several companies
  • If you’re comparing, be sure to get quotes for the same amount of insurance so you can accurately compare rates
  • As a parent, be sure to buy a safe vehicle to protect your kids and also to get special auto insurance discounts
  • You don’t have to add your kids to your policy until they have passed their permit and licensing test
  • Being a parent won’t affect your rates, but your marital status could be used when considering your rates

If you’re a single mom, you know how challenging child-rearing can be when you’re living off of a single income. Since you don’t have a spouse or a significant other to lean on, it’s never been more important to save money on all of your recurring bills and larger living expenses.

You can’t forgo life without things like car insurance, but you can shop around to find the best value.

Balancing your work life, your finances, and your home life can be a huge challenge when you’re parenting all by yourself.

There are more than 12 million single-parent families in the U.S. headed by mothers. Let’s discuss how you and others in your situation can shop for affordable car insurance.

If you are a single mother looking for better auto insurance rates, compare three to four auto insurance quotes to get the best fit for you! Enter your zip code above to get started!

Does it affect your rates if you’re a parent?

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Being in a kid-free home doesn’t qualify you for an auto insurance discount.

As distracting as your infants and toddlers can be in the car, insurers can’t charge any auto insurance applicant or policyholder more money just because they are a parent or an infant, a toddler, or a child.

Teens could have an impact on your rates only when they start to drive.

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How does your marital status affect your premiums?

While driving around with a child in your vehicle isn’t considered a legitimate reason to fall into a high-risk class, your marital status could affect your premiums.

If you were married and you’re not separated or divorced, your rate for insurance could go up. While many don’t agree, marriage has a statistical impact on your driving behavior.

According to the data that’s been reported, married couples drive more responsibly.

The change in rates is most dramatic for younger male drivers, but as a single mom, you could see a slight increase when you change your marital status.

Will your rates change if you change occupations?

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Life events can lead to a domino effect of change. If you find yourself to be a single parent, you have to consider pursuing a different career that’s going to help you pay the bills.

What you did for a living as a married parent might not cut it as a single parent.

If you do change occupations, contact your insurer to see how the change will affect your rates. Almost all insurers use occupational risk classes that take into account what drivers do for a living.

If you’re a nurse or a teacher, you’ll receive a favorable rating. If, however, you pursue a career in something like entertainment or nightlife, you’ll be stuck paying higher premiums.

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Can going back to school get you discounts?

If you had your children young, you might be waiting for them to reach school age before you can return to school to earn your degree.

It’s hard to balance all of the school work and your actual work when you have toddlers running around your home, but it’s more feasible when they’re in the classroom as well.

While you’re studying for your degree, you’re not going to be able to receive any special discounts as long as you’re over 25.

Drivers 25 and younger can get a Good Student Discount if they earn a 3.0 or higher while in school.

After you’ve earned an Associate’s, Bachelor’s, or Master’s degree, you’ll get a better rating for your level of educational attainment.

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Do you know how a move will affect your rate?

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When you move into a new home, you often focus on choosing a safe neighborhood that’s kid-friendly and in a good school district.

These are all important factors to consider, but you also need to see how your insurance rates will change in your new zip code.

Insurance premiums are strongly influenced by where you live. It’s not just the state that matters, but also the zip code. Even a change in one digit can quickly raise your rates.

The main reason why zip code is so important is that more claims are filed in densely populated areas with high property crime rates.

Does driving your kids to school affect your rates?

You’re labeled as a commuter when you drive to and from work. You’re also a commuter if you don’t drive to work, but you do drive your children back and forth to school each day of the week.

When you walk, bike, or take public transportation, you can get a low-risk pleasure rating.

When do you need to insure your kids on your car insurance policy?


Being a parent does become costly when your kids reach an age where they can legally start to drive. While they’re young, you don’t think much about what it will cost you when you grant your kids permission to get their license.

What you don’t realize is that your child getting their driver’s license can cost you a lot.

If your children live with you, they need to be listed on your policy when they get their license. Most teens start off with a permit unless they wait until the age of majority to apply.

During the permit phase, you don’t have to pay premiums for your teen. It’s when they pass the licensing exam that they become a risk to the insurer.

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How to Save When You House a Teen Driver

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When it comes time to add your teen to your policy, it’s best to shop around for good rates. Here are some ways to save:

  • Buy a safe, low-cost car
  • Carry liability-only on the car your teen drives
  • Raise your physical damage deductibles
  • Assign your teen as an occasional driver

When you’re single and you’re handling everything on your own, you have very little time to spend comparison shopping.

If you’re looking to find the lowest rates in the quickest period of time, use an online rate comparison tool and you can get all of the quotes you need in one sitting.

Try our FREE online quote tool and compare three to four auto insurance policies to find the best one for you! Enter your ZIP code below to begin!