Car Insurance for Single Parents

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Important facts to know...

  • If you’re a single parent, it’s possible that your marital status could have an impact on your insurance rates
  • Many insurers classify single and divorced drivers as a higher risk than married drivers
  • If you’re in the process of separation, you’ll have to buy your own insurance and may lose out on discounts
  • Having children in the home won’t have an affect on your auto insurance until they are old enough to possess a license
  • When your teen reaches 15 or 16 and they test for their permit, they will have automatic coverage

It’s hard enough to raise children as a couple, but it’s twice as difficult when you’re child-rearing on your own. In those frustrating moments of parenthood, it’s easy to say that people just don’t understand what it’s like to live life as a single parent.

While some people don’t get how hard it can be to balance your professional and personal life, there are more than 20 million single-parent families in the US.

If you’re only living off of a single income, you have to be much more aware of your budget and your spending. You can’t cut out bills for your rent, your food, and your insurance, but you can shop around to find the best deals.

Find the best deal right here by comparing car insurance quotes side-by-side!

Before you start looking for auto insurance, here’s a special consumer guide suited just for single parents:

Your Marital Status Can Affect Your Rates

Many people know that being married has its perks. One of the most common perks is that married couples enjoy a more favorable income tax bracket which reduces their tax burden when they file jointly.

The IRS gives married couples a tax break, but that’s not the only place where being married can pay off.

When you’re buying auto insurance, your marital status will be used to generate a quote. You might think you’re the same person married or single, but to the insurer, you represent more of a risk as an unmarried driver.

Singles are in the highest risk class, followed by divorcees, widows/widowers, domestic partners, and then married drivers.

How much more do you pay when you’re single?

It’s not reasonable to rush out in search of a spouse just to lower your insurance rates. It’s important that you marry for the right reasons and not for the perks.

If you’re engaged and you’ve been putting off your wedding, finding out how much you could potentially save for tying the knot might push you to act faster.

If you’re a young single parent, your marital status will have a much greater effect on your rates, especially if you’re a young male driver.

Studies show that single males in their 20s pay 25 percent more than their married counterparts. A single woman in their 20s pays 28 percent more than their counterparts.

Why do single drivers pay more than married drivers?

It might feel a bit like discrimination when you’re being charged more simply for being a single individual who’s decided not to take the leap. You might have a point, but if you’re basing your argument off of fact, statistics actually point to married individuals being safer drivers.

According to studies conducted by R Street Institute, married people have fewer accidents than single people.

It’s been speculated that this lower accident statistic is because marriage makes people more cautious which translates into safer and more responsible driving habits. Not all people fit into this box, but the group data shows that a majority do.

Does being a parent affect your rates?

Being single or a divorcee might have a direct bearing on your rates, but the fact that you’re a parent won’t. Whether or not you have children isn’t used to assess risk or calculate a person’s rates. There are, however, indirect ways that parenthood can affect your personal quotes.

In the car insurance world, usage is how you drive your vehicle on a regular basis.

You might take your car on a road trip, but how is the vehicle driven daily? Being a single parent could affect your vehicle usage. If you’re unemployed or you’re working from home, you’d normally be rated as a pleasure driver.

Unfortunately, you can’t get a low-priced pleasure rating if you’re driving to and from your child’s school on a daily basis.

When you’re commuting to your child’s school, even if you’re not commuting to work, you’ll still pay a commute rate mainly because you have to face stressed drivers in gridlock conditions every morning and afternoon.

What happens to your insurance if you’re newly single?

If you just recently went through a breakup or a divorce, it could change your insurance needs and how you structure your insurance. When people live together, they can buy their auto insurance together and save money by combining their insurance.

When you separate physically and emotionally from your partner, you have to separate everything including your insurance. That means that you’ll have to get quotes for a new policy in your name so that you can price how much it will cost you to branch off.

Unfortunately, if you decide to get a new policy you could miss out on these discounts:

  • Multi-car
  • Multi-line
  • Insurance loyalty
  • Insurance history

When will your children affect your insurance rates?

If you have kids and you’re worried about paying skyrocketing rates because of it, you have time to save. Your car insurance rates don’t have to increase until after your child has become a teenager and they have earned their license.

You don’t even have to add your teen when they have a permit because they will be covered automatically.

As soon as your teen gets their license you’ll have to take action to find savings. Good Student Discounts, Driver’s Training Discounts, and College Student Discounts can all help lower your premiums.

You can still expect an average increase of 78 percent when you add a driver under 18 to your insurance.

Single parents can find great deals on car insurance and other insurance products by shopping around. If you’re paying too much now or you’re in need of a separate policy, use the Internet and you can get instant quotes in minutes any time of day and any day of the week.

As soon as you have quotes to compare, you can make an informed decision. Enter your zip code into our free comparison tool today!

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