Wouldn’t this article be short if we could tell you instantly the one company that has the cheapest rate quotes for single moms? Unfortunately, it’s not that simple as there are a ton of unknown aspects like what physical damage coverage deductibles you want, if you are a homeowner, how safe your vehicle is, and your marital status, that all help calculate your car insurance rates. This article delves into the things that cause high insurance rates and should give you a jump start in finding the best auto insurance in Fort Worth.
The car, truck, or SUV to be insured is one of the main factors when shopping for the best cheap insurance for single moms. Vehicles with reasonable performance levels, good crash test ratings, or low incidents of liability claims will cost significantly less to insure than fast, unsafe models. The table below shows auto insurance rates for some of the more affordable vehicles to buy coverage for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 2WD | $884 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $974 |
| Chevrolet Impala LT | $1,046 |
| Jeep Grand Cherokee Laredo 4WD | $1,051 |
| Dodge Grand Caravan Crew | $1,068 |
| Honda Civic LX-S 4-Dr Sedan | $1,083 |
| Honda Accord EX-L 4-Dr Sedan | $1,100 |
| Honda Odyssey EX-L W/Navigation | $1,102 |
| Honda CR-V EX-L 2WD | $1,113 |
| Toyota Prius | $1,121 |
| Nissan Rogue S AWD | $1,127 |
| Kia Optima LX | $1,121 |
| Dodge Ram Quad Cab SLT 2WD | $1,143 |
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Rate quotes do not factor in your specific Fort Worth, TX location which can revise coverage rates considerably.
Looking at the numbers, models like the Ford Escape, Jeep Wrangler, and Chevrolet Impala are some of the most affordable vehicles to insure for single parents.
One of the more important criteria that are used to help calculate the price you pay for insurance is where your car is garaged in Fort Worth. Cities with larger populations or higher claim trends tend to have higher auto insurance costs, whereas areas that tend to be more rural have the luxury of cheap car insurance rates.
The illustration below shows the most expensive places in Texas for single moms in which to purchase auto insurance. Fort Worth shows up at #18 with a yearly premium of $1,621 for coverage, which is about $135 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | McAllen | $1,956 |
| 2 | Dallas | $1,911 |
| 3 | Laredo | $1,907 |
| 4 | Houston | $1,853 |
| 5 | Brownsville | $1,851 |
| 6 | Amarillo | $1,840 |
| 7 | Grand Prairie | $1,811 |
| 8 | Pasadena | $1,794 |
| 9 | Garland | $1,778 |
| 10 | Irving | $1,772 |
| 11 | Mesquite | $1,753 |
| 12 | Beaumont | $1,720 |
| 13 | Lubbock | $1,716 |
| 14 | Arlington | $1,709 |
| 15 | Austin | $1,676 |
| 16 | San Antonio | $1,671 |
| 17 | El Paso | $1,632 |
| 18 | Fort Worth | $1,621 |
| 19 | Carrollton | $1,598 |
| 20 | Corpus Christi | $1,588 |
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Rate information is comparative as the specific garaging location can lower or raise coverage prices significantly.
Comparison of full coverage and liability-only policies
Reducing premiums for auto insurance should be important to most vehicle owners, and one of the easiest ways to pay lower rates for insurance for single moms is to not buy comprehensive and collision coverage. The information below compares car insurance rates when comparing full coverage to liability only. The costs are based on no tickets, no at-fault accidents, $100 deductibles, single marital status, and no discounts are factored in.
As an overall average, full coverage costs an extra $2,974 per year more than just insuring for liability. That touches on the question if it’s worth it to buy full coverage. There isn’t a steadfast formula to delete physical damage insurance, but there is a general school of thought. If the annual cost of coverage is more than about 10% of the settlement you would receive from your company, then you may want to consider only buying liability coverage.
For example, let’s assume your vehicle’s claim settlement value is $9,500 and you have $1,000 deductibles. If your vehicle is totaled, the most you would get paid by your company is $8,500 after paying your deductible. If it’s costing in excess of $850 annually for your policy with full coverage, then you may want to consider only buying liability coverage.
Insuring your vehicle with the highest-rated auto insurance company can be challenging considering how many companies there are in Fort Worth. The ranking information displayed below could help you pick which companies to look at when looking for cheaper rates.
The rankings below are only made up of large, nationwide insurance companies, so companies that focus mainly on Texas business are not included in the list. To compare prices from these and other top-rated companies, click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
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Data Source: Insure.com Best Car Insurance Companies
Careless driving habits raise auto insurance rates
The easiest method to find the most affordable auto insurance premiums in Texas for single parents is to be a good driver and avoid accidents and traffic citations. The illustration below highlights how traffic violations and accident claims can increase car insurance costs for each different age group. The premium estimates are based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.
In the chart above, the average cost of car insurance in Texas per year with a clean driving record and no accidents is $1,358. Add in two speeding tickets and the average cost rises to $1,864, an increase of $506 each year. Now throw in one accident along with the two speeding tickets and the annual cost of auto insurance for single moms increases to an average of $2,377. That’s an increase of $1,019, or $85 per month, just for not driving responsibly!