The words “cheap” and “insurance” probably shouldn’t be used in the same sentence, in particular when shopping around for the lowest insurance rates for single moms. To help control this cost, let’s start off by going over a few of the things that impact auto insurance prices, and find some ways to lower the cost of your next policy.
Finding low-priced auto insurance is not the easiest thing to accomplish, and determining which company offers the cheapest auto insurance rates for single moms requires even more diligence. Every car insurance company has a unique formula for filing rates in each state, so let’s take a look at the auto insurance companies with the overall best prices in Texas.
It’s important that readers know that Corpus Christi auto insurance rates are influenced by many factors which can substantially change the cost of coverage. Events like turning one year older, having a teen driver, or getting a ticket for running a stop sign can trigger changes in premium that can cause some rates to be higher when they were quite affordable.
Find Cheaper Auto Insurance for Single Moms
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,041 |
| 2 | USAA | $1,084 |
| 3 | Texas Farm Bureau | $1,235 |
| 4 | Germania Mutual | $1,282 |
| 5 | California Casualty | $1,382 |
| 6 | Esurance | $1,407 |
| 7 | State Farm | $1,450 |
| 8 | Mercury | $1,461 |
| 9 | Safe Auto | $1,549 |
| 10 | Nationwide | $1,600 |
| 11 | Progressive | $1,647 |
| 12 | Allstate | $1,667 |
| 13 | Amica | $1,775 |
| 14 | GEICO | $2,135 |
| 15 | Home State | $2,155 |
| 16 | MetLife | $2,227 |
| 17 | Encompass | $2,324 |
| 18 | Unitrin | $2,333 |
| 19 | 21st Century | $2,469 |
| 20 | Titan | $2,594 |
| View More Rates Go | ||
Travelers offers some of the lowest car insurance rates in Corpus Christi at around $1,041 each year. This is $863 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty would also be considered some of the cheaper Corpus Christi, TX insurance companies.
As the example above demonstrates, if you currently have coverage with Germania Mutual and switched to USAA, you could realize an annual savings of upwards of $198. Drivers with California Casualty may save as much as $298 a year, and Esurance insureds might see rate reductions of $323 a year.
Be aware that those policy rates are averages for all drivers and vehicles and and are not calculated with a specific location for single moms. So the company that has the cheapest rates for you may not even be in the top 23 companies shown above. That points out the importance of why you need to get rate quotes using your own specific driver information and vehicle.
The vehicle model you are buying coverage for is a large factor that determines if you can find cheaper auto insurance for single moms. Vehicles with economical engines, good safety features, or a positive history of liability claims will cost substantially less to insure than higher performance models. The data below features car insurance rates for some of the most affordable vehicles to buy coverage for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 2WD | $906 |
| Honda Accord EX-L 4-Dr Sedan | $981 |
| Dodge Grand Caravan SE | $1,016 |
| Ford Explorer XLT 4WD | $1,024 |
| Chevrolet Malibu LS | $1,072 |
| Chevrolet Silverado LS Extended Cab 4WD | $1,081 |
| Ford Edge Sport AWD | $1,128 |
| Ford Escape XLT 4WD | $1,139 |
| Jeep Grand Cherokee SRT-8 4WD | $1,150 |
| GMC Sierra SLE Extended Cab 4WD | $1,155 |
| Hyundai Elantra SE Touring Station Wagon | $1,208 |
| Chevrolet Impala LT | $1,230 |
| Kia Optima SX | $1,237 |
| Toyota Prius | $1,234 |
| Ford F-150 XLT Super Cab 2WD | $1,247 |
| Start Your Quote Go | |
Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Rates do not factor in specific location which can revise coverage rates significantly.
Based upon these rates, we can expect makes and models like the Honda CR-V, Honda Accord, Dodge Grand Caravan, and Ford Explorer are most likely going to be the more affordable vehicles to insure for single parents.
For single parents, one of the largest things that are looked at to determine the price you pay for insurance is where your residence is. Regions with more people or even just more weather-related claims likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates get the luxury of paying less.
The information below lists the most expensive cities in Texas for single moms to buy car insurance in. Corpus Christi ranks #18 with the yearly price of $1,620 on average, which is about $135 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | McAllen | $1,936 |
| 2 | Brownsville | $1,927 |
| 3 | Dallas | $1,911 |
| 4 | Houston | $1,909 |
| 5 | Laredo | $1,907 |
| 6 | Amarillo | $1,858 |
| 7 | Garland | $1,850 |
| 8 | Mesquite | $1,825 |
| 9 | Grand Prairie | $1,811 |
| 10 | Irving | $1,789 |
| 11 | Beaumont | $1,754 |
| 12 | Pasadena | $1,740 |
| 13 | Arlington | $1,709 |
| 14 | San Antonio | $1,688 |
| 15 | Lubbock | $1,665 |
| 16 | Austin | $1,659 |
| 17 | Fort Worth | $1,653 |
| 18 | Corpus Christi | $1,620 |
| 19 | Carrollton | $1,615 |
| 20 | El Paso | $1,584 |
| Find the Best Rates Go | ||
Premium costs are approximated as specific Corpus Christi zip code can change price quotes greatly.
The example below demonstrates how deductible levels can raise or lower premium costs when quoting cheap insurance for single moms. The price estimates are based on a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.
As shown above, a 50-year-old driver could lower rates by $440 a year by switching from a $100 deductible up to a $500 deductible, or save $660 by changing to a $1,000 deductible. Even younger drivers, such as the 20-year-old chart data, could lower their rates up to $1,446 every year by choosing larger deductibles on their policy.
When increasing deductibles, it is a good idea to have enough savings to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
Picking the highest-rated insurer is hard considering how many different insurance companies sell coverage in Corpus Christi. The ranking data shown below can help you select which companies to look at when trying to find cheaper insurance for single moms. The rankings below are for companies with a nationwide focus, so companies that only write business in Texas or surrounding areas are not included in this list.
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Get discounts on Corpus Christi insurance
Insurance providers that offer coverage for single moms may also provide discounts that could potentially reduce rates by as much as 30% if you meet specific criteria. A few of the larger companies and some of their more popular discounts are shown below.
- GEICO offers discounts for multi-vehicle, federal employee, daytime running lights, defensive driver, driver training, air bags, and membership and employees.
- USAA may include discounts for safe driver, annual mileage, new vehicle, driver training, good student, and family discount.
- Progressive may have discounts that include multi-policy, multi-vehicle, homeowner, continuous coverage, and online signing.
- American Family has discounts for air bags, Steer into Savings, good student, accident-free, defensive driver, bundled insurance, and TimeAway discount.
- Esurance may offer discounts for online quote, Pac-12 alumni, defensive driver, good student, multi-policy, anti-theft, and good driver.
- Farmers Insurance discounts include switch companies, pay in full, teen driver, business and professional, and good student.
- State Farm includes discounts for defensive driving training, anti-theft, student away at school, multiple policy, safe vehicle, and Drive Safe & Save.
The illustration below compares insurance costs with and without discounts. The prices are based on a male driver, no claims or driving citations, Texas state minimum liability limits, comp and collision included, and $500 deductibles.
The first bar for each age group shows premium with no discounts. The second shows the rates with accident-free, multiple vehicle, multiple policy, safe-driver, passive restraint, and defensive driving course discounts applied. When taking advantage of discounts, the average savings per year on auto insurance for single moms is 28% or $496.
Corpus Christi car insurance rates
Texas auto insurance rates are impacted by many factors that will increase or decrease the price of your policy. Turning one year older, buying a home, or getting caught speeding may cause policy rate changes resulting in some companies being much cheaper than others. Also, auto insurance companies file new rates as often as every quarter in order to maintain liquidity for claims. Unexpectedly high claims may result in higher rates, while long-term profits may cause cheaper Corpus Christi car insurance rates.
To help illustrate this point, the graph below shows the company with the cheapest car insurance in Corpus Christi, TX for a 35-year-old male driver with a good driving record, no prior claims, and excellent credit. When comparing rates based on his current risk factors, Travelers has the lowest car insurance rates in Corpus Christi at $1,125 a year. This is $779 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also included in the most affordable Corpus Christi, TX auto insurance companies.
In this next rate comparison, we will give the driver from the first example a claim surcharge, a lower credit rating, and a few traffic violations. Since every car insurance company has a proprietary method for determining rates in each state, analyzing rate quotes may result in a slightly different list of affordable companies as shown below.
State Farm now has the cheapest auto insurance in Corpus Christi with Mercury, USAA, Nationwide, and Safe Auto also being competitive. This example shows why consumers need to take the time to take the time to shop around when trying to find the most economical car insurance rates for single moms. Prices can be altered by many factors and can decrease or increase without notice, so the best price the last time you compared rates may now be costing you a lot of money.