What Insurance is Cheapest for Single Moms in San Francisco?

The vehicle model requiring coverage is one of the primary factors that determines whether or not you can buy the most affordable insurance for single moms. Vehicles with higher performance, poor crash test ratings, or an increased likelihood of liability claims will cost more to insure than more economical and safe models.

The next table shows insurance premiums for a handful of the most economical vehicles to insure.

Cheapest Vehicles to Insure in San Francisco, CA
Vehicle Make and Model Estimated Cost for Full Coverage
Ford Escape XLT 4WD $1,298
Ford Explorer XLT 4WD $1,426
Chevrolet Malibu LS $1,505
GMC Sierra SL Extended Cab 2WD $1,510
Toyota Tacoma Double Cab 4WD $1,505
Chevrolet Equinox LS AWD $1,512
Dodge Ram 3500 Crew Cab Laramie 2WD $1,533
Hyundai Elantra Blue 4-Dr Sedan $1,551
Honda CR-V EX 4WD $1,595
Chevrolet Silverado LTZ Crew Cab 4WD $1,610
Ford Fusion SE 4-Dr Sedan $1,620
Toyota Prius $1,612
Kia Optima LX $1,615
Honda Accord EX 2-Dr Coupe $1,692
Ford Edge SE AWD $1,807
Toyota Camry SE $1,812
Chevrolet Impala LT $1,843
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Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Prices do not factor in San Francisco, CA location which can modify insurance rates greatly.

Looking at the rates, makes and models like the Ford Escape, Ford Explorer, Chevrolet Malibu, GMC Sierra, and Toyota Tacoma will definitely be some of the cheapest vehicles to insure for single parents.

Finding low-priced auto insurance is challenging, and figuring out which companies offer the cheapest auto insurance rates for single moms requires a little more work.

Every insurance company uses their own calculation for setting prices, so first let’s look at the rankings for the most budget-friendly auto insurance companies in San Francisco, CA. It’s important that you understand California auto insurance rates are impacted by many factors which can substantially decrease or increase the price you have to pay for coverage. Simply having another birthday, marrying your spouse, or getting a ticket for careless driving can produce rate changes that can now make some companies much higher than others.

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Rankings for the cheapest car insurance companies in California
Rank Company Cost Per Year
1 USAA $1,109
2 Wawanesa $1,146
3 Century National $1,190
4 CSAA $1,222
5 Nationwide $1,263
6 21st Century $1,338
7 Grange $1,477
8 Mercury $1,548
9 Progressive $1,558
10 Allstate $1,559
11 GEICO $1,575
12 Allied $1,603
13 MetLife $1,638
14 The Hartford $1,639
15 State Farm $1,682
16 Esurance $1,688
17 Unitrin $1,733
18 Bristol West $1,831
19 Travelers $1,860
20 Farmers $2,026
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USAA normally has some of the most affordable car insurance rates in San Francisco at around $1,109 a year. This is $542 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide would also make the list of some of the cheapest San Francisco, CA car insurance companies.

As the rates illustrate above, if you are currently insured with Century National and switched to USAA, you might realize a yearly savings of roughly $81. California drivers with CSAA might save as much as $113 a year, and Nationwide policyholders might see rate reductions of $154 a year.

To compare your rates to other California insurance companies, click here to get a free quote or feel free to get quotes from the companies below.

Bear in mind that those estimates are averages for all types of drivers and the different vehicles they drive and and are not calculated with an exact location for single moms. So the company that is best for you may not even be in the top 24 companies shown above. That affirms the importance of why you need to compare as many prices as possible using your own driver information and specific vehicle type.

Buying coverage from the best company can be a challenge considering how many different companies there are to choose from in San Francisco. The rank data listed below can help you choose which companies you want to consider when buying insurance for single moms. These rankings only include companies that write coverage in many states, so smaller companies that only insure vehicles in California will not be included in the list.

Top 10 Large Auto Insurers Overall in San Francisco

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive

Top 10 Large Auto Insurers in San Francisco Ranked by A.M. Best Rating

  1. USAA – A++
  2. Travelers – A++
  3. State Farm – A++
  4. GEICO – A++
  5. Esurance – A+
  6. Nationwide – A+
  7. Allstate – A+
  8. Mercury Insurance – A+
  9. Progressive – A+
  10. Titan Insurance – A+

How accidents and violations affect rates

The common sense way to receive low auto insurance prices in San Francisco for single parents is to drive carefully and maintain a clean driving record. The chart below illustrates how violations and at-fault claims can raise annual premium costs for different ages of insureds. The premiums assume a single female driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.

In the chart above, the average cost of car insurance in California per year with no accidents or violations is $1,767. Get one speeding ticket and the average cost swells to $2,006, an increase of $239 each year. Then add in one accident along with the one speeding ticket and the yearly cost of auto insurance for single moms increases to an average of $2,662. That’s an increase of $895, or $75 per month, just for not being more responsible behind the wheel!

The importance of comparing San Francisco car insurance rates

California auto insurance rates are determined by lots of factors which can significantly increase or decrease the price of your policy. Simply having a birthday, moving to a new city, or having an at-fault accident can cause premium changes that can cause some rates to be more affordable than competitors. Not only that, but car insurance companies file new rates as often as every three months to help ensure profitability. A period of higher than normal claims can result in high rates, while lower claim expenses may cause cheaper San Francisco car insurance rates.

For instance, the data below shows the company with the cheapest car insurance in San Francisco, CA for a 30-year-old male driver with a clear driving record, no claims, and good financial standing. If we estimate prices based on his current risk factors, USAA has the lowest car insurance rates in San Francisco at $1,420 each year. This is $231 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National are also included in the most affordable San Francisco, CA auto insurance companies.

Let’s now give the driver from above a claim, bad credit, and a few blemishes on his driving record. Since each insurance company has a different formula to set policy rates, getting updated rate quotes most likely will result in a substantially altered list of affordable companies as shown below.

Grange now has the cheapest insurance rate in San Francisco, CA with Allstate, Mercury, Progressive, and GEICO now being in the top five. This example shows why it is crucial to compare rates to get the best auto insurance quotes for single moms.

Prices are calculated by many different factors and can change without notice, so the cheapest company three years ago may now be wasting a lot of money.