Car Insurance for Single Parents

If you're looking for car insurance for single parents, there are plenty of ways to accomplish this. Single parents also have plenty of ways they can save money on their policy.

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UPDATED: Jun 23, 2022

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Written By: Chris TepedinoReviewed By: Laura WalkerUPDATED: Jun 23, 2022Fact Checked

The Rundown

  • Single parents may have their children with them more often than other parents 
  • There are additional types of insurance available for single parents 
  • There are ways for single parents to get additional coverage at more affordable rates 

Being a parent is a serious responsibility, and one of the primary concerns is caring for your family within your budget. Finding the right car insurance coverage for single moms and dads is essential. Knowing many of the car insurance basics can definitely help out when it comes time to find the right policy. Do insurance companies provide additional coverage to help single parents keep their children safe? And what are some ways you can keep the rates affordable? We’ll cover a few ways you can find car insurance assistance for single moms and dads.

Car Insurance for Single Parents

According to The Pew Research Center, the number of single parents is rising, and single moms and dads need options for keeping their families safe while staying within budget. What types of auto insurance provide help for single parents? And in what specific situations will you need to address the details of your policy? Below are a few things to keep in mind when finding car insurance for single moms and dads. 

Car Insurance With Increased Coverage for Single Parents

Minimum auto insurance coverage in most states will only cover injuries caused to someone else. But making sure they are adequately covered is particularly important to most single parents as they are usually the primary — if not the only — breadwinners. Such parents will also want to make sure their children are also sufficiently covered since they will often have them in the car with them. You can increase your coverage with any of these options:

Most insurance companies offer these types of additional coverage that can help provide single moms and dads with peace of mind.

Other Car Insurance Add-Ons That Can Help Single Parents

Many single parents are extremely busy and already have their hands full, so most can also benefit from the help provided through insurance coverage add-ons, such as:

These enhancements may be an especially attractive option for single moms.

Single Parents With Teen Drivers

If your teen has a driver’s license, adding them to your existing policy is likely the best way to go. While insuring a teen driver is expensive because of the risk they represent, adding your teen to your policy will be less expensive than purchasing a policy for them. 

Auto insurance companies offer student discounts and other incentives to help you keep the rates more affordable. And if your teen goes away for school, you may also qualify for a distant driver discount.

Auto Insurance for Divorced Parents

A change in marital status may affect your insurance rates since insurance companies calculate them based in part on driver demographics. Divorced parents with teen drivers may both need to add their children to their policy to ensure full coverage. 

Talk to your insurance company about the details of your status as well as any pertinent custody arrangements to see what options are best for your needs.

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How can single parents keep insurance rates affordable?

It’s no secret that many single parents are concerned about their budget, and auto insurance is part of the cost of living. Some may think that there’s no way they can afford additional coverage, but it may be more expensive to overlook the options. So what can single parents do to make better coverage more affordable?

Insurance companies offer discounts for various things, and some single parents may be able to take advantage of:

  • Defensive driving courses– Drivers who enroll in and pass defensive driving courses may qualify for discounts, making full-coverage insurance more affordable.
  • Driving record– Drivers with an impeccable record represent a low risk for insurance providers, so they often qualify for discounts.
  • Make and model of car– Newer cars and certain makes and models are expensive to repair or replace. So do your homework and find a reliable car that qualifies for lower insurance rates. 
  • Credit score– Customers with a good credit score also represent a lower risk for insurance companies because their rating shows they are more likely to pay on time. For this reason, they may qualify for discounted rates.
  • Student discounts– Single parents who are still in school may qualify for student discounts. There may be limiting factors, such as age or grades, but ask your insurance provider if you can cash in on those extra hours you’re spending in school.

Do what you can to qualify for the discounts that are available. However, because insurance rates are also based on age, gender, race, and other demographics, there may be little you can do to change yours.

The Bottom Line on Buying Car Insurance as a Single Parent

When purchasing auto insurance for single parents, additional coverage may mean increased safety, help in a time of need, and reimbursement for certain expenses. But additional coverage doesn’t have to mean expensive rates. If you shop around for discounts, you may be able to make better coverage more affordable.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

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