Car Insurance for Single Parents

Car insurance for single parents will reflect that your children are likely going to be in the car with you more often. It’s important to look into options to add to your insurance policy to make your car safer. Additional types of auto insurance for single parents will cost more, so it's a good idea to look into what types of discounts you can qualify for to help cut down on these costs. Start here with our free insurance quote comparison tool below.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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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

UPDATED: Nov 14, 2020

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For a single parent, the cost of car insurance is going to be important, but so will such things as making sure you can be at the daycare by 6pm, and knowing that your children are being kept safe while you drive them to the places you have to go. For single parents, leaving the children at home while you go shopping is not always an option, so your car insurance should reflect the fact that you have precious cargo on board more frequently than some parents. Here are some suggestions of ways the single parent can beef up their coverage to make the car a safer place to be.

Personal Injury Protection

Most states require you to carry bodily injury insurance, but that only covers the injuries your car causes to someone else, not the injuries sustained by you and your passengers. Personal injury protection will pay for your own medical bills after an accident, and should be considered essential coverage for a single parent.

Collision Coverage

Collision coverage will pay for repairs to your own vehicle. The mandatory damage liability required in most states pays for the other vehicles to be repaired, but leaves the at-fault driver’s vehicle untouched. With collision coverage, your car will be repaired, allowing you to get your life back together and causing less impact to your family.

Roadside Service

If your car breaks down or you get a flat tire on a rainy night, having roadside assistance on your insurance can be a lifesaver. This is a special rider policy that you purchase along with your car insurance which allows you to call for assistance rather than put yourself or your family into unnecessary danger.

Free Towing

Free towing will let you get your car towed to a repair facility with little or no out of pocket expense. Some policies require you to make the initial towing payment and then reimburse you when the claim is settled.

Rental Car Reimbursement

Another optional coverage is rental car reimbursement. If your car is totaled in an accident, this rider policy will allow you to receive the money you spend to rent a temporary vehicle back when the claim is settled. It does not eliminate the immediate cost of renting the car, but it does take the burden of having a rental car off you, as a single parent.

Getting More without Paying More

These extra types of coverage all come with additional costs, and a single parent may be pinching pennies already. To make it possible to get the additional coverage your family needs, look for car insurance discounts that will bring down the cost of your premiums. Your job, a college degree and where you live and park your car are all possible sources of discounts, or you can take a voluntary driver improvement course to receive state-mandated car insurance discounts.

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