Finding good, cheap car insurance is difficult, and deciding which company has the lowest-priced insurance rates for single moms takes even more shopping around. Every insurance provider uses their own formula for setting rates, so first let’s look at the rankings for the insurance companies with the overall best prices in Colorado.
Cheapest Insurance Rates for Single Moms
|Rank||Company||Cost Per Year|
|15||Colorado Farm Bureau||$1,640|
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The Hartford normally has some of the cheapest car insurance rates in Aurora at around $834 a year. This is $744 less than the average policy premium paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and Travelers also rank well as some of the best Aurora, CO insurance companies.
As depicted above, if you are insured with USAA and switched to The Hartford, you could realize an annual savings of in the vicinity of $195. Drivers with Nationwide may save as much as $309 a year, and Travelers policyholders might lower prices by up to $337 a year.
To find the cheapest rates for your vehicle, click here to start your custom quote or click several companies below for low rates.
Remember that these prices are averages for all types of insureds and vehicles and and are not calculated with a vehicle location for single moms. So the company that fits your situation best may not even be in the top 21 companies in the list above. That points out the importance of why you need to compare rates from as many companies as possible using your own driver and vehicle profiles.
The vehicle you are buying coverage for is one of the primary factors when comparing quotes for the lowest-priced coverage for single moms. Vehicles with high performance features, a lack of advanced safety features, or an increased likelihood of liability claims will cost quite a bit more to insure than more modest models.
The table below features auto insurance premiums for a number of the more affordable vehicles to insure in Colorado.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Honda Accord EX 4-Dr Sedan||$1,237|
|Hyundai Elantra SE Touring Station Wagon||$1,343|
|Honda CR-V EX-L 4WD||$1,449|
|Volkswagen Jetta S 4-Dr Sedan||$1,462|
|Dodge Grand Caravan Hero||$1,467|
|Ford Escape XLS 4WD||$1,515|
|Toyota Corolla S||$1,540|
|Nissan Altima 2.5 S 4-Dr Sedan||$1,547|
|Chevrolet Silverado LT Crew Cab 4WD||$1,568|
|Honda Odyssey Touring||$1,573|
|Ford Explorer XLT AWD||$1,588|
|Jeep Wrangler Rubicon 4WD 2-Dr||$1,594|
|Dodge Ram 3500 Crew Cab ST 2WD||$1,624|
|Toyota RAV4 Limited 2WD||$1,677|
|Jeep Grand Cherokee Laredo 2WD||$1,683|
|Chevrolet Malibu LT||$1,707|
|Chevrolet Impala LS||$1,760|
|Ford Edge SEL 2WD||$1,767|
|GMC Sierra SLE Crew Cab 2WD||$1,795|
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Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Premium costs do not factor in specific Aurora, CO garaging location which can alter coverage prices considerably.
Looking at the numbers, cars like the Honda Accord, Hyundai Elantra, Honda CR-V, Volkswagen Jetta, and Dodge Grand Caravan are a few of the most budget-friendly vehicles to insure for single parents.
One of the many things that are looked at to help calculate the annual cost of car insurance is where you keep your vehicle in Aurora. Cities with more crime and/or more people tend to have more expensive auto insurance rates, whereas areas with lower vehicle theft rates and fewer weather claims have the gratification of cheaper auto insurance rates.
The next table ranks the highest-priced areas in Colorado for single moms to buy auto insurance in. Aurora comes in at #3 costing $1,403 for the average insurance policy, which is around $117 each month.
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Information shown are estimated as specific Aurora zip code can affect rates noticeably.
The example below highlights how deductible selection can affect insurance costs when getting quotes for cheap insurance for single moms. The costs are based on a married female driver, comp and collision included, and no discounts are applied to the premium.
As shown above, a 40-year-old driver could save $324 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $488 by using a $1,000 deductible. Younger drivers, such as the Age 20 example, could potentially save up to $802 or more by choosing larger deductibles on their policy.
If you do decide to increase your deductibles, it will be important to have emergency funds available to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
Buying coverage from a highly-rated company is hard considering how many companies sell coverage in Colorado. The company information in the next section may help you pick which auto insurers to look at putting your business with.
These rankings are for companies who write in the majority of U.S. states, so smaller companies that only insure vehicles in Colorado are not included in this list. If you’d like to compare prices from the most competitive companies in Colorado, just click here.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Irresponsible driving raises your rates
A great way to score good insurance rates in Colorado for single parents is to be a good driver and avoid tickets and accidents. The example below illustrates how violations and at-fault claims influence insurance premiums for different ages of insureds. Data assumes a married female driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.
The data above shows the average cost of car insurance in Aurora per year with a clean driving record and no accidents is $1,226. Get one speeding ticket and the average cost rises to $1,431, an increase of $205 each year. Now get two accidents along with the one speeding ticket and the yearly cost of insurance for single moms goes up to an average of $3,295. That’s an increase of $2,069, or $172 per month, just for being a less-than-perfect driver!
The agents below are a good start to answer your questions and help you decide which coverages and limits you need, as some people prefer to get some professional input when shopping for the best coverage for single parents. It can be challenging to find the cheapest rates, and a licensed agent can give you comfort knowing you have adequate coverage when you need it most.
To locate an Aurora auto insurance agent near you, click the button link following the list or click here to compare price quotes.
Mark Vissering – State Farm Insurance Agent
1852 S Havana St – Aurora, CO 80012 – (303) 745-0034
American Family Insurance – Richard Ahrenkiel
2260 S Xanadu Way Ste 257 – Aurora, CO 80014 – (303) 750-6508
Mark Peter State Farm Insurance Agency
12100 E Iliff Ave #104 – Aurora, CO 80014 – (303) 755-3220
Bob Massie – State Farm Insurance Agent
15290 E 6th Ave #220 – Aurora, CO 80011 – (303) 364-8298
State Farm Insurance Agency – Jason Hart
15201 E Moncrieff Pl e – Aurora, CO 80011 – (720) 920-9043