Life would sure be easier if we could just tell you the company that has the most affordable coverage in Ohio. Regrettably, it’s not quite that easy, as there are many unknown factors like whether you are male or female, the level of liability coverage you want, if you have a tendency to get into accidents, and your age, that all go into determining the rate you pay. The content below covers some of these criteria and will hopefully give you a solid foundation to find cheaper car insurance.
The vehicle needing coverage is a significant factor that determines if you can find the best auto insurance for single moms. Vehicles with lots of horsepower, poor crash test ratings, or an increased likelihood of liability claims will cost much more to insure than safer, lower-performance models.
The next list presents insurance rates for a selection of the most affordable vehicles to buy insurance for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX-P 4-Dr Sedan | $1,196 |
| Dodge Grand Caravan SE | $1,340 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $1,345 |
| Ford Escape Limited 2WD | $1,402 |
| Toyota RAV4 Limited 4WD | $1,412 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $1,440 |
| Chevrolet Malibu LT | $1,448 |
| Honda CR-V LX 4WD | $1,467 |
| Hyundai Elantra SE Touring Station Wagon | $1,487 |
| Volkswagen Jetta SEL 4-Dr Sedan | $1,514 |
| Chevrolet Equinox LTZ AWD | $1,524 |
| GMC Sierra 3500HD SLE Regular Cab 2WD | $1,541 |
| Ford Edge SEL 2WD | $1,593 |
| Compare Cheap Rates Go | |
Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Price information does not factor in the specific area where the vehicle is garaged which can modify coverage prices greatly.
Based upon the rates shown, you can assume that makes and models like the Honda Accord, Dodge Grand Caravan, Jeep Wrangler, and Ford Escape will be some of the most budget-friendly vehicles to insure for single parents.
For single parents, one of the largest things that determine the amount you pay each year for auto insurance is where you normally keep your vehicle in Cincinnati. Regions with more people or even just more weather-related claims are more likely to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims get the luxury of paying less.
The table below ranks the priciest cities in Ohio for single moms to buy auto insurance in. Cincinnati shows up at #4 costing $1,222 for the average policyholder, which is about $102 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Youngstown | $1,247 |
| 2 | Toledo | $1,241 |
| 3 | Cleveland | $1,235 |
| 4 | Cincinnati | $1,222 |
| 5 | Cleveland Heights | $1,214 |
| 6 | Columbus | $1,199 |
| 7 | Akron | $1,169 |
| 8 | Euclid | $1,129 |
| 9 | Dayton | $1,120 |
| 10 | Hamilton | $1,102 |
| 11 | Springfield | $1,094 |
| 12 | Canton | $1,091 |
| 13 | Fairfield | $1,085 |
| 14 | Middletown | $1,066 |
| 15 | Lakewood | $1,063 |
| 16 | Newark | $1,053 |
| 17 | Kettering | $1,040 |
| 18 | Mansfield | $1,032 |
| 19 | Beavercreek | $1,016 |
| 20 | Strongsville | $1,011 |
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Information shown are comparative as zip code location can lower or raise prices considerably.
Types of discounts on Cincinnati insurance rates
Insurers that offer coverage for single moms may also offer discounts that can lower rates by as much as 40% or more if you meet specific criteria. A list of companies and the discounts they provide are detailed below.
- GEICO policyholders can earn discounts including anti-theft, five-year accident-free, membership and employees, military active duty, air bags, good student, and seat belt use.
- Travelers offers discounts for payment discounts, hybrid/electric vehicle, good student, home ownership, and student away at school.
- Nationwide offers premium reductions for easy pay, Farm Bureau membership, accident-free, family plan, multi-policy, good student, and anti-theft.
- Farmers Insurance has savings for multi-car, business and professional, distant student, alternative fuel, youthful driver, and switch companies.
- Esurance may include discounts for paid-in-full, emergency road assistance, Switch & Save, online shopper, anti-theft, Pac-12 alumni, and claim free.
- State Farm offers discounts including multiple policy, good driver, passive restraint, Steer Clear safe driver discount, student away at school, safe vehicle, and good student.
- Progressive includes discounts for online quote discount, multi-policy, multi-vehicle, homeowner, good student, online signing, and continuous coverage.
- Mercury Insurance may offer discounts for age of vehicle, location of vehicle, multi-policy, accident-free, and ease of repair.
The example below visualizes the comparison of car insurance rates with and without discounts applied to the policy rates. The rates are based on a male driver, no claims or driving citations, Ohio state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with safe-driver, anti-theft, multiple policy, passive restraint, homeowner, and vehicle safety discounts applied. When taking advantage of discounts, theaverage amount saved on car insurance for single moms is 27% or $398.
Buying coverage from the top insurance provider can be rather challenging considering how many companies sell coverage in Cincinnati. The company information in the next section may help you pick which car insurance companies to look at purchasing coverage from. These ratings are only comprised of the largest auto insurers in America, so smaller companies that only insure vehicles in Ohio are not taken into consideration for these rankings.
Top 10 Major Auto Insurance Providers in Cincinnati Ranked by Customer Service
- Nationwide
- State Farm
- Safeco Insurance
- American Family
- Titan Insurance
- Travelers
- Liberty Mutual
- GEICO
- Erie Insurance
- Allstate
Top 10 Major Auto Insurance Providers Overall in Cincinnati
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family
Full coverage rates compared to liability only
Paying less for car insurance is the goal of the majority of people, and an easy way to find cheaper insurance for single moms is to buy only liability coverage. The example below shows the difference between premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums are based on no claims, a clean driving record, $1,000 deductibles, drivers are single, and no policy discounts are applied.
As an average for all age groups, physical damage coverage costs an extra $961 per year more than just buying liability only. That is a significant amount which raises the question if you should buy full coverage at all. There is no specific rule of when to stop paying for comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of your full coverage insurance is more than about 10% of replacement cost minus your deductible, then it might be time to buy liability only.
Ideas for buying cheaper auto insurance for single moms
The list below summarizes some of the better thrifty solutions that can help you buy lower-cost coverage.
- Maintain a safe distance and avoid accidents
- Safe vehicles generally have lower rates
- Frequent claims may make car insurance unaffordable
- Buying home and auto insurance together can earn discounts
- Save money by obeying traffic laws and keeping a clean driving record
- Drop full coverage on older vehicles
- Shop around and save
The last idea is very important, as was emphasized in the article above. Auto insurance rates can be modified anytime, so you should be ready to buy from a different company if a lower price can be found. Having a favorite company is great, but we do not recommend it if that loyalty results in overpaying potentially thousands of dollars a year. It only takes a couple minutes to compare prices to find cheaper insurance for single moms in Cincinnati.
The insurance agencies below can help you decide which coverages you need, as many consumers aren’t sure which coverage to buy and prefer to get some professional input when shopping around for cheaper insurance for single parents. It can be difficult to find the cheapest car insurance policy, and getting advice from a licensed Ohio insurance agent can provide you comfort knowing your policy gives you suitable coverage if you have an accident. To find a Cincinnati insurance agency near you, click the button at the bottom or click here to compare price quotes.
- R G Mc Graw Insurance Inc
324 E 4th St – Cincinnati, OH 45202 – (513) 381-7881 - Richard Curry Jr – State Farm Insurance Agent
4953 Delhi Ave – Cincinnati, OH 45238 – (513) 451-5205 - Burkhart Insurance Agency
4291 Foley Rd – Cincinnati, OH 45238 – (513) 244-2500 - Greg Meinberg – State Farm Insurance Agent
3322 Erie Ave #102 – Cincinnati, OH 45208 – (513) 533-1661 - Rick Brown – State Farm Insurance Agent
3593 Westwood Northern Blvd – Cincinnati, OH 45211 – (513) 662-3593