One of the many factors that determine the cost of insurance is where you keep your vehicle. Regions with larger populations or more claims are more likely to pay higher prices, whereas areas that tend to be more rural have the luxury of cheap car insurance rates.
The table below lists the most expensive cities in California for single moms to purchase a policy in. Oakland is listed at #5 with an annual cost of $1,687 for car insurance, which is about $141 each month.
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Rate quotes are estimated as specific location information can decrease or increase coverage prices significantly.
The vehicle you are buying coverage for is a large factor when comparing cheaper insurance for single moms. Vehicles with high performance features, poor safety ratings, or a history of substantial liability claims will cost substantially more to insure than more economical and safe models.
The list below illustrates coverage premiums for the cheaper automobiles to insure in California.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Hyundai Elantra GLS Touring Station Wagon||$1,325|
|Honda CR-V EX 4WD||$1,356|
|Chevrolet Impala LT||$1,571|
|Jeep Wrangler Sport 4WD 2-Dr||$1,576|
|Ford Escape Limited 4WD||$1,644|
|Honda Odyssey EX-L W/Navigation||$1,654|
|Jeep Grand Cherokee Limited 2WD||$1,683|
|Toyota Corolla XRS||$1,689|
|GMC Sierra 3500HD SLE Extended Cab 2WD||$1,714|
|Dodge Ram 3500 Crew Cab ST 2WD||$1,743|
|Ford Focus S 4-Dr Sedan||$1,764|
|Chevrolet Silverado LS Crew Cab 2WD||$1,795|
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Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Price information does not factor in specific zip code location which can increase or decrease coverage rates noticeably.
Looking at the numbers, we can assume that vehicles like the Hyundai Elantra, Honda CR-V, and Toyota Prius should be a few of the most economical vehicles to insure for single parents.
Trying to find cheap insurance is not the easiest thing to accomplish, and deciding which insurers offer the cheapest car insurance rates for single moms will take a little more work. Every insurance provider uses a little different formula to determine rates, so we need to take a look at the car insurance companies with the most affordable rates in Oakland.
Keep in mind that Oakland, CA car insurance rates are impacted by many factors which can substantially decrease or increase the policy price. This price variation is why it is important to shop around when trying to find the best insurance quotes for single moms. Rates are influenced by many things and can change substantially, so the lowest-price company the last time you compared rates may now be wasting a lot of money.
Compare Cheap Insurance Quotes for Single Moms
|Rank||Company||Cost Per Year|
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USAA generally has some of the most affordable car insurance rates in Oakland at around $1,109 annually. Wawanesa, CSAA, Nationwide, and Century National also qualify as some of the best Oakland, CA auto insurance companies.
As the example above demonstrates, if you currently have a policy with Century National and switched to Wawanesa, you might achieve annual savings of about $80. Insureds with 21st Century could save as much as $192 a year, and Grange insureds might cut rates by $287 a year.
To see if you’re overpaying, click here to start your free quote or click through to the companies below.
Understand that those premium estimates are averaged for all drivers and vehicles in California and do not factor in a specific zip code for single moms. So the company that is most affordable for your situation may not even be in the list above. That affirms the importance of why you need to get quotes using your own specific driver and vehicle information.
Picking a good quality insurance provider can be rather challenging considering how many companies are available to choose from in California. The ranking information in the next section can help you analyze which coverage providers to look at purchasing a policy from. The rankings below are only comprised of companies who write in the majority of U.S. states, so companies with more of a regional focus are not factored into this list.
Top 10 Major Auto Insurance Providers in Oakland Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Major Auto Insurance Providers in Oakland Ranked by Value
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
The information below shows how choosing a deductible can impact premium costs when searching for cheap insurance for single moms. The premiums are based on a single female driver, comprehensive and collision coverage, and no additional discounts are factored in.
The chart above illustrates that a 50-year-old driver could lower their policy premium by $420 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $632 by changing to a $1,000 deductible. Even younger insureds, such as the 20-year-old example, could possibly save as much as $1,068 each year just by choosing larger deductibles. If you do decide to increase your deductibles, it will be important to have plenty of money set aside to offset the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
How to get discounts on Oakland car insurance rates
Insurance companies that provide policies for single moms could also offer discounts that could potentially reduce rates by as much as 25% or more if you are eligible to receive them. Companies and the discounts they provide can be read below.
- Travelers has savings for hybrid/electric vehicle, home ownership, IntelliDrive, student away at school, save driver, and early quote.
- 21st Century has discounts for air bags, teen driver, defensive driver, early bird, and 55 and older.
- State Farm offers premium reductions for safe vehicle, good driver, passive restraint, accident-free, and Steer Clear safe driver discount.
- GEICO offers discounts including five-year accident-free, daytime running lights, military active duty, multi-vehicle, and driver training.
- SAFECO discounts include multi-car, homeowner, anti-lock brakes, safe driver, anti-theft, teen safety rewards, and drive less.
- AAA may offer discounts for pay-in-full, good driver, good student, multi-policy, anti-theft, education and occupation, and multi-car.
The example below compares insurance prices with and without policy discounts. The rates are based on a female driver, no accidents or driving violations, California state minimum liability limits, full coverage, and $100 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with anti-theft, safe-driver, defensive driving course, multiple policy, homeowner, and vehicle safety discounts applied. When discounts are applied, theaverage amount saved on car insurance for single moms is 28% or $661.