Skip to content

Cheap Car Insurance for Single Drivers: Solo Savings

Car insurance is a necessary expense for all drivers, but it can be particularly challenging for single drivers to find affordable coverage. With no spouse or children to share the policy with, single drivers often face higher premiums. However, there are several strategies that single drivers can employ to find cheap car insurance without sacrificing coverage. In this article, we will explore the various factors that affect car insurance rates for single drivers and provide valuable insights and research-based tips to help single drivers save money on their car insurance premiums.

The Impact of Marital Status on Car Insurance Rates

One of the key factors that affect car insurance rates for single drivers is marital status. Insurance companies often consider married individuals to be more responsible and less likely to engage in risky driving behaviors. As a result, married drivers are generally offered lower insurance premiums compared to their single counterparts.

Research conducted by the Insurance Institute for Highway Safety (IIHS) has shown that married individuals are involved in fewer accidents and file fewer insurance claims compared to single drivers. This lower risk profile translates into lower insurance premiums for married drivers.

However, it is important to note that not all insurance companies treat marital status as a significant factor in determining car insurance rates. Some insurers may place more emphasis on other factors such as driving record, age, and vehicle type. Therefore, it is crucial for single drivers to shop around and compare quotes from multiple insurance providers to find the best rates.

Factors That Influence Car Insurance Rates for Single Drivers

While marital status is an important factor, there are several other variables that can impact car insurance rates for single drivers. Understanding these factors can help single drivers make informed decisions when selecting an insurance policy. Here are some of the key factors that insurers consider:

  • Age: Younger drivers, both single and married, generally pay higher insurance premiums due to their lack of driving experience and higher likelihood of being involved in accidents. As drivers age, their insurance rates tend to decrease.
  • Driving record: A clean driving record with no accidents or traffic violations can significantly lower insurance premiums for single drivers. On the other hand, a history of accidents or traffic violations can lead to higher rates.
  • Location: The area where a single driver resides can also impact insurance rates. Urban areas with higher population densities and more traffic congestion tend to have higher insurance premiums compared to rural areas.
  • Vehicle type: The make and model of the vehicle driven by a single driver can affect insurance rates. Sports cars and luxury vehicles are generally more expensive to insure due to their higher repair costs and increased risk of theft.
  • Credit score: In some states, insurance companies are allowed to consider an individual’s credit score when determining car insurance rates. Single drivers with poor credit scores may face higher premiums.

Strategies for Single Drivers to Save on Car Insurance

Despite the challenges faced by single drivers in finding affordable car insurance, there are several strategies that can help them save money on their premiums. By implementing these strategies, single drivers can secure cheap car insurance without compromising on coverage. Here are some tips:

  • Shop around: It is essential for single drivers to compare quotes from multiple insurance providers to find the best rates. Each insurer has its own pricing algorithms and risk assessment methods, so rates can vary significantly.
  • Consider usage-based insurance: Usage-based insurance programs, such as pay-as-you-drive or telematics-based insurance, can be a cost-effective option for single drivers. These programs track driving behavior and offer discounts based on safe driving habits.
  • Bundle policies: Single drivers who own a home or rent an apartment can often save money by bundling their car insurance with their homeowner’s or renter’s insurance. Insurance companies typically offer discounts for bundling multiple policies.
  • Take advantage of discounts: Many insurance companies offer various discounts that single drivers can take advantage of. These discounts may include safe driver discounts, good student discounts, and discounts for completing defensive driving courses.
  • Consider higher deductibles: Single drivers can lower their insurance premiums by opting for higher deductibles. However, it is important to ensure that the deductible amount is affordable in the event of an accident or claim.

The Importance of Regularly Reviewing Car Insurance Policies

Once single drivers have secured an affordable car insurance policy, it is crucial to regularly review and reassess their coverage. Life circumstances can change, and it is important to ensure that the insurance policy still meets the driver’s needs. Here are some situations that may warrant a review of the car insurance policy:

  • Change in marital status: If a single driver gets married, they may be eligible for lower insurance rates. It is important to inform the insurance company about the change in marital status to potentially benefit from reduced premiums.
  • Change in vehicle: If a single driver purchases a new vehicle or sells their existing one, it is essential to update the insurance policy accordingly. Different vehicles may have different insurance requirements and rates.
  • Relocation: Moving to a new area can impact car insurance rates. Single drivers should inform their insurance company about any change in address to ensure accurate pricing.
  • Life events: Significant life events such as the birth of a child or retirement may necessitate a change in coverage. It is important to review the policy to ensure adequate protection.


While single drivers may face higher car insurance premiums compared to married individuals, there are several strategies they can employ to find affordable coverage. By understanding the factors that influence car insurance rates and implementing cost-saving measures, single drivers can secure cheap car insurance without compromising on coverage. Regularly reviewing and reassessing car insurance policies is also crucial to ensure that the coverage remains suitable for the driver’s needs. By following these tips and staying informed, single drivers can save money and enjoy the benefits of affordable car insurance.

Join the conversation

Your email address will not be published. Required fields are marked *