Best Auto Insurance for Single Adults in 2023 (Our Top 10 Picks)

#1 – Geico: Top Pick Overall

Pros 

• Online Simplicity: Enjoy the convenience of managing policies seamlessly online.
• Efficient Processes: Geico streamlines processes for swift and straightforward transactions.
• Tech-Friendly Options: Geico caters to tech-savvy single adults with user-friendly digital tools.

Cons 

• In-Person Limitation: Face-to-face assistance is limited, potentially challenging for those who prefer personal interactions.
• Limited Agent Support: Geico may lack the local agent support that some single adults prefer.

#2 – Progressive: Runner Up

Pros

• Coverage Flexibility: Progressive offers customizable policies to tailor coverage according to individual requirements.
• Innovative Features: Access to innovative features such as the Snapshot program for personalized savings.
• User-Friendly Options: Progressive provides a user-friendly experience, particularly for those comfortable with digital tools.

Cons

• Post-Incident Rates: Rates may increase after accidents or incidents, impacting budget-conscious single adults.
• Potential Premium Adjustments: Progressive’s rates can be subject to adjustments based on individual circumstances.

#3 – State Farm: Best for Good Student Discount

Pros 

• Academic Savings: State Farm provides a good student discount, benefiting single adults with strong academic records.
• Local Agent Support: Access to local agents ensures personalized assistance for single adults.
• Coverage Options: State Farm offers a range of coverage options, allowing single adults to tailor policies.

Cons

• Driving Record Impact: Rates may be higher for single adults with certain driving histories.
• Potentially Higher Premiums: Some single adults may find State Farm’s premiums to be on the higher side.

#4 – Allstate: Great Personalized Coverage and Features

Pros

• Discount Variety: Allstate provides numerous discounts catering to the diverse needs of single adults.
• Innovative Features: Access to innovative features such as Drivewise for personalized driving insights.
• Senior Savings: Allstate offers senior-specific discounts, acknowledging the unique needs of this demographic.

Cons

• Premium Consideration: Allstate’s premiums may be comparatively higher for single adults.
• Limited In-Person Interaction: Face-to-face interactions may be limited for those who prefer local agent support.

#5 – USAA: Best for Military Affiliation Benefits

Pros

• Military Advantage: USAA provides exclusive military discounts and benefits for eligible single adults.
• Excellent Customer Service: Known for outstanding customer service, USAA ensures a supportive experience for single adults.
• Senior Savings: USAA extends senior-specific discounts, addressing the specific needs of this demographic.

Cons

• Eligibility Restriction: Limited eligibility to military personnel and their families.
• Limited Coverage Options: Some single adults may find USAA’s coverage options more restricted compared to other providers.

#6 – Liberty Mutual: Great Flexible Coverage Options

Pros

• Coverage Flexibility: Liberty Mutual offers various coverage options, allowing single adults to tailor policies.
• Senior Savings: Liberty Mutual provides senior-specific discounts, considering the unique needs of this demographic.
• Online Convenience: Access to a user-friendly online platform for convenient policy management.

Cons

• Rate Variability: Rates may vary based on individual circumstances, impacting budget-conscious single adults.
• Limited Local Presence: For those who prefer local agent support, Liberty Mutual’s physical presence may be limited.

#7 – Esurance: Best Straightforward Online Experience

Pros for Single Adults with Minimum Coverage:

• Online Simplicity: Esurance provides a straightforward online process, appealing to tech-savvy single adults.
• Efficient Processes: Streamlined processes for swift and seamless transactions.
• Discount Variety: Esurance offers various discounts, catering to the diverse needs of single adults.

Cons for Single Adults with Minimum Coverage:

• Limited Face-to-Face: Face-to-face interactions may be limited for those who prefer local agent support.
• Potential Premium Adjustments: Esurance’s rates can be subject to adjustments based on individual circumstances.

#8 – Nationwide: Strong Reputation and Coverage Options

Pros

• Longevity: Nationwide is an established company with a long-standing reputation, instilling confidence in single adults.
• Coverage Variety: Nationwide provides various coverage options to meet the individual needs of single adults.
• Discount Programs: Access to discount programs to help manage costs for budget-conscious single adults.

Cons

• Demographic Rates: Rates may be higher for certain demographics, impacting the affordability for some single adults.
• Potentially Higher Premiums: Some single adults may find Nationwide’s premiums to be on the higher side.

#9 – Travelers: Best Safe Driving Rewards

Pros

• Driving Rewards: Travelers offers safe driving discounts, benefiting single adults with good driving habits.
• Multiple Coverage Options: Various coverage options to choose from, allowing single adults to tailor policies.
• Discount Programs: Access to discount programs to help manage costs for budget-conscious single adults.

Cons

• Incident Impact: Rates may be higher for those with accidents or violations, affecting the budget of some single adults.
• Potentially Higher Premiums: Travelers’ premiums may be comparatively higher for some single adults.

#10 – Farmers: Best Local Agent and Personalized Service

Pros

• Local Touch: Farmers offers local agents for personalized service, ideal for single adults who prefer a personal touch.
• Discount Programs: Access to discount programs to help manage costs for budget-conscious single adults.
• Coverage Options: Farmers provides a range of coverage options, allowing single adults to tailor policies.

Cons

• Online Limitation: Limited online conveniences compared to competitors may be a drawback for tech-savvy single adults.
• Potential Premium Adjustments: Farmers’ rates can be subject to adjustments based on individual circumstances.

Many Ages Included in the Single Adult Group

A single adult is anyone who is not married and is over the age of 18. This includes college students, senior citizens, and single parents. Yes, single parents also fall into the category of a single adult.

Having children does not take away that status. Statistics prove that women are safer drivers than men are, and single moms are no exception.

Single males under the age of 25 will find themselves paying much higher rates. Most will have to wait until they are over the age of 25 to see their insurance rates start to decrease.

Single adults over the age of 25 are, more often than not, married and starting a family. Insurance agencies view drivers over 25 years old to be safer drivers and more stable in their driving habits.

Average estimates for a single adult can vary

There are many factors that insurance agencies use to determine what your insurance rates will be. There are never any guarantees.

Depending on your particular situation, some single adults can find insurance policies for as low as $50 a month.

Your geographic location, your age, your sex, the type of vehicle you drive, your driving history, the type of vehicle being insured, and bundling your policies can all affect your auto insurance rates.

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The Insurance Information Institute (III) gives a detailed breakdown of these factors.

A single adult who is engaged may sometimes qualify for a married discount with some insurance agencies.

Your insurance rate as a single adult could change if your insurance agent is aware that you plan to be married in the near future. Each agency is different, but it would not hurt to inquire.

Look for Available Discounts to Lower Your Insurance Costs

One of the most common discounts that can be found is given to safe drivers. Your driving record plays a very important part when insurance companies are determining what rate you qualify for.

Having a solid driving history is a major step in obtaining a safe driver’s discount.

If you have been a licensed and insured driver for at least three years and have not had any accidents, then you could qualify for this discount.

If your driving history reflects no moving violations and no accidents for the past consecutive three years, this discount can greatly lower your insurance rates.

Taking a defensive driving course can add to your discounts as well. You may be required to pay for the course upfront, but over the life of your insurance policy, the discount can far outweigh the cost of the course.

A higher deductible can reduce the overall cost of your policy. If you are able to limit the amount of mileage that your vehicle accrues, this could also be a possible discount available to you. The less you drive the vehicle will help lowers your risk.

A college student who has a policy as a single adult could be eligible for a discount for maintaining a particular grade point average, which is usually a 3.0 or higher.

Insurance carriers feel that if an adult student is responsible enough to maintain a high-grade point average (GPA), then it lowers their risk of being a bad driver. Each insurance agency is different so be sure to inquire about their particular requirements.

Bundling Your Policies Helps to Lower Your Rates

A single adult may also be a homeowner. Instead of having multiple separate policies, ask your insurance agent if you can bundle them for a discount.

When a customer has the option to make one payment per month that can cover multiple bills, they will usually renew their policies rather than switch to another agency.

Insurance companies usually offer this service to their customers to help increase their customer base and eliminate the need for multiple policies.

Single adults may not always be able to own a home right away. But if you rent, you may want to think about purchasing a renter’s insurance policy.

You can often times bundle these two policies through the same insurance carriers and receive a huge discount that could offer more than adequate coverage for both your auto insurance and renting needs.

Newer Cars May Increase Your Insurance Rates

Single adults are often stereotyped as young adults who have just moved out on their own with their first job and a brand new racecar. However, it is not a secret that the newer the vehicle is, the higher the insurance rate.

Newer vehicles may have all of the best and current safety features, but so do vehicles that are slightly used. A car that is two years old could have all the same gadgets that a brand new car has but the insurance policy could be half the price.

A single adult under the age of 25 who is insuring a red Corvette will be required to pay premiums that are much higher than another single adult who wishes to insure a small four-door sedan.

According to the Kelly Blue Book, the lower that the value of your vehicle is, the lower your insurance premiums will be.

That is not to say that you should be a car that is completely unsafe and falling apart. But be aware that the higher the vehicle is valued at, the higher your insurance policy will cost.

Insurance rates are based on the type of coverage necessary to make the vehicle legally drivable. If your vehicle is already paid for, then a basic insurance policy will meet the minimum legal requirements to keep it on the road.

 However, if you purchased the car with any type of auto loan, the banking institution that you used will require full coverage.

You can expect the types of full coverage policies to be much more expensive than ones that offer just a basic policy for a vehicle that is already paid in full.

Shop Around and Save Money

Do a little research and obtain at least three or four different insurance quotes before deciding which policy is best for you.

Taking the first quote you get could cost you hundreds or perhaps thousands more per year than what you could be paying by doing some comparison-shopping.

Review your policy with your insurance agent. The Insurance Information Institute also offers some details of what a basic auto insurance policy should cover.

Remove any services or types of coverage that do not benefit you. Sometimes insurance policies contain items that are automatically included, but you may not have any need for them. Removing them could save you money on your premiums.

In the event that you own an older vehicle, you may want to drop collision and the comprehensive coverage in your insurance policy. In the event that you may need to file a claim, you will be required to pay a deductible for both of them. Those deductibles could add up to be more than what your car is worth.

When determining what and what not to keep in your insurance policy, be careful not to dismiss important types of coverage just to save a few dollars.

It is more important to secure adequate coverage that will meet your needs than it is to have a lower monthly payment that, if an accident occurs, could leave you in financial debt for years to come.

There are a lot of companies out there that want your money. However, they are not always the most legitimate company.

Each company is assigned a credit rating by Moody’s Analytics. Moody’s offers a complimentary credit research for its online visitors that will allow you to see what rating it has received based a very particular set of criteria.

Get your FREE auto insurance quote by typing in your ZIP code right here to begin saving today!