The words “affordable” and “insurance” really shouldn’t be used together, specifically when trying to find the lowest insurance prices for handicapped drivers. In an attempt to save some money, let’s go over a few of the factors that have a considerable impact on insurance rates, and come up with some ideas to slash the price of your next policy.
The car, truck, or SUV you are trying to insure is one of the largest considerations when consumers are trying to find the cheapest coverage for handicapped drivers. Vehicles with reasonable performance levels, excellent safety ratings, or a low likelihood of liability claims will cost significantly less to insure than higher performance models. The table below ranks coverage rates for a number of the most budget-friendly vehicles to insure.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $1,716 |
| Toyota Prius | $1,897 |
| Chevrolet Impala LS | $1,993 |
| Honda CR-V EX 4WD | $2,010 |
| Chevrolet Equinox LS 2WD | $2,031 |
| Jeep Wrangler Unlimited Sport 2WD 4-Dr | $2,064 |
| Ford F-150 STX Regular Cab 2WD | $2,162 |
| Dodge Grand Caravan SE | $2,207 |
| Honda Civic EX-L 4-Dr Sedan | $2,245 |
| Ford Focus SES 2-Dr Coupe | $2,284 |
| Toyota Camry Hybrid | $2,323 |
| Chevrolet Malibu Hybrid | $2,329 |
| Toyota RAV4 Limited 4WD | $2,336 |
| Dodge Ram Quad Cab Sport 2WD | $2,361 |
| Hyundai Elantra Blue 4-Dr Sedan | $2,406 |
| Nissan Altima 2.5 4-Dr Sedan | $2,489 |
| Jeep Grand Cherokee SRT-8 4WD | $2,495 |
| GMC Sierra SLT Extended Cab 2WD | $2,501 |
| Volkswagen Jetta SE 4-Dr Sedan | $2,495 |
| Nissan Rogue S AWD | $2,498 |
| Find Cheaper Rates Go | |
Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Premium costs do not factor in garaging location in Phoenix, AZ which can modify prices significantly.
Based upon the rates shown, you can figure that cars like the Ford Escape, Toyota Prius, and Chevrolet Impala are most likely to be a few of the most economical vehicles to insure for drivers with handicaps.
Trying to buy low-cost auto insurance is tough enough, and figuring out which companies offer the cheapest auto insurance rates for handicapped drivers will involve even more rate comparisons. Every insurance company has their own process to set premium rates, so we’ll take a look at the overall cheapest auto insurance companies in Phoenix.
Keep in mind that Arizona auto insurance rates are impacted by many things which can significantly increase or decrease the price you have to pay for coverage. This price variability is why it is so important to shop around to find the most economical car insurance rates for handicapped drivers. Auto insurance prices are impacted by many things and change substantially, so the cheapest rate three years ago may now be wasting a lot of money.
Best Cheap Insurance Rates in Arizona
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $836 |
| 2 | Auto-Owners | $915 |
| 3 | Safeco | $932 |
| 4 | Travelers | $1,075 |
| 5 | USAA | $1,113 |
| 6 | Progressive | $1,130 |
| 7 | GEICO | $1,166 |
| 8 | CSAA | $1,189 |
| 9 | Allied | $1,197 |
| 10 | Ameriprise Group | $1,220 |
| 11 | Farm Bureau Mutual | $1,259 |
| 12 | Safe Auto | $1,297 |
| 13 | Unitrin | $1,317 |
| 14 | State Farm | $1,377 |
| 15 | Farmers | $1,378 |
| 16 | Titan | $1,418 |
| 17 | American Family | $1,420 |
| 18 | Amica | $1,443 |
| 19 | MetLife | $1,505 |
| 20 | California Casualty | $1,568 |
| Compare Rates Now Go | ||
The Hartford quotes some of the best car insurance rates in Phoenix at around $836 annually. This is $592 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA also rank well as some of the cheaper Phoenix, AZ car insurance companies.
As the rates illustrate above, if you currently have a policy with Auto-Owners and switched to The Hartford, you may realize savings of approximately $79. Policyholders with Safeco may save as much as $96 a year, and Travelers customers might see rate reductions of $239 a year.
It’s important to note that these premium estimates are averaged across all insureds and vehicles and do not take into consideration a vehicle location for handicapped drivers. So the auto insurance company that has the lowest price for you may not even be in the top 28 companies shown above. That illustrates why you need to get quotes using your own personal information and vehicle type.
The information below shows how different deductible levels can raise or lower insurance costs when quoting cheap insurance for handicapped drivers. Data assumes a married female driver, full physical damage coverage, and no discounts are factored in.
The data above shows that a 30-year-old driver could cut expenses by $236 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $358 by changing to a $1,000 deductible. Even younger insureds, like the 20-year-old category, could roll back prices as much as $508 or even more by choosing a larger deductible amount. When insureds make the decision to increase the deductibles on their policy, it is important to have additional funds in a savings account to be able to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
Ending up with the right auto insurance provider is difficult considering how many choices there are in Phoenix. The information displayed below may help you choose which auto insurers you want to consider when comparing rate quotes. The rankings below only include the largest auto insurers in America, so smaller companies are not taken into consideration for this list.
Top 10 Large Auto Insurance Companies in Phoenix Ranked by Customer Service
- State Farm
- GEICO
- The Hartford
- Mercury Insurance
- Progressive
- The General
- Allstate
- AAA Insurance
- American Family
- Nationwide
Top 10 Large Auto Insurance Companies in Phoenix Ranked by Value
- USAA
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
- Nationwide
- Safeco
Get discounts on Phoenix car insurance rates
Insurance companies that offer cheap quotes for handicapped drivers could also offer rate discounts that could potentially reduce rates by 25% or more if you are eligible. A few of the larger companies and some of their more popular discounts are included below.
- American Family may have discounts that include TimeAway discount, mySafetyValet, good student, bundled insurance, and air bags.
- Nationwide policyholders can earn discounts including anti-theft, Farm Bureau membership, multi-policy, family plan, and business or organization.
- MetLife includes discounts for defensive driver, good student, good driver, multi-policy, and accident-free.
- 21st Century discounts include defensive driver, anti-lock brakes, good student, student driver, automatic seat belts, and 55 and older.
- Farmers Insurance has discounts for good student, early shopping, pay in full, distant student, and teen driver.
- Allstate offers discounts including good student, auto/life discount, FullPay discount, resident student, passive restraint, and eSmart discount.
The illustration below visualizes the comparison of auto insurance costs with and without discounts applied. The costs are based on a female driver, no tickets, no at-fault accidents, Arizona state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with anti-theft, vehicle safety, homeowner, defensive driving course, safe-driver, and claim-free discounts applied. With discounts applied, theaverage amount saved on auto insurance for handicapped drivers is 28% or $449.
The Phoenix auto insurance agencies shown below can most likely help you decide which coverage fits your budget, since some people prefer to have professional advice when buying car insurance for drivers with handicaps. It can be challenging to find the best policy on your own, and insurance agents licensed in the state of Arizona can provide comfort knowing you have suitable coverage if you have an accident.
To locate a Phoenix car insurance agency in your neighborhood, click the button at the bottom of the list or click here to get price quotes now.
- Jerry Wood – State Farm Insurance Agent
3738 E Thomas Rd – Phoenix, AZ 85018 – (602) 955-3284 - State Farm: Mat Herseth
751 E Union Hills Dr #A9, Phoenix 85024 – 751 E Union Hills Dr #A9, AZ 85024 – (602) 788-6700 - Martha Bueti – State Farm Insurance Agent
3540 E Baseline Rd #115 – Phoenix, AZ 85042 – (602) 243-9209 - MiniCo Insurance Agency, LLC
10851 N Black Canyon Hwy #200 – Phoenix, AZ 85029 – (800) 528-1056 - American Family Insurance – Luke Shafer
1717 E Bell Rd #7 – Phoenix, AZ 85022 – (602) 788-5359