The car, truck, or SUV to be insured is probably the biggest factor that determines whether or not you can buy low-priced auto insurance for handicapped drivers. Vehicles with lots of speed or power, poor safety features, or an increased likelihood of liability claims will cost more to insure than more modest models.
The table below illustrates car insurance rates for the more affordable automobiles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford F-150 STX Regular Cab 4WD | $968 |
| Ford Explorer XLT AWD | $978 |
| Honda CR-V EX-L 2WD | $970 |
| Ford Escape Limited 2WD | $977 |
| Ford Edge Limited 2WD | $1,006 |
| Ford Focus SES 4-Dr Sedan | $1,060 |
| Hyundai Elantra Blue 4-Dr Sedan | $1,069 |
| Toyota Camry SE | $1,079 |
| Toyota Prius | $1,081 |
| Ford Fusion SEL 4-Dr Sedan | $1,098 |
| Nissan Altima Hybrid 4-Dr Sedan | $1,107 |
| Chevrolet Silverado 2500HD LTZ Crew Cab 4WD | $1,098 |
| Toyota Tacoma 4WD | $1,100 |
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Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Rate information does not factor in specific San Diego, CA garaging location which can raise or lower coverage prices significantly.
Looking at the numbers, you can conclude that cars like the Ford F-150, Ford Explorer, Honda CR-V, and Ford Escape should be some of the more affordable vehicles to insure for drivers with handicaps.
Comparing rates for cost effective insurance is hard enough, and figuring out which companies have the cheapest insurance rates for handicapped drivers takes even more shopping around.
Every auto insurer has a different process to determine rates, so let’s take a look at the insurance companies with the overall best prices in San Diego, CA. It’s important to know that San Diego insurance rates are determined by lots of factors that control the price of coverage. Improving your credit score, buying a home, or getting a few speeding tickets can cause premium changes that can make some companies more expensive than competitors.
Find the Cheapest Car Insurance in California
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Wawanesa | $1,157 |
| 3 | Century National | $1,226 |
| 4 | CSAA | $1,234 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,477 |
| 8 | Mercury | $1,503 |
| 9 | Progressive | $1,512 |
| 10 | Allstate | $1,543 |
| 11 | GEICO | $1,575 |
| 12 | Allied | $1,588 |
| 13 | The Hartford | $1,623 |
| 14 | MetLife | $1,654 |
| 15 | State Farm | $1,699 |
| 16 | Esurance | $1,705 |
| 17 | Unitrin | $1,733 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,806 |
| 20 | Farmers | $2,006 |
| Quote Your Rates Go | ||
USAA generally has some of the most affordable car insurance rates in San Diego at around $1,121 each year. Wawanesa, Century National, CSAA, and Nationwide are also some of the most economical San Diego, CA car insurance companies.
As illustrated above, if you currently have a policy with Nationwide and switched to Wawanesa, you may see annual savings of in the vicinity of $106. Policyholders with 21st Century could save as much as $168 a year, and Grange insureds might reduce prices by as much as $320 a year.
To find the cheapest rates for your vehicle, click here or click through to the companies below.
Bear in mind that those policy rates are averages for all insureds and vehicles and and are not figured with an exact location for handicapped drivers. So the company that fits your age and vehicle best may not even be in the list above. That points out the importance of why you need to compare rates from multiple companies using your own specific driver information and vehicle.
For drivers with handicaps, one of the largest things that help determine the amount you pay for auto insurance is where you normally keep your vehicle in San Diego. More populated areas tend to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates profit from lower rates.
The following table lists the priciest cities in California for handicapped drivers to purchase auto insurance in. San Diego is listed at #23 with an annual rate of $1,340 on average, which is around $112 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Los Angeles | $2,146 |
| 2 | Glendale | $2,079 |
| 3 | San Francisco | $1,763 |
| 4 | Sacramento | $1,720 |
| 5 | Oakland | $1,687 |
| 6 | San Bernardino | $1,644 |
| 7 | Santa Clarita | $1,580 |
| 8 | Long Beach | $1,578 |
| 9 | Garden Grove | $1,554 |
| 10 | Moreno Valley | $1,551 |
| 11 | Stockton | $1,541 |
| 12 | Fontana | $1,535 |
| 13 | Fresno | $1,517 |
| 14 | Modesto | $1,502 |
| 15 | Santa Ana | $1,483 |
| 16 | Riverside | $1,482 |
| 17 | Anaheim | $1,444 |
| 18 | San Jose | $1,423 |
| 19 | Fremont | $1,403 |
| 20 | Irvine | $1,371 |
| 21 | Huntington Beach | $1,360 |
| 22 | Chula Vista | $1,350 |
| 23 | San Diego | $1,340 |
| 24 | Bakersfield | $1,340 |
| 25 | Oxnard | $1,304 |
| Compare Rates Now Go | ||
Premium costs are comparative as the specific geographic location can decrease or increase coverage prices considerably.
Does full coverage make sense?
Paying a lower price for insurance is important to most drivers, and a great way to find cheaper insurance for handicapped drivers is to buy liability only. The diagram below compares car insurance rates with full coverage and liability only. The prices are based on no accidents or driving violations, $250 deductibles, drivers are not married, and no other discounts are factored in.
If we average all the age groups together, full coverage costs $3,093 per year more than just insuring for liability. Many people question if buying full coverage is a waste of money. There is no exact formula for excluding physical damage coverage on your policy, but there is a general convention. If the yearly cost of full coverage is more than about 10% of any settlement you would receive from your insurance company, then it might be time to buy liability only.
There are some situations where buying only liability insurance is not in your best interest. If you haven’t paid off your loan, you have to carry full coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage.
Insuring your vehicle with a highly-rated insurance provider can be a challenge considering how many companies there are in San Diego. The company information displayed below may help you choose which car insurance providers you want to consider when shopping around. The ratings below include large insurance companies, so companies that focus mainly on California business are not included in these rankings.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Discounts on San Diego car insurance rates
Insurers that provide coverage for handicapped drivers could also offer premium discounts that may potentially lower prices by as much as 35% or more if you meet certain criteria. A list of companies and the discounts they provide are:
- AAA offers discounts for multi-policy, good driver, AAA membership discount, pay-in-full, good student, and multi-car.
- Progressive may have discounts that include multi-policy, continuous coverage, multi-vehicle, online quote discount, good student, and homeowner.
- State Farm policyholders can earn discounts including Steer Clear safe driver discount, multiple autos, passive restraint, good student, defensive driving training, and anti-theft.
- Esurance discounts include online shopper, safety device, online quote, DriveSense, and anti-lock brakes.
- Nationwide may include discounts for multi-policy, accident-free, anti-theft, defensive driving, and family plan.
The diagram below shows the comparison of car insurance costs with and without discounts being applied to the rates. Data assumes a male driver, no violations or claims, California state minimum liability limits, full physical damage coverage, and $100 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with multiple policy, anti-theft, safe-driver, vehicle safety, multiple vehicle, and accident-free discounts applied. When these discounts are applied, theaverage yearly reduction on insurance for handicapped drivers is 28% or $944.
How to find budget-friendly insurance for handicapped drivers
Below you’ll find some of the recommended money-saving suggestions that can help San Diego drivers get more affordable car insurance.
- Ensure your driving record is clean
- Buy vehicles with five-star safety ratings
- Raise physical damage deductibles
- At-fault accidents will increase rates
- Improve your credit rating
- Do not pay for full coverage if not needed
- Compare prices as often as possible
The last suggestion is remarkably necessary, as we hit on in this write-up. Car insurance prices in San Diego go up and down frequently, so you should be ready to change to a new company if a lower price can be found. Sticking with a specific company is fine, but it’s not recommended if that loyalty results in overpaying big bucks every year. Now is a great time to compare rates and find cheaper auto insurance for handicapped drivers.
If you have coverage questions and would like to have some professional guidance when comparing insurance rates for handicapped drivers, the agents shown below can help you make a decision which auto insurance policy would work best for you. To locate an agency in your neighborhood, click the button link following the list.
- Oversea Insurance Agency, Inc
1274 Scott St – San Diego, CA 92106 – (800) 266-2662 - San Diego Insurance
4411 Mercury St #105b – San Diego, CA 92111 – (858) 565-6695 - Farmers Insurance – Aaron Farmer
7960 Silverton Ave #202 – San Diego, CA 92126 – (858) 689-0466 - Myles Collins – State Farm Insurance Agent
9920 Mira Mesa Blvd A – San Diego, CA 92131 – (858) 271-6400