The vehicle driven is one of the biggest factors when comparing quotes for cheap car insurance for handicapped drivers. Vehicles with higher performance characteristics, poor safety features, or high incidents of liability claims will cost much more to insure than safer, lower-performance models.
The data below ranks insurance prices for a handful of the most economical automobiles to buy insurance for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $1,179 |
| Ford Escape XLS 4WD | $1,287 |
| Ford Explorer XLT 2WD | $1,321 |
| Honda Accord LX 4-Dr Sedan | $1,331 |
| Toyota RAV4 Sport 2WD | $1,394 |
| Dodge Grand Caravan CV | $1,443 |
| Ford Focus SES 4-Dr Sedan | $1,452 |
| Toyota Tacoma X-Runner 2WD | $1,470 |
| Toyota Prius | $1,473 |
| Ford Fusion SE 4-Dr Sedan | $1,497 |
| Chevrolet Impala LS | $1,504 |
| Chevrolet Silverado 2500HD LT Crew Cab 4WD | $1,497 |
| Chevrolet Silverado LT Crew Cab 4WD | $1,506 |
| Nissan Altima 2.5 4-Dr Sedan | $1,529 |
| Ford Edge Limited 2WD | $1,536 |
| Ford F-150 SVT Raptor Super Cab 4WD | $1,558 |
| Chevrolet Malibu LS | $1,571 |
| Dodge Ram Quad Cab ST 2WD | $1,617 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,639 |
| Nissan Rogue S 2WD | $1,649 |
| GMC Sierra SLT Extended Cab 4WD | $1,642 |
| Volkswagen Jetta 2.0T 4-Dr Sedan | $1,649 |
| Chevrolet Equinox LTZ AWD | $1,642 |
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Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Premium costs do not factor in specific zip code location which can influence coverage rates considerably.
Based upon the table data, we can tell that models like the Honda CR-V, Ford Escape, and Ford Explorer are most likely to be some of the more affordable vehicles to insure for drivers with handicaps.
For drivers with handicaps, one of the big things that help determine insurance cost is where you choose to live. More populated areas are more likely to have higher rates, whereas more rural areas have the enjoyment of a little cheaper coverage.
The table below ranks the priciest cities in Pennsylvania for handicapped drivers to purchase auto insurance in. Pittsburgh comes in at #15 with an annual cost of $1,053 for the average policyholder, which is about $88 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Philadelphia | $1,997 |
| 2 | Drexel Hill | $1,504 |
| 3 | Levittown | $1,407 |
| 4 | Chester | $1,393 |
| 5 | Norristown | $1,307 |
| 6 | Allentown | $1,141 |
| 7 | Reading | $1,110 |
| 8 | Erie | $1,082 |
| 9 | Scranton | $1,081 |
| 10 | Wilkes-Barre | $1,079 |
| 11 | Bethlehem | $1,077 |
| 12 | Easton | $1,069 |
| 13 | Municipality of Monr | $1,059 |
| 14 | Hazleton | $1,056 |
| 15 | Pittsburgh | $1,053 |
| 16 | Plum | $1,047 |
| 17 | Altoona | $1,042 |
| 18 | New Castle | $1,026 |
| 19 | Bethel Park | $1,009 |
| 20 | Harrisburg | $995 |
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Annual rates are approximated as the specific garaging location can impact coverage prices substantially.
Shopping around for low-priced car insurance is not the easiest thing to accomplish, and deciding which companies have the best auto insurance rates for handicapped drivers involves even more work. Each insurance company has their own guidelines to determine rates, so first we will examine the auto insurance companies with the overall cheapest rates in Pennsylvania.
It’s important that readers know that Pennsylvania auto insurance rates are calculated based on many things which can substantially change your annual premium. This price variability is why it is critical to compare rates when trying to get the cheapest auto insurance rates for handicapped drivers. Car insurance prices are calculated by many things and can change substantially, so the most affordable company when you last compared rates may now not even be in the top five.
Find Cheaper Car Insurance in Pennsylvania
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | General Casualty | $726 |
| 2 | Travelers | $779 |
| 3 | Erie | $792 |
| 4 | USAA | $809 |
| 5 | Penn National | $816 |
| 6 | Auto-Owners | $1,003 |
| 7 | Amica | $1,022 |
| 8 | Atlantic States | $1,047 |
| 9 | Donegal Mutual | $1,058 |
| 10 | GEICO | $1,145 |
| 11 | Allied | $1,155 |
| 12 | California Casualty | $1,186 |
| 13 | State Farm | $1,210 |
| 14 | State Auto | $1,241 |
| 15 | Encompass | $1,385 |
| 16 | Mutual Benefit Group | $1,397 |
| 17 | Harleysville | $1,410 |
| 18 | Progressive | $1,429 |
| 19 | Nationwide | $1,477 |
| 20 | Chubb | $1,598 |
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General Casualty has some of the lowest car insurance rates in Pittsburgh at around $726 each year. This is $931 less than the average rate paid by Pennsylvania drivers of $1,657. Travelers, Erie, USAA, and Penn National would also make the list of some of the most economical Pittsburgh, PA insurance companies.
As the example above demonstrates, if you have coverage with USAA and switched to Travelers, you could realize a yearly price reduction of in the vicinity of $30. Drivers with Penn National may save as much as $37 a year, and Auto-Owners customers might see rate reductions of $224 a year.
Remember that these estimates are averages across all types of drivers and the different vehicles they drive and do not take into consideration an exact location for handicapped drivers. So the insurer that can offer the best rates for your situation may not even be in the top 30 companies shown above. That’s why you need to get car insurance quotes using your own personal information and vehicle type.
The information below illustrates how your choice of deductibles can raise or lower yearly insurance costs when researching cheap insurance for handicapped drivers. The premium estimates are based on a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.
A 30-year-old driver could lower their policy premium by $304 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $460 by choosing a $1,000 deductible. Even younger drivers, like the Age 20 category, could potentially save as much as $888 every year by selecting a higher deductible.
When insureds make the decision to increase the deductibles on their policy, it is a good idea to have additional funds squirreled away to offset the extra out-of-pocket expense that is associated with using high deductibles.
Safe drivers Pittsburgh pay cheaper rates
The best way to enjoy affordable auto insurance premiums for drivers with handicaps is to be a cautious driver and avoid accidents and violations. The chart below demonstrates how speeding tickets and accident claims can drive up insurance premiums for different age categories. The costs are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no other discounts are factored in.
In the previous example, the average cost of car insurance in Pennsylvania per year with a clean driving record and no accidents is $1,429. Factor in one speeding ticket and the average cost swells to $1,619, an increase of $191 each year. Now include two accidents along with the one speeding ticket and the yearly cost of auto insurance for handicapped drivers goes up to an average of $3,366. That’s an increase of $1,938, or $161 per month, just for not maintaining a clean driving record!
How to find more affordable car insurance for handicapped drivers
Lowering your rates is not difficult, and here are some of the recommended money-saving solutions that can help Pittsburgh drivers find cheaper coverage.
- Higher credit scores may earn you cheaper rates
- Increase your comprehensive and collision deductibles
- Serious violations like DUI or careless driving can make car insurance unaffordable
- Accident-free drivers may qualify for discounts
- Choose a safer vehicle and pay lower rates
- Ensure you have the best deal by shopping around regularly
The last idea is incredibly critical, as was discussed in the article above. Prices charged by companies in Pittsburgh can be modified anytime, so you should be ready to buy a different policy if a better rate can be found.
Being loyal to a particular company is commendable, but it’s not a great idea if that loyalty results in overpaying money that could be used for better things. It only takes a couple minutes to compare prices to find cheaper car insurance for handicapped drivers.
If you have coverage questions and would like to get some help when shopping for cheaper insurance for drivers with handicaps, the agents listed below can most likely answer your questions and help you decide which coverages and limits you need.
To locate a Pittsburgh car insurance agency close to where you live, click the button after the list or click here to compare rates now.
Masters Insurance Services
1719 Ardmore Blvd – Pittsburgh, PA 15221 – (412) 351-2448
McGroarty and Bradburn Insurance
4175 Steubenville Pike – Pittsburgh, PA 15205 – (412) 444-4470
GEICO Insurance Agent
9026 St Simon Way – Pittsburgh, PA 15237 – (412) 364-7170
Dowd Insurance Agency Inc
998, Greensburg Pike – East Pittsburgh, PA 15112 – (412) 271-5477
Wagner Agency, Inc.
5020 Centre Ave – Pittsburgh, PA 15213 – (412) 681-2700