Wouldn’t it be great if we knew the single company that has the cheapest car insurance rates for handicapped drivers? It’s not that simple, unfortunately, as there are a lot of unknown aspects such as if you just need liability coverage, what deductibles to use for physical damage coverage, and the crash test ratings of your vehicle, that all have an effect on the price of a policy. The content below will cover the things that cause high insurance rates and educate you enough to have a good beginning to your search for cheaper coverage.
One of the many criteria that are used to help calculate insurance cost is your zip code in Los Angeles. Regions with larger populations or more claims tend to have higher rates, whereas areas with less people or fewer weather incidents benefit from lower prices.
The information below sorts the highest-priced areas in California for handicapped drivers in which to purchase auto insurance. Los Angeles makes the list at #1 having an annual price of $2,168 for car insurance, which is approximately $181 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,142 |
| 3 | San Francisco | $1,763 |
| 4 | Sacramento | $1,720 |
| 5 | Oakland | $1,704 |
| 6 | Long Beach | $1,610 |
| 7 | San Bernardino | $1,596 |
| 8 | Garden Grove | $1,570 |
| 9 | Fontana | $1,566 |
| 10 | Stockton | $1,556 |
| 11 | Moreno Valley | $1,536 |
| 12 | Santa Clarita | $1,533 |
| 13 | Fresno | $1,502 |
| 14 | Modesto | $1,487 |
| 15 | Santa Ana | $1,483 |
| 16 | Riverside | $1,482 |
| 17 | Anaheim | $1,444 |
| 18 | San Jose | $1,423 |
| 19 | Huntington Beach | $1,402 |
| 20 | Fremont | $1,389 |
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Rate information is comparative as specific Los Angeles garaging address can alter coverage rates considerably.
The car, truck, or SUV you are insuring is a significant factor when comparing affordable insurance for handicapped drivers. Vehicles with high performance features, poor passenger safety features, or a high likelihood of having liability claims will cost quite a bit more to insure than safer models. The list below ranks auto insurance costs for a number of the more affordable automobiles to buy insurance for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 2WD | $2,177 |
| Jeep Wrangler Sport 4WD 2-Dr | $2,240 |
| Ford Escape XLS 2WD | $2,247 |
| Volkswagen Jetta LE 4-Dr Sedan | $2,355 |
| Ford Edge SE 2WD | $2,383 |
| Dodge Grand Caravan Crew | $2,399 |
| Toyota Prius | $2,418 |
| Ford Focus SEL 4-Dr Sedan | $2,437 |
| Toyota Tacoma 2WD | $2,523 |
| Jeep Grand Cherokee SRT-8 4WD | $2,526 |
| Ford F-150 XLT Crew Cab 2WD | $2,529 |
| Toyota RAV4 2WD | $2,574 |
| Chevrolet Malibu LS | $2,581 |
| Chevrolet Silverado 3500HD LTZ Crew Cab 2WD | $2,615 |
| Chevrolet Impala LT | $2,650 |
| Hyundai Elantra Blue 4-Dr Sedan | $2,666 |
| Ford Explorer Eddie Bauer 4WD | $2,711 |
| Honda Odyssey EX-L W/Navigation | $2,717 |
| Toyota Corolla LE | $2,723 |
| Nissan Rogue SL 2WD | $2,755 |
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Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Rate quotes do not factor in zip code location which can lower or raise insurance rates greatly.
Based upon the table data, you can expect models like the Honda CR-V, Jeep Wrangler, Ford Escape, and Volkswagen Jetta are going to be a few of the more affordable vehicles to insure for drivers with handicaps.
Types of discounts on Los Angeles auto insurance rates
Insurers that offer quotes for handicapped drivers may provide premium discounts that may potentially lower prices by 40% or more if you are eligible to receive them. Larger auto insurance companies and a summarized list of policyholder discounts include:
- Progressive offers discounts for continuous coverage, multi-vehicle, homeowner, online signing, and multi-policy.
- MetLife offers discounts including multi-policy, good driver, claim-free, accident-free, good student, defensive driver
- Mercury Insurance policyholders can earn discounts including age of vehicle, ease of repair, multi-policy, multi-car, professional/association, and low natural disaster claims.
- Nationwide offers premium reductions for Farm Bureau membership, family plan, accident-free, anti-theft, multi-policy, and business or organization.
- GEICO discounts include air bags, good student, multi-vehicle, seat belt use, driver training, military active duty, and five-year accident-free.
- AAA includes discounts for AAA membership discount, multi-car, education and occupation, multi-policy, good student, good driver, and anti-theft.
The illustration below visualizes the comparison of insurance costs with and without discounts applied. The premiums assume a male driver, no claims or violations, California state minimum liability limits, comp and collision included, and $1,000 deductibles.
The first bar for each age group shows the price with no discounts. The lower bar shows the rates with passive restraint, accident-free, multiple vehicle, homeowner, multiple policy, and anti-theft discounts applied. When drivers qualify for the discounts, the average savings per year on auto insurance for handicapped drivers is 28% or $516.
The chart below illustrates how your choice of deductibles can change premium costs when trying to find cheap insurance for handicapped drivers. The premiums assume a single male driver, full coverage, and no discounts are factored in.
A 30-year-old driver could reduce rates by $488 a year by increasing from a $100 deductible to a $500 deductible, or save $736 by switching to a $1,000 deductible. Young drivers, like the 20-year-old, have the ability to save as much as $1,432 or more by using higher deductibles when buying full coverage. When increasing deductibles, it is necessary to have spare funds to enable you to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Which auto insurance company is best in Los Angeles?
Choosing a good quality insurance provider can be challenging considering how many companies sell insurance in Los Angeles. The ranking data below could help you pick which auto insurers you want to consider when shopping around. These ratings are only comprised of companies that insure vehicles across America, so companies that only write business in California or surrounding areas are not factored into the list.
Top 10 Major Car Insurance Companies in Los Angeles Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
The benefits of price comparisons
California auto insurance rates are impacted by many factors which can significantly increase or decrease the price you pay. Turning one year older, moving to a different location, or getting a couple of tickets may prompt premium changes that may make certain companies much cheaper than others.
Additionally, auto insurance companies modify pricing as often as every three months to adjust for heavy claims or excess profits. Higher than usual claims can cause price increases, while long-term profits may cause more affordable Los Angeles car insurance rates.
As an example, the data below demonstrates which company has the cheapest car insurance in Los Angeles, CA for a 40-year-old female driver with a clean driving record, no accidents, and a decent credit rating. If we compare prices based on her current risk factors, USAA has the best car insurance rates in Los Angeles at $1,781 a year. This is $130 more than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also included in the cheapest Los Angeles, CA auto insurance companies.
The chart below compares rates after we give the driver from the first example a couple of claims, less-than-perfect credit, and a traffic ticket or two. Because each company has their own process to set their prices, analyzing rate quotes will most likely result in a different set of affordable Los Angeles car insurance companies as shown below.
Grange now has the cheapest price in Los Angeles with Mercury, Progressive, Allstate, and GEICO also having competitive pricing. This example illustrates why it is crucial to compare many different companies when trying to find the most economical auto insurance quotes for handicapped drivers. Insurance prices can be altered by many things and change substantially, so the most economical company six months ago may now be quite expensive.