Wouldn’t life be great if we could just give you the name of the one perfect auto insurance company that has the cheapest rates for handicapped drivers? It’s just not that easy, however, as there are a whole bunch of unknowns such as how experienced of a driver you are, whether or not you own a home, and your annual mileage driven, that all factor into the price you pay. This article will cover the best ways to find cheap auto insurance and will give you a solid foundation to find cheaper car insurance in California.
For drivers with handicaps, one of the more important criteria that aid in calculating the annual cost of car insurance is your address in San Francisco. Cities with larger populations tend to have more expensive car insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates have the enjoyment of a little cheaper coverage.
The next table sorts the most expensive cities in California for handicapped drivers in which to buy car insurance. San Francisco is ranked #3 with an annual premium of $1,745 for the average policy, which is around $145 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Los Angeles | $2,146 |
| 2 | Glendale | $2,121 |
| 3 | San Francisco | $1,745 |
| 4 | Oakland | $1,687 |
| 5 | Sacramento | $1,669 |
| 6 | San Bernardino | $1,628 |
| 7 | Long Beach | $1,578 |
| 8 | Moreno Valley | $1,551 |
| 9 | Modesto | $1,547 |
| 10 | Stockton | $1,541 |
| 11 | Fontana | $1,535 |
| 12 | Santa Clarita | $1,533 |
| 13 | Garden Grove | $1,508 |
| 14 | Riverside | $1,497 |
| 15 | Fresno | $1,472 |
| 16 | Santa Ana | $1,453 |
| 17 | Anaheim | $1,430 |
| 18 | Huntington Beach | $1,416 |
| 19 | San Jose | $1,381 |
| 20 | Fremont | $1,361 |
| 21 | Irvine | $1,343 |
| 22 | Bakersfield | $1,340 |
| 23 | San Diego | $1,340 |
| 24 | Oxnard | $1,318 |
| 25 | Chula Vista | $1,298 |
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Premium amounts are approximated as the specific zip code location can impact coverage rates greatly.
The vehicle model you are buying coverage for is a large consideration when looking for cheaper auto insurance for handicapped drivers. Vehicles with reasonable performance levels, an excellent safety record, or a positive history of liability claims will cost much less to insure than adrenaline junky models. The list below showcases auto insurance premiums for a selection of the most cost-effective automobiles to buy coverage for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Edge SEL AWD | $1,459 |
| Volkswagen Jetta S 4-Dr Sedan | $1,487 |
| Dodge Grand Caravan Crew | $1,517 |
| Ford Explorer Limited AWD | $1,523 |
| Honda Civic VP 4-Dr Sedan | $1,535 |
| Ford Escape XLS 2WD | $1,540 |
| Toyota Corolla XLE | $1,563 |
| Honda CR-V EX-L 4WD | $1,578 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $1,586 |
| Honda Odyssey Touring | $1,594 |
| Toyota Prius | $1,603 |
| Chevrolet Silverado LTZ Extended Cab 4WD | $1,594 |
| Chevrolet Silverado 2500HD LT Crew Cab 4WD | $1,604 |
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Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Price estimates do not factor in garaging location in San Francisco, CA which can raise or lower premiums significantly.
Looking at the numbers, we can presume that vehicles like the Ford Edge, Volkswagen Jetta, and Dodge Grand Caravan are likely to be a few of the cheaper vehicles to insure for drivers with handicaps.
Trying to find low-priced insurance is not most people’s favorite thing to do, and finding out which company quotes the best car insurance rates for handicapped drivers will involve more quotes for comparison. Every auto insurer has their own formula to determine premium rates, so let’s take a look at the most budget-friendly car insurance companies in California.
It’s a good idea to know that San Francisco car insurance rates are impacted by many factors that control the cost of coverage. Price variation is why it is so important to do a thorough rate comparison to get cheap insurance quotes for handicapped drivers. Auto insurance prices are impacted by many factors and change substantially, so the lowest-price company six months ago may now be an over-priced policy.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Wawanesa | $1,181 |
| 3 | CSAA | $1,198 |
| 4 | Nationwide | $1,213 |
| 5 | Century National | $1,226 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,477 |
| 8 | Allstate | $1,497 |
| 9 | Mercury | $1,503 |
| 10 | Allied | $1,541 |
| 11 | Progressive | $1,542 |
| 12 | GEICO | $1,575 |
| 13 | MetLife | $1,606 |
| 14 | The Hartford | $1,623 |
| 15 | State Farm | $1,682 |
| 16 | Esurance | $1,739 |
| 17 | Unitrin | $1,750 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $1,966 |
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USAA may have some of the lowest car insurance rates in San Francisco at around $1,121 each year. Wawanesa, CSAA, Nationwide, and Century National would also make the list of some of the lowest-priced San Francisco, CA car insurance companies.
As shown above, if you currently have a policy with Century National and switched to Wawanesa, you might achieve a yearly savings of in the neighborhood of $45. Drivers with 21st Century may save as much as $198 a year, and Grange customers might lower prices by up to $296 a year.
Understand that those prices are averages for all insureds and vehicles and do not factor in a specific zip code for handicapped drivers. So the insurer that can offer you the best price may not even be in the list above. That helps illustrate why you need to get quotes using your own personal information and vehicle type.
Types of discounts on San Francisco car insurance rates
Insurers that offer cheap quotes for handicapped drivers could also offer policy discounts that could lower prices by as much as 30% if you meet the requirements. The best car insurance companies and a selection of discounts can be found below.
- State Farm policyholders can earn discounts including accident-free, anti-theft, student away at school, good driver, multiple autos, good student, and Drive Safe & Save.
- Farmers Insurance offers premium reductions for switch companies, distant student, electronic funds transfer, homeowner, and business and professional.
- GEICO has discounts for anti-theft, multi-policy, daytime running lights, military active duty, good student, membership and employees, and air bags.
- American Family offers discounts including bundled insurance, mySafetyValet, multi-vehicle, air bags, defensive driver, accident-free, and good driver.
- Nationwide may include discounts for Farm Bureau membership, good student, business or organization, defensive driving, multi-policy, and accident-free.
- Progressive includes discounts for multi-vehicle, homeowner, multi-policy, continuous coverage, and good student.
The illustration below compares insurance premiums with and without policy discounts. The premium estimates are based on a female driver, no violations or claims, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, anti-theft, claim-free, passive restraint, accident-free, and multiple vehicle discounts applied. With discounts applied, theamount saved on car insurance for handicapped drivers is 28% or $608.
Price comparison of only insuring for liability
Reducing the cost of car insurance is the goal of the majority of vehicle owners, and one of the best ways to reduce the cost of insurance for handicapped drivers is to not buy comprehensive and collision coverage. The diagram below shows the comparison of insurance costs with liability coverage only compared to full coverage. The information is based on no claims or driving citations, $250 deductibles, single marital status, and no policy discounts are applied.
If all age groups are averaged, full coverage costs an additional $2,314 per year more than just buying liability only. Many people question if paying for full coverage is a waste of money. There is no set rule for eliminating comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of coverage is about 10% or more of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.
For example, let’s pretend your vehicle’s book value is $8,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company would pay you is $7,000 after the policy deductible has been paid. If you are paying more than $700 annually for your policy with full coverage, then it could be time to drop full coverage.
There are some scenarios where dropping physical damage coverage is not recommended. If you haven’t satisfied your loan, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should keep full coverage.
A good deal can quickly turn bad
San Francisco car insurance rates are impacted by many factors which can substantially change the price you have to pay. Turning one year older, marrying your spouse, or having an accident may cause policy rate changes that can now make some companies affordable when they were higher priced.
And not only may your rating factors change, but insurance companies change rates without warning to adjust for gains or losses. An extended period of higher than normal claims may cause increased rates, while lower claim levels may cause more affordable San Francisco car insurance rates.
The bar chart below shows a variety of companies that have the cheapest car insurance in San Francisco, CA for a 30-year-old male driver with a good driving record, no prior claims, and a good credit rating. If we estimate rates based on his current situation, USAA quotes the most affordable car insurance rates in San Francisco at $1,412 per year. This is $239 less than the average price paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide are also included in the cheapest San Francisco, CA auto insurance companies.
The next chart shows rates after we give the driver from the first rate comparison an at-fault accident, poor credit, and a speeding ticket. Due to the fact that every auto insurer has a different formula for determining rates, comparing prices will most likely result in a completely different list of companies as shown below.
Grange now has the cheapest price in San Francisco, CA with Progressive, Allstate, GEICO, and Mercury also being competitive. This shows why it is crucial to compare many different companies to get the best insurance rates for handicapped drivers. Auto insurance prices can be altered by many different factors and can decrease or increase without notice, so the lowest-price company the last time you shopped your coverage around may now be one of the more expensive options.
The auto insurance agents in San Francisco shown below can probably help you make a decision which auto insurance policy would work best for you, since lots of drivers aren’t clear which coverage they need and would like to get help from a professional when comparing insurance rates for drivers with handicaps. It’s not always simple to find the best policy yourself, so a professional agent can provide comfort knowing your coverage gives you enough coverage if you have a claim. To locate an agency by location nearest to you, click the link at the bottom.
- Adrienne Ng – State Farm Insurance Agent
425 Market St #2252 – San Francisco, CA 94105 – (415) 292-8088 - Ron Burks – State Farm Insurance Agent
220 Montgomery St #480 – San Francisco, CA 94104 – (415) 397-2994 - Riskguard Insurance Solutions
422 Presidio Ave – San Francisco, CA 94115 – (415) 447-4212