The vehicle model to be insured is probably the biggest factor in finding the best auto insurance for handicapped drivers. Vehicles with limited speed and performance, good crash test ratings, or a track record of few liability claims will cost substantially less to insure than high performance models. The next table outlines insurance rates for the most economical automobiles to buy insurance for.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 4WD | $1,370 |
| Honda Accord LX-P 4-Dr Sedan | $1,466 |
| Ford Escape XLS 4WD | $1,471 |
| Toyota Prius | $1,485 |
| Ford F-150 XL Super Cab 4WD | $1,503 |
| Dodge Grand Caravan CV | $1,508 |
| Jeep Wrangler Sport 4WD 2-Dr | $1,581 |
| Toyota RAV4 Sport 2WD | $1,589 |
| Chevrolet Malibu Hybrid | $1,594 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,618 |
| Ford Explorer XLT 2WD | $1,644 |
| Nissan Rogue SL 2WD | $1,699 |
| Honda Odyssey EX W/Rear Entertainment | $1,704 |
| Honda Civic Hybrid 4-Dr Sedan | $1,710 |
| GMC Sierra SL Extended Cab 2WD | $1,738 |
| Ford Focus SE 4-Dr Sedan | $1,748 |
| Jeep Grand Cherokee Laredo 2WD | $1,790 |
| Kia Optima EX | $1,813 |
| Hyundai Elantra SE 4-Dr Sedan | $1,834 |
| Dodge Ram 3500 Crew Cab SLT 2WD | $1,847 |
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Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Premium costs do not factor in zip code location which can lower or raise premium rates considerably.
Looking at the rates, you can expect makes and models like the Honda CR-V, Honda Accord, Ford Escape, and Toyota Prius are going to be the more affordable vehicles to insure for drivers with handicaps.
One of the many components that are looked at to help calculate the amount you pay for auto insurance is where you call home. More densely populated places tend to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims have the luxury of lower rates.
The following table shows the most costly cities in Ohio for handicapped drivers to purchase auto insurance in. Cleveland is ranked #2 with a yearly premium of $1,272 for coverage, which is about $106 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Toledo | $1,279 |
| 2 | Cleveland | $1,272 |
| 3 | Youngstown | $1,247 |
| 4 | Columbus | $1,211 |
| 5 | Cincinnati | $1,174 |
| 6 | Cleveland Heights | $1,166 |
| 7 | Akron | $1,157 |
| 8 | Euclid | $1,129 |
| 9 | Dayton | $1,108 |
| 10 | Hamilton | $1,102 |
| 11 | Canton | $1,102 |
| 12 | Newark | $1,095 |
| 13 | Springfield | $1,072 |
| 14 | Middletown | $1,066 |
| 15 | Fairfield | $1,053 |
| 16 | Beavercreek | $1,047 |
| 17 | Mansfield | $1,032 |
| 18 | Lakewood | $1,031 |
| 19 | Cuyahoga Falls | $1,027 |
| 20 | Parma | $1,027 |
| 21 | Kettering | $1,020 |
| 22 | Strongsville | $1,001 |
| 23 | Mentor | $988 |
| 24 | Elyria | $975 |
| 25 | Lorain | $975 |
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Information shown are estimated as specific location information can influence price quotes significantly.
Determining which company offers the lowest-priced insurance rates for handicapped drivers calls for a bit more effort in order to find a policy that fits your budget. Each auto insurance company has a different process for establishing rates, so let’s take a look at the insurance companies with the overall best prices in Ohio.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Utica National | $635 |
| 2 | Erie | $661 |
| 3 | Frankenmuth | $680 |
| 4 | Allied | $690 |
| 5 | Travelers | $705 |
| 6 | USAA | $719 |
| 7 | Merchants Insurance Group | $748 |
| 8 | Cincinnati Insurance | $756 |
| 9 | Grange Mutual | $812 |
| 10 | General Casualty | $813 |
| 11 | Motorists Mutual | $816 |
| 12 | Central Mutual | $848 |
| 13 | Hastings Mutual | $884 |
| 14 | State Farm | $894 |
| 15 | Atlantic States | $913 |
| 16 | Western Reserve | $932 |
| 17 | Westfield | $946 |
| 18 | Progressive | $982 |
| 19 | Auto-Owners | $988 |
| 20 | Nationwide | $998 |
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Utica National may offer some of the most affordable car insurance rates in Cleveland at around $635 per year. Erie, Frankenmuth, Allied, and Travelers would also be considered some of the most economical Cleveland, OH insurance companies.
In the rate table above, if you have coverage with Allied and switched to Erie, you could realize yearly savings of in the vicinity of $29. Customers with Travelers may save as much as $44 a year, and USAA insureds might reduce rates by $58 a year.
To get a quick, customized rate comparison, click here to start your free quote or quote rates from the companies below.
These policy rates are averages for all drivers and vehicles and do not factor in a specific location for handicapped drivers. So the company that is best suited for you may not even be in the top 33 companies in the list above. That’s why you need to get rate quotes using your own personal information and vehicle type.
Difference between liability only and full coverage rates
Paying a lower price for insurance is probably important to the majority of vehicle owners, and an easy way to pay less for insurance for handicapped drivers is to not buy full coverage. The information below visualizes the comparison of insurance rates with and without full coverage. The data is based on no accidents or driving violations, $1,000 deductibles, marital status is single, and no discounts are factored in.
If averaged for all ages, physical damage insurance costs $1,039 per year more than just buying liability only. At some point, almost every driver questions if physical damage coverage is worth the money. There is no clear-cut rule for dropping comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is 10% or more of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.
For example, let’s say your vehicle’s settlement value is $12,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, you would only receive $11,000 after paying your policy deductible. If you are paying in excess of $1,100 a year for full coverage, then it might be time to buy liability only.
Best insurance in Cleveland
Choosing a good quality company can be a challenge considering how many companies there are to choose from in Cleveland. The rank data listed below may help you select which companies to look at buying from.
These rankings only include the largest auto insurers in America, so smaller regional companies are not included in this list. If you’d like to compare prices from these companies and more, click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Titan Insurance | 89 | 91 | 83 | 86% | A+ | 89.3 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| Erie Insurance | 92 | 90 | 82 | 88% | A+ | 88.5 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
| The General | 88 | 80 | 85 | 80% | A- | 84.5 |
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Data Source: Insure.com Best Car Insurance Companies
The illustration below shows how different deductible levels can raise or lower insurance rates when trying to find cheap insurance for handicapped drivers. The premiums are based on a single male driver, comp and collision included, and no additional discounts are factored in.
In the chart above, a 50-year-old driver could lower their car insurance rates by $186 a year by changing from a $100 deductible to a $500 deductible, or save $282 by using a $1,000 deductible. Young drivers, like the 20-year-old, could drop their prices $612 every year just by using higher deductibles.
When raising deductibles, it will be necessary to have additional funds squirreled away to allow you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Why you should compare rates
Ohio insurance rates are calculated based on many things that will increase or decrease the cost of a policy. Getting older, buying a home instead of renting, or getting caught speeding may prompt premium changes resulting in some rates now being more affordable than others.
In addition, auto insurance companies amend pricing as needed in order to remain profitable. A period of increased losses may result in more expensive prices, while lower claims can cause more affordable Cleveland car insurance rates.
As an example, the bar chart below compares the cheapest car insurance in Cleveland, OH for a 45-year-old male driver with no accidents, a clean driving record, and solid credit. Based on his personal risk profile, Utica National might offer the best car insurance rates in Cleveland at $845 annually. This is $195 less than the average premium paid by Ohio drivers of $1,040. Erie, Frankenmuth, Allied, and USAA are the rest of the most affordable Cleveland, OH auto insurance companies.
Now we will pretend the driver from above a chargeable accident, bad credit, and a traffic ticket or two. Since each company uses their own formula to set their prices, comparing prices will most likely result in a completely different list of the cheapest Cleveland car insurance companies as shown below.
Cincinnati Insurance now has the lowest price on auto insurance in Cleveland, OH with Merchants Insurance Group, Motorists Mutual, Grange Mutual, and General Casualty also having competitive pricing. This example shows why drivers need to shop around when trying to get the most affordable insurance rates for handicapped drivers. Prices are calculated by many risk factors and can change substantially, so the cheapest company when you bought your policy may now be quite expensive.