The vehicle model you are seeking coverage for is probably the most important factor when looking for the best car insurance for handicapped drivers. Vehicles with higher performance characteristics, a lack of advanced safety features, or a track record of large liability claims will cost more to insure than more economical and safe models. The information below showcases coverage costs for a number of the most affordable automobiles to buy insurance for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $2,116 |
| Hyundai Elantra GLS Touring Station Wagon | $2,126 |
| Ford Escape Limited 2WD | $2,232 |
| Volkswagen Jetta SE 2.5 Station Wagon | $2,260 |
| Ford Edge Sport AWD | $2,404 |
| Toyota Prius | $2,411 |
| Kia Optima LX | $2,448 |
| Hyundai Sonata GLS 4-Dr Sedan | $2,453 |
| Ford F-150 XL Regular Cab 4WD | $2,455 |
| Jeep Wrangler Sahara 4WD 2-Dr | $2,461 |
| Ford Explorer XLT 2WD | $2,455 |
| Dodge Ram Quad Cab TRX4 Off Road 2WD | $2,492 |
| Chevrolet Malibu LS | $2,502 |
| Dodge Grand Caravan Hero | $2,512 |
| Toyota RAV4 Limited 4WD | $2,502 |
| Chevrolet Equinox LT AWD | $2,508 |
| Chevrolet Impala LT | $2,502 |
| Ford F-350 XL Super Cab Turbo Diesel 2WD | $2,536 |
| Nissan Altima 2.5 4-Dr Sedan | $2,574 |
| Chevrolet Silverado LS Regular Cab 2WD | $2,586 |
| Honda Civic VP 4-Dr Sedan | $2,592 |
| Toyota Camry Hybrid | $2,614 |
| Toyota Camry Hybrid | $2,621 |
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Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Kentucky minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Rates do not factor in specific Louisville, KY garaging location which can raise or lower premiums substantially.
Looking at the numbers, we can tell that models like the Honda CR-V, Hyundai Elantra, Ford Escape, and Volkswagen Jetta will be the most economical vehicles to insure for drivers with handicaps.
For drivers with handicaps, one of the big components that are used to help calculate the amount you pay for auto insurance is where you call home in Louisville. Areas with high crime rates or more dense population tend to pay slightly more, whereas areas with lower vehicle theft rates and fewer weather claims have the benefit of cheaper auto insurance prices.
The table below lists the most expensive cities in Kentucky for handicapped drivers to purchase car insurance in. Louisville makes the list at #1 with an annual cost of $2,154 for the average policy, which is approximately $180 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Louisville | $2,154 |
| 2 | Frankfort | $1,725 |
| 3 | Jeffersontown | $1,685 |
| 4 | Saint Matthews | $1,660 |
| 5 | Ashland | $1,656 |
| 6 | Paducah | $1,631 |
| 7 | Radcliff | $1,606 |
| 8 | Madisonville | $1,600 |
| 9 | Elizabethtown | $1,595 |
| 10 | Danville | $1,581 |
| 11 | Murray | $1,549 |
| 12 | Winchester | $1,501 |
| 13 | Lexington | $1,499 |
| 14 | Henderson | $1,495 |
| 15 | Hopkinsville | $1,493 |
| 16 | Georgetown | $1,491 |
| 17 | Covington | $1,487 |
| 18 | Independence | $1,480 |
| 19 | Richmond | $1,475 |
| 20 | Erlanger | $1,463 |
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Annual rates are comparative as the specific geographic location can lower or raise premiums greatly.
Irresponsible driving raises your rates
The easiest way to score low auto insurance premiums for drivers with handicaps is to be a careful driver and not have accidents or get tickets. The chart below illustrates how violations and at-fault fender-benders can drive up insurance rates for different age groups. The data assumes a single male driver, full coverage, $500 deductibles, and no discounts are applied.
In the chart above, the average cost of car insurance in Louisville per year with no accidents and a clean driving record is $1,541. Get written up for one speeding ticket and the average cost jumps to $1,736, an increase of $195 each year. Now include two accidents along with the one speeding ticket and the yearly cost of auto insurance for handicapped drivers jumps again to an average of $3,497. That’s an increase of $1,956, or $163 per month, just for not driving responsibly!
Cost of full coverage
Saving on auto insurance is the goal of the majority of vehicle owners, and one easy way to lower the cost of insurance for handicapped drivers is to only buy liability coverage. The information below compares insurance costs with and without physical damage coverage. The premium estimates are based on no violations or accidents, $250 deductibles, drivers are not married, and no policy discounts are applied.
If we average all the age groups together, full coverage costs $1,718 per year more than just buying liability only. That is a large expense and it proposes the question when is the right time to remove full coverage. There is no written rule that is best for determining when to drop physical damage coverage on your policy, but there is a general school of thought. If the annual cost of coverage is more than about 10% of the settlement you would receive from your company, then you may need to consider dropping full coverage.
There are a few cases where removing full coverage is not recommended. If you have an outstanding loan on your vehicle, you have to carry full coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not remove full coverage.
Get discount Louisville car insurance rates
Insurance providers that offer coverage for handicapped drivers could also offer policy discounts that could potentially reduce rates by as much as 35% if you meet specific eligibility requirements. Popular auto insurance companies and some of their more popular discounts include:
- State Farm has savings for anti-theft, good driver, accident-free, good student, and Drive Safe & Save.
- Nationwide offers discounts for anti-theft, multi-policy, easy pay, family plan, Farm Bureau membership, business or organization, and good student.
- GEICO discounts include driver training, anti-lock brakes, membership and employees, multi-vehicle, defensive driver, federal employee, and five-year accident-free.
- AAA policyholders can earn discounts including AAA membership discount, good student, anti-theft, good driver, and multi-car.
- 21st Century offers premium reductions for air bags, driver training, automatic seat belts, homeowners, student driver, good student, and early bird.
- The Hartford includes discounts for bundle, driver training, good student, air bag, anti-theft, and defensive driver.
The chart below illustrates the comparison of insurance rates with and without discounts being applied to the rates. The information is based on a male driver, no accidents, no driving violations, Kentucky state minimum liability limits, comp and collision included, and $500 deductibles.
The first bar for each age group shows the price with no discounts. The second bar shows the rates with multiple vehicle, multiple policy, claim-free, passive restraint, vehicle safety, and anti-theft discounts applied. When drivers take advantage of discounts, theaverage yearly reduction on auto insurance for handicapped drivers is 28% or $466.