The words “economical” and “auto insurance” really shouldn’t be used together, specifically when you are looking for the lowest insurance rates for handicapped drivers. Let’s learn about some things that significantly impact car insurance rates, and see how we can help you take the sting out of the next policy you buy.
For drivers with handicaps, one of the more important things that aid in calculating insurance cost is where your residence is in Oakland. Larger areas will most likely have higher rates, whereas areas with lower crime rates and fewer weather claims benefit from lower rates.
The illustration below rates the priciest cities in California for handicapped drivers in which to purchase auto insurance. Oakland is ranked #4 with an annual cost of $1,704 for car insurance, which is approximately $142 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Los Angeles | $2,146 |
| 2 | Glendale | $2,142 |
| 3 | San Francisco | $1,745 |
| 4 | Oakland | $1,704 |
| 5 | Sacramento | $1,703 |
| 6 | Stockton | $1,588 |
| 7 | San Bernardino | $1,580 |
| 8 | Long Beach | $1,578 |
| 9 | Garden Grove | $1,570 |
| 10 | Fontana | $1,566 |
| 11 | Moreno Valley | $1,551 |
| 12 | Santa Clarita | $1,548 |
| 13 | Riverside | $1,542 |
| 14 | Modesto | $1,487 |
| 15 | Fresno | $1,457 |
| 16 | Anaheim | $1,444 |
| 17 | Santa Ana | $1,439 |
| 18 | San Jose | $1,395 |
| 19 | Huntington Beach | $1,360 |
| 20 | Oxnard | $1,358 |
| 21 | Fremont | $1,348 |
| 22 | Bakersfield | $1,340 |
| 23 | San Diego | $1,340 |
| 24 | Chula Vista | $1,337 |
| 25 | Irvine | $1,330 |
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Rate quotes are comparative as zip code location can influence prices substantially.
The vehicle model to be insured is one of the biggest factors when consumers are trying to find the most economical car insurance for handicapped drivers. Vehicles with high performance engines, a lack of safety features, or high incidents of liability claims will cost quite a bit more to insure than safer, lower-performance models.
The next table showcases auto insurance rates for the most cost-effective automobiles to insure in California.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 2WD | $1,276 |
| Honda CR-V LX 2WD | $1,283 |
| Toyota Prius | $1,412 |
| Ford Edge SEL 2WD | $1,479 |
| Toyota Camry LE | $1,507 |
| Volkswagen Jetta S 4-Dr Sedan | $1,517 |
| Ford Fusion S 4-Dr Sedan | $1,507 |
| Ford Focus SES 4-Dr Sedan | $1,555 |
| Honda Accord LX-P 4-Dr Sedan | $1,566 |
| Hyundai Elantra GLS Touring Station Wagon | $1,573 |
| Nissan Altima Hybrid 4-Dr Sedan | $1,612 |
| GMC Sierra 2500HD SLE Extended Cab 4WD | $1,621 |
| GMC Sierra SLE Crew Cab 2WD | $1,612 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,617 |
| Chevrolet Impala LT | $1,724 |
| Chevrolet Malibu LS | $1,730 |
| Chevrolet Equinox LS AWD | $1,724 |
| Ford F-150 XLT Regular Cab 4WD | $1,750 |
| Dodge Ram 2500 Crew Cab Laramie 4WD | $1,753 |
| Ford Explorer Eddie Bauer 4WD | $1,758 |
| Start Your Quote Go | |
Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Table data does not factor in specific zip code location which can decrease or increase rates noticeably.
Based upon the table data, makes and models like the Ford Escape, Honda CR-V, Toyota Prius, Ford Edge, and Toyota Camry will be a few of the more affordable vehicles to insure for drivers with handicaps.
How to find a good Oakland auto insurance company
Picking a highly-rated company is difficult considering how many companies provide coverage in California. The rank data shown below may help you decide which companies to look at when shopping insurance around for handicapped drivers.
The ratings below are for companies that insure vehicles nationwide, so companies without a large exposure will not be included in the list. To view rates from these and other competitive companies, simply click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Liability-only versus full coverage
Saving on auto insurance is important to the majority of vehicle owners, and one of the best ways to save on the cost of insurance for handicapped drivers is to only buy liability coverage. The diagram below illustrates the difference between insurance costs when comparing full coverage to liability only. The price estimates are based on no claims or violations, $1,000 deductibles, drivers are single, and no discounts are applied.
If averaged for all ages, physical damage coverage on your policy costs an extra $1,849 per year more than just insuring for liability. That is a big expense that brings up the question when is the right time to remove full coverage. There is no written rule to delete physical damage insurance, but there is a guideline you can use. If the annual cost of coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.
For example, let’s say your vehicle’s claim settlement value is $9,500 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $8,500 after paying your deductible. If you are paying in excess of $850 a year to have full coverage, then it may be the right time to buy liability only.
Careless Oakland drivers pay higher rates
The ideal way to get the cheapest auto insurance premiums for drivers with handicaps is to drive safely and avoid accidents and keep your driving record clean. The illustration below illustrates how violations and at-fault claims impact car insurance costs for different age groups. The premium estimates are based on a single male driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.
In the previous chart, the average cost of an auto insurance policy in Oakland per year with a clean driving record and no accidents is $2,075. Factor in one speeding ticket and the average cost swells to $2,341, an increase of $266 each year. Now throw in two accidents along with the one speeding ticket and the annual cost of auto insurance for handicapped drivers jumps again to an average of $4,724. That’s an increase of $2,649, or $221 per month, just for not being more responsible behind the wheel!