Who Has Affordable Car Insurance Rates for Handicapped Drivers in Oakland?

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.

How much is car insurance in Oakland?
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.

Cheapest Vehicles to Insure in Oakland, CA
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
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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.

Top Auto Insurance Companies for Handicapped Drivers in Oakland, CA
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
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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!