Best Cheap Auto Insurance Quotes for Handicapped Drivers in Texas

The vehicle to be insured is one of the main factors that determines whether or not you find cheap auto insurance for handicapped drivers. Vehicles with high performance features, poor passenger safety features, or a high likelihood of having liability claims will cost significantly more to insure than more economical and safe models. The table below shows car insurance prices for some of the most economical automobiles to buy coverage for.

Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Table data does not factor in garaging location in Texas which can change insurance rates substantially.

Based on these rates, you can conclude that makes and models like the Ford Escape, Honda CR-V, Chevrolet Traverse, Toyota Prius, and Subaru Forester are going to be some of the cheaper vehicles to insure for drivers with handicaps.

Establishing which company has the cheapest auto insurance rates for handicapped drivers will involve a little more work in order to find the lowest price quote. Each insurance company has a different formula to determine premium rates, so we need to take a look at the overall cheapest auto insurance companies in Texas.

Cheapest Insurance Rates in Texas

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Travelers generally has some of the lowest car insurance rates in Texas at around $1,021 a year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also qualify as some of the lowest-priced Texas car insurance companies.

As illustrated above, if you are a policyholder with Esurance and switched to USAA, you could earn annual savings of approxmiately $237. Customers with California Casualty may save as much as $254 a year, and Mercury customers might realize rate reductions of up to $348 a year.

Bear in mind that those policy prices are averages across all ages of drivers and types of vehicles and do not factor in a rate discount for handicapped drivers. So the insurer that fits you best may not even be in the above rate chart. That points out the importance of why you need to compare prices as often as possible using your own driver and vehicle profiles.

For drivers with handicaps, one of the largest considerations that affect insurance cost is your zip code in Texas. Cities with larger populations like McAllen, Dallas, and Laredo will most likely have higher rates, whereas areas that tend to be more rural generally have lower rates.

The information below illustrates the most costly cities in Texas for handicapped drivers to buy car insurance in.

Information shown are estimated as specific location information can change auto insurance rates noticeably.

Geico, Progressive, State Farm, and Allstate: Who is cheapest?

When it comes to auto insurance, the companies that insure more vehicles than anyone else are Geico, Progressive, State Farm, and Allstate. They all have your normal coverages like liability, comprehensive, and collision, but each one offers a unique set of features, discounts, and options that shoppers can choose from. The next table compares ratings for price, service, and claims, in additional to some of the optional coverages .