How Much Does Auto Insurance Cost for Handicapped Drivers in Kentucky?

When shopping for the cheapest car insurance for drivers with handicaps, one of the many considerations that car insurance companies take into consideration when calculating the price you pay for insurance is where you choose to live in Kentucky. Areas with high crime rates or more dense population like Louisville, Ashland, and Saint Matthews likely pay more, whereas areas with less congestion generally pay less for car insurance.

The table below illustrates the most expensive areas in Kentucky for handicapped drivers in which to buy car insurance.

Annual rates are estimated as vehicle location can modify rates considerably.

The car, truck, or SUV you are buying coverage for is probably the most important factor when comparing cheap auto insurance for handicapped drivers in Kentucky. Vehicles with lower acceleration and performance, good crash test ratings, or a positive history of liability claims will cost substantially less to insure than adrenaline junky models. The next tables showcases auto insurance rates for a number of the most budget-friendly vehicles to insure.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Premium costs do not factor in specific location which can increase or decrease coverage prices significantly.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Estimates do not factor in vehicle garaging location which can lower or raise premium rates greatly.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Price estimates do not factor in vehicle location which can lower or raise premiums substantially.

Figuring out which company offers the lowest-priced car insurance rates for handicapped drivers may require a bit more effort than just comparing a company or two. Each insurer has a unique formula for determining rates in each state, so let’s take a look at the overall cheapest car insurance companies in Kentucky.

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Cincinnati Insurance quotes some of the cheapest car insurance rates in Kentucky at around $1,093 annually. Kentucky Farm Bureau, USAA, Auto-Owners, and Grange Mutual also qualify as some of the cheaper Kentucky car insurance companies.

In this example, if you currently have coverage with Grange Mutual and switched to Kentucky Farm Bureau, you might achieve annual savings of around $438. Insureds with Travelers could save as much as $475 a year, and Motorists Mutual customers might reduce prices by as much as $478 a year.

These policy rates are averaged for all drivers and vehicles and are not factoring in a rate discount for handicapped drivers. So the auto insurance company that has the cheapest rates for you may not even be featured in the above rate chart. That affirms the importance of why you need to get car insurance quotes using your own driver data and vehicle information.

The diagram below demonstrates how deductibles can raise or lower yearly insurance costs when trying to find cheap insurance for handicapped drivers. Data assumes a married male driver, full coverage, and no discounts are applied.

The chart above illustrates that a 40-year-old driver could lower their car insurance rates by $306 a year by increasing from a $100 deductible to a $500 deductible, or save $462 by using a $1,000 deductible. Young drivers, like the 20-year-old example, could save as much as $1,034 or more by using higher deductibles when buying full coverage.

When raising deductibles, it is a good idea to have emergency funds available to allow you to cover the extra out-of-pocket expense, which is the main drawback of higher deductibles.