The vehicle you are buying coverage for is probably the biggest factor when comparing the lowest-priced car insurance for handicapped drivers. Vehicles with lots of speed or power, poor crash test ratings, or an increased likelihood of liability claims will cost significantly more to insure than safer, lower-performance models. The next list shows auto insurance prices for some of the most cost-effective vehicles to buy insurance for.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $1,453 |
| Ford Escape Limited 2WD | $1,491 |
| Toyota RAV4 Limited 2WD | $1,525 |
| Chevrolet Silverado LS Extended Cab 4WD | $1,534 |
| Volkswagen Jetta LE 4-Dr Sedan | $1,525 |
| Hyundai Elantra SE Touring Station Wagon | $1,535 |
| Jeep Wrangler Unlimited Sport 2WD 4-Dr | $1,540 |
| Toyota Prius | $1,568 |
| Ford Explorer XLT 4WD | $1,576 |
| Toyota Corolla LE | $1,606 |
| Dodge Ram Crew Cab SLT 2WD | $1,663 |
| Chevrolet Silverado 3500HD LT Crew Cab 2WD | $1,670 |
| Ford Fusion S 4-Dr Sedan | $1,668 |
| Honda Civic DX 4-Dr Sedan | $1,681 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,701 |
| Dodge Grand Caravan Hero | $1,719 |
| Chevrolet Equinox LS AWD | $1,726 |
| Nissan Altima 2.5 4-Dr Sedan | $1,719 |
| Ford F-250 XL Cabela Package 2WD | $1,745 |
| Toyota Camry Hybrid | $1,751 |
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Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Estimates do not factor in specific location information which can impact coverage prices greatly.
Based upon the table data, we can expect models like the Honda CR-V, Ford Escape, Toyota RAV4, and Chevrolet Silverado are likely to be the most affordable vehicles to insure for drivers with handicaps.
Comparing rates for low-priced car insurance is easier said than done, and figuring out which companies offer the most affordable auto insurance rates for handicapped drivers will require more quotes for comparison. Every insurance provider has a different process to determine premium rates, so we need to take a look at the lowest cost auto insurance companies in Columbus, OH.
It’s important that readers know that Columbus auto insurance rates are impacted by many factors that may substantially change the price you pay for coverage. This price variation is why drivers need to perform a complete rate comparison to get affordable car insurance quotes for handicapped drivers. Rates can be determined by many different factors and can change substantially, so the best price when you bought your policy may now be quite expensive.
Cheap Insurance Rates in Ohio
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Utica National | $647 |
| 2 | Erie | $667 |
| 3 | Allied | $697 |
| 4 | Frankenmuth | $708 |
| 5 | USAA | $711 |
| 6 | Travelers | $726 |
| 7 | Cincinnati Insurance | $749 |
| 8 | Merchants Insurance Group | $778 |
| 9 | Motorists Mutual | $800 |
| 10 | Grange Mutual | $804 |
| 11 | General Casualty | $813 |
| 12 | Hastings Mutual | $866 |
| 13 | Central Mutual | $866 |
| 14 | State Farm | $885 |
| 15 | Atlantic States | $913 |
| 16 | Westfield | $946 |
| 17 | Western Reserve | $961 |
| 18 | Progressive | $962 |
| 19 | Auto-Owners | $968 |
| 20 | Nationwide | $988 |
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Utica National may offer some of the cheapest car insurance rates in Columbus at around $647 each year. Erie, Allied, Frankenmuth, and USAA would also be considered some of the most economical Columbus, OH insurance companies.
As shown in the rates above, if you are currently insured with Erie and switched to Utica National, you may see yearly savings of in the vicinity of $20. Policyholders with Allied could save as much as $50 a year, and Frankenmuth customers might lower prices by up to $61 a year.
It’s important to note that these prices are averaged across all types of drivers and the different vehicles they drive and do not factor in a vehicle location for handicapped drivers. So the auto insurance company that is most affordable for your situation may not even be in the top 33 companies in the list above. That emphasizes why you need to get rate quotes using your own specific driver and vehicle information.
For drivers with handicaps, one of the more important considerations that help determine the cost of insurance is where your residence is. Cities with more crime and/or more people tend to pay more, whereas areas with fewer weather claims and lower vehicle theft rates benefit from having to pay less for coverage.
The illustration below shows the highest-priced areas in Ohio for handicapped drivers in which to buy car insurance. Columbus comes in at #5 with an annual cost of $1,199 for the average policy, which is around $100 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Toledo | $1,279 |
| 2 | Cleveland | $1,259 |
| 3 | Youngstown | $1,247 |
| 4 | Cincinnati | $1,210 |
| 5 | Columbus | $1,199 |
| 6 | Cleveland Heights | $1,178 |
| 7 | Euclid | $1,164 |
| 8 | Dayton | $1,154 |
| 9 | Akron | $1,135 |
| 10 | Hamilton | $1,102 |
| 11 | Canton | $1,102 |
| 12 | Fairfield | $1,095 |
| 13 | Springfield | $1,072 |
| 14 | Newark | $1,053 |
| 15 | Lakewood | $1,041 |
| 16 | Kettering | $1,040 |
| 17 | Middletown | $1,035 |
| 18 | Beavercreek | $1,027 |
| 19 | Cuyahoga Falls | $1,027 |
| 20 | Strongsville | $1,011 |
| 21 | Elyria | $1,005 |
| 22 | Parma | $997 |
| 23 | Mansfield | $992 |
| 24 | Mentor | $988 |
| 25 | Lorain | $975 |
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Premium amounts are approximated as specific Columbus garaging address can change premium rates significantly.
Discounts on Columbus insurance
Insurance providers that sell policies for handicapped drivers may provide price discounts that could reduce prices by as much as 40% or more if you are eligible for them. Large auto insurance companies and their offered discounts are:
- Farmers Insurance offers discounts for switch companies, mature driver, teen driver, distant student, business and professional, good student, and pay in full.
- Esurance may include discounts for defensive driver, emergency road assistance, anti-theft, claim free, online quote, homeowner, and online shopper.
- State Farm offers discounts including passive restraint, Drive Safe & Save, safe vehicle, good student, and defensive driving training.
- GEICO has discounts for good student, multi-policy, daytime running lights, air bags, and military active duty.
- Allstate offers premium reductions for multi-policy, new car, auto/life discount, EZ pay plan discount, eSmart discount, good payer, and passive restraint.
The diagram below shows the difference between yearly insurance costs with and without policy discounts. Data assumes a female driver, a clean driving record, no claims, Ohio state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with multiple vehicle, multiple policy, claim-free, safe-driver, marriage, and anti-theft discounts applied. When discounts are factored in, the average amount saved each year on auto insurance for handicapped drivers is 27% or $282.
Drive safe and save
The easiest method to enjoy good auto insurance prices in Ohio for drivers with handicaps is to pay attention while driving and avoid accidents and traffic violations. The diagram below demonstrates how citations and at-fault fender-benders can affect insurance premiums for different age groups of insureds. The data is based on a married female driver, full coverage, $1,000 deductibles, and no discounts are applied.
In the previous chart, the average cost of an auto insurance policy in Columbus per year with no accidents or violations is $979. Get two speeding tickets and the average cost jumps to $1,381, an increase of $402 each year. Now add in two accidents along with the two speeding tickets and the yearly cost of auto insurance for handicapped drivers goes up to an average of $3,077. That’s an increase of $2,098, or $175 per month, just for not paying attention while driving!
The chart below demonstrates how deductible levels can influence insurance costs when trying to find cheap insurance for handicapped drivers. Data assumes a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.
The data above shows that a 30-year-old driver could lower their car insurance rates by $178 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $272 by switching to a $1,000 deductible. Youthful drivers, like the Age 20 category, could lower their rates up to $384 or more just by choosing higher deductibles when buying full coverage.
When using a larger deductible, it will be important to have enough in a savings account to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
If you aren’t sure which coverage you need and prefer to get some guidance when trying to find lower insurance rates for handicapped drivers, the insurance agencies listed below are willing to help you determine which coverages are best. To locate a Columbus insurance agent using an interactive map, click the button below the list or click here to compare prices now.
American Family Insurance – Yelena Uchiteleva Agency LLC
233 S Hamilton Rd – Columbus, OH 43213 – (614) 235-1702
Meghan Humphreys – State Farm Insurance Agent
3468 N High St a – Columbus, OH 43214 – (614) 754-9855
Wolfe Insurance Group
630 E Broad St – Columbus, OH 43215 – (614) 418-5710
Larry Noll – State Farm Insurance Agent
2648 Billingsley Rd – Columbus, OH 43235 – (614) 889-1156
Andrea Taylor – State Farm Insurance Agent
5540 N Hamilton Rd – Columbus, OH 43230 – (614) 855-9421
View more Columbus, OH insurance agencies
How to find low-cost car insurance for handicapped drivers
It is possible to find better rates, and here are some penny-pinching ideas that can help Columbus drivers get cheap auto insurance.
- Violations and traffic tickets increase rates
- Buy vehicles with good safety ratings
- Higher deductibles mean lower rates
- Staying accident-free helps keep rates low
- Good credit can save money
- Assess whether full coverage is needed
- Look for cheaper rates once a year by shopping around
That final tip is incredibly critical, as was noted in the prior information. Auto insurance rates can be adjusted at any time, so don’t be unwilling to buy a different policy if a more affordable price is available. Many drivers tend to have loyalty to a certain company, but we do not recommend it if it’s costing you a fortune every year. In just a couple of minutes you could compare prices and find cheaper car insurance for handicapped drivers in Columbus.