Wouldn’t this article be short if we could magically tell you the one best company that has the cheapest policy rates for handicapped drivers? It’s just not that simple, as there are a whole bunch of unknown aspects such as if you are a homeowner or renter, if you have maintained coverage continuously, whether you are a man or a woman, and if you are married or single, that all have an effect on the price. We will try to teach you about some of these things and will hopefully give you a good beginning to your search for cheaper coverage.
The car, truck, or SUV you are buying coverage for is one of the primary factors when comparing the best auto insurance for handicapped drivers. Vehicles with lots of speed or power, poor crash test ratings, or a history of substantial liability claims will cost quite a bit more to insure than more economical and safe models. The table below presents coverage costs for a handful of the cheaper automobiles to buy insurance for.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX-L 2WD | $1,455 |
| Hyundai Elantra SE Touring Station Wagon | $1,545 |
| Toyota Camry LE | $1,688 |
| Jeep Wrangler Unlimited Sport 4WD 4-Dr | $1,748 |
| Ford Escape XLS 4WD | $1,756 |
| Honda Accord LX-P 4-Dr Sedan | $1,748 |
| Volkswagen Jetta 2.0T 4-Dr Sedan | $1,807 |
| Chevrolet Malibu LTZ | $1,815 |
| Kia Optima LX | $1,810 |
| Dodge Ram Crew Cab ST 4WD | $1,843 |
| Nissan Altima 2.5 S 2-Dr Coupe | $1,929 |
| Toyota Camry Hybrid | $1,937 |
| Toyota RAV4 Sport 4WD | $1,932 |
| Chevrolet Equinox LS 2WD | $1,939 |
| Toyota Prius | $1,940 |
| Ford Explorer XLT AWD | $1,959 |
| Ford F-150 STX Regular Cab 4WD | $1,965 |
| Dodge Grand Caravan SE | $1,959 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $1,967 |
| Honda Civic DX 2-Dr Coupe | $1,978 |
| Chevrolet Impala LS | $2,030 |
| Ford Edge Limited AWD | $2,032 |
| Toyota Corolla XLE | $2,038 |
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Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Minnesota minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Prices do not factor in zip code location which can influence price quotes greatly.
Based upon the table data, you can assume that vehicles like the Honda CR-V, Hyundai Elantra, and Toyota Camry are most likely to be the cheapest vehicles to insure for drivers with handicaps.
Finding good, affordable insurance is not most people’s favorite thing to do, and finding out which insurers offer the cheapest car insurance rates for handicapped drivers involves even more perseverance. Each auto insurance company uses a little different formula to set their prices, so first we will examine the most affordable car insurance companies in Minneapolis, MN.
It’s important to understand that Minnesota car insurance rates are calculated based on many things that control the price of your policy. That is why drivers need to compare lots of rates to find the most economical insurance quotes for handicapped drivers. Insurance rates are determined by many different factors and can decrease or increase without notice, so the most economical option six months ago may now be quite expensive.
Best Car Insurance Prices in Minnesota
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $667 |
| 2 | Farm Bureau Mutual | $805 |
| 3 | USAA | $823 |
| 4 | Western National | $901 |
| 5 | West Bend Mutual | $943 |
| 6 | The Hartford | $964 |
| 7 | Allied | $1,210 |
| 8 | State Farm | $1,226 |
| 9 | American Family | $1,242 |
| 10 | General Casualty | $1,261 |
| 11 | California Casualty | $1,264 |
| 12 | Auto-Owners | $1,334 |
| 13 | Auto Club Group | $1,380 |
| 14 | Farmers | $1,393 |
| 15 | North Star | $1,404 |
| 16 | Progressive | $1,420 |
| 17 | Nationwide | $1,420 |
| 18 | Country | $1,455 |
| 19 | Allstate | $1,481 |
| 20 | MetLife | $1,549 |
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Travelers has some of the best car insurance rates in Minneapolis at around $667 annually. Farm Bureau Mutual, USAA, Western National, and West Bend Mutual also qualify as some of the more affordable Minneapolis, MN auto insurance companies.
In the above rates, if you currently have coverage with Western National and switched to Farm Bureau Mutual, you could see an annual premium reduction of approximately $96. Insureds with West Bend Mutual may save as much as $138 a year, and The Hartford insureds might reduce rates by $159 a year.
Remember that these premiums are averaged across all ages of drivers and types of vehicles and do not factor in an exact zip code location for handicapped drivers. So the company that can offer you the lowest price may not even be in the top 24 companies shown above. That point stresses why you need to get rate quotes using your own personal information and vehicle type.
For drivers with handicaps, one of the largest considerations that are looked at to help calculate the amount you pay each year for auto insurance is your address in Minneapolis. Areas with a lot of weather claims or more people likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates have the luxury of lower rates.
The illustration below shows the priciest cities in Minnesota for handicapped drivers to purchase auto insurance in. Minneapolis shows up at #3 with an annual cost of $2,018 for car insurance, which is around $168 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Maplewood | $2,066 |
| 2 | Saint Paul | $2,049 |
| 3 | Minneapolis | $2,018 |
| 4 | Blaine | $1,801 |
| 5 | Duluth | $1,794 |
| 6 | Coon Rapids | $1,756 |
| 7 | Woodbury | $1,748 |
| 8 | Brooklyn Park | $1,744 |
| 9 | Richfield | $1,742 |
| 10 | Bloomington | $1,739 |
| 11 | Eagan | $1,729 |
| 12 | Burnsville | $1,726 |
| 13 | Lakeville | $1,717 |
| 14 | Plymouth | $1,714 |
| 15 | Edina | $1,707 |
| 16 | Saint Cloud | $1,702 |
| 17 | Saint Louis Park | $1,702 |
| 18 | Maple Grove | $1,690 |
| 19 | Apple Valley | $1,680 |
| 20 | Eden Prairie | $1,672 |
| 21 | Minnetonka | $1,655 |
| 22 | Shakopee | $1,642 |
| 23 | Rochester | $1,591 |
| 24 | Moorhead | $1,566 |
| 25 | Mankato | $1,474 |
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Information shown are approximated as the vehicle garaging location can affect rates greatly.
Types of discounts on Minneapolis insurance rates
Insurance companies that offer cheap quotes for handicapped drivers may also give you rate discounts that can lower rates by 25% or more if you meet specific eligibility requirements. Large car insurance companies and some of the discounts are outlined below.
- Farm Bureau has savings for driver training, 55 and retired, good student, youthful driver, safe driver, multi-vehicle, and renewal discount.
- Liberty Mutual offers premium reductions for multi-car, preferred payment discount, hybrid vehicle, newly retired, exclusive group savings, multi-policy, and newly married.
- State Farm may have discounts that include student away at school, good student, good driver, driver’s education, Drive Safe & Save, safe vehicle, and Steer Clear safe driver discount.
- Auto-Owners Insurance may offer discounts for student away at school, anti-lock brakes, group or association, multiple vehicles, multi-policy, paid in full, and mature driver.
- GEICO offers discounts including military active duty, seat belt use, federal employee, air bags, five-year accident-free, anti-theft, and anti-lock brakes.
- SAFECO discounts include drive less, anti-theft, teen safe driver, homeowner, teen safety rewards, and bundle discounts.
The illustration below illustrates the comparison of yearly insurance costs with and without discounts being applied to the rates. The prices are based on a female driver, no claims or violations, Minnesota state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with multiple vehicle, anti-theft, accident-free, claim-free, safe-driver, and defensive driving course discounts applied. When discounts are applied, the average savings per year on car insurance for handicapped drivers is 28% or $437.
Buying coverage from a good quality insurer can be difficult considering how many companies are available to choose from in Minnesota. The information listed below may help you decide which insurers you want to consider to insure your vehicles.
These ratings are for companies that insure vehicles across America, so companies with more of a regional focus will not be included in the list. To get rate quotes from these and other top-rated companies, follow this link.
Top 10 Major Auto Insurance Providers in Minneapolis Ranked by Customer Satisfaction
- USAA – 92%
- American Family – 88%
- State Farm – 88%
- Nationwide – 88%
- 21st Century – 88%
- The Hartford – 87%
- Progressive – 87%
- AAA Insurance – 87%
- Farmers Insurance – 87%
- Liberty Mutual – 87%
Why you should be shopping around
Minneapolis car insurance rates are impacted by many factors that control the policy price. Simply improving your credit, buying a home instead of renting, or having an at-fault accident can trigger price changes that may make certain companies more affordable than others. Also, auto insurance companies amend pricing without warning as an adjustment for underwriting gains or losses. An extended period of higher than normal claims may cause additional price hikes, while lower claim expenses may produce cheaper Minneapolis car insurance rates.
To illustrate this example, the chart below shows the companies that have the cheapest car insurance in Minneapolis, MN for a 30-year-old male driver with a clear driving record, no claims, and good financial standing. Based on his current rating profile, Travelers might offer the most affordable car insurance rates in Minneapolis at $868 each year. This is $553 less than the average rate paid by Minnesota drivers of $1,421. Farm Bureau Mutual, USAA, The Hartford, and Western National are the remaining top five cheapest Minneapolis, MN auto insurance companies.
The next chart shows rates after we give the driver in the first chart a couple of claims, less-than-perfect credit, and a few blemishes on his driving record. Because each insurer uses their own calculation for setting prices, comparing prices may now result in a significantly different list of affordable companies as shown below.
Allied now has the best price in Minneapolis, MN with Farm Bureau Mutual, USAA, Travelers, and California Casualty now rounding out the top five. This example demonstrates why Minnesota drivers need to compare rates to find the lowest auto insurance quotes for handicapped drivers. Car insurance prices consist of many factors and can decrease or increase without notice, so the best option the last time you shopped your coverage around may now be one of the more expensive options.