Who Has Affordable Auto Insurance for Handicapped Drivers in Orlando?

The make and model of vehicle needing coverage is probably the biggest factor when quoting the lowest-priced auto insurance for handicapped drivers. Vehicles with limited top-end speed, a plethora of safety features, or a track record of few liability claims will cost quite a bit less to insure than high performance models. The data below features auto insurance premiums for a number of the most affordable automobiles to insure.

Cheapest Vehicles to Insure in Orlando, FL
Make and Model Estimated Cost for Full Coverage
Honda CR-V EX 2WD $1,308
Honda Accord LX 4-Dr Sedan $1,313
Ford Escape XLS 4WD $1,352
Volkswagen Jetta LE 4-Dr Sedan $1,416
Hyundai Elantra SE Touring Station Wagon $1,424
Ford F-150 XLT Crew Cab 4WD $1,443
Ford Explorer Eddie Bauer 4WD $1,448
Toyota Corolla LE $1,493
Toyota Prius $1,495
Ford Edge SEL AWD $1,520
GMC Sierra SLE Crew Cab 4WD $1,526
Chevrolet Malibu LTZ $1,520
Dodge Grand Caravan CV $1,522
Compare Cheap Rates Go

Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Price information does not factor in your specific Orlando, FL location which can revise prices noticeably.

Based upon the rates shown, makes and models like the Honda CR-V, Honda Accord, Ford Escape, and Volkswagen Jetta will be some of the most economical vehicles to insure for drivers with handicaps.

For drivers with handicaps, one of the big considerations that are used to help calculate the amount you pay for auto insurance is where your residence is in Orlando. Areas with more people or higher crime rates will most likely pay more, whereas areas with lower crime rates and fewer weather claims have the benefit of cheaper car insurance.

The following table rates the priciest cities in Florida for handicapped drivers to purchase auto insurance in. Orlando is ranked at #18 with an annual cost of $2,029 for coverage, which is approximately $169 monthly.

How much is car insurance in Orlando?
Rank City Annual Premium
1 Hialeah $3,488
2 Miami Gardens $3,277
3 Miami $3,273
4 Miami Beach $2,923
5 Tampa $2,636
6 Hollywood $2,630
7 West Palm Beach $2,625
8 Miramar $2,603
9 Fort Lauderdale $2,576
10 Coral Springs $2,549
11 Davie $2,548
12 Pompano Beach $2,543
13 Pembroke Pines $2,481
14 Brandon $2,392
15 Clearwater $2,260
16 St. Petersburg $2,219
17 Spring Hill $2,039
18 Orlando $2,029
19 Jacksonville $1,980
20 Port St. Lucie $1,916
21 Lakeland $1,883
22 Cape Coral $1,860
23 Palm Bay $1,786
24 Tallahassee $1,784
25 Gainesville $1,646
Compare Rates Now Go

Annual rates are approximated as specific Orlando garaging address can affect auto insurance rates considerably.

Finding dependable, cost effective auto insurance is not easy, and figuring out which company quotes the cheapest car insurance rates for handicapped drivers calls for a bit more work. Each insurer uses their own calculation for establishing rates, so first we will examine the most affordable car insurance companies in Orlando, FL.

It’s a good idea to know that Orlando car insurance rates are influenced by many factors which can significantly increase or decrease the price you pay. This is why it is critical to take the time to shop around when trying to find the most economical insurance quotes for handicapped drivers. Car insurance prices can be altered by many different factors and change dramatically, so the best price three years ago may now be one of the more expensive options.

Cheapest Insurance Rates in Florida

Compare Rates and Save

Rankings for the cheapest Florida auto insurance companies
Rank Company Cost Per Year
1 USAA $986
2 Electric $1,712
3 Amica $1,712
4 Progressive $1,775
5 Allied $1,926
6 Travelers $1,926
7 Mercury $1,992
8 Esurance $2,040
9 Auto-Owners $2,085
10 GEICO $2,108
11 State Farm $2,131
12 Allstate $2,388
13 21st Century $2,469
14 Windhaven Insurance $2,653
15 Hanover $2,934
16 MetLife $2,958
17 Safeco $3,016
18 Liberty Mutual $3,039
19 United Automobile $3,562
20 Direct General $3,902
Find Cheaper Rates Go

USAA may offer some of the lowest car insurance rates in Orlando at around $986 per year. Electric, Amica, Progressive, and Allied are also some of the best Orlando, FL car insurance companies.

In the rate table above, if you currently have a policy with Amica and switched to USAA, you might see a yearly price reduction of in the vicinity of $726. Customers with Progressive could save as much as $789 a year, and Allied insureds might reduce prices by as much as $940 a year.

Be aware that those estimates are averaged across all drivers and vehicles and are not factoring in an exact zip code location for handicapped drivers. So the insurer that fits your situation best may not even be in the list above. That point stresses why you need to quote rates from many companies using your own individual information.

Difference between liability only and full coverage rates

Buying cheaper car insurance is probably important to the majority of vehicle owners, and a good way to pay lower rates for insurance for handicapped drivers is to not pay for full coverage. The illustration below illustrates the comparison of auto insurance rates with liability coverage only compared to full coverage. The information is based on no claims or violations, $100 deductibles, single marital status, and no other discounts are factored in.

On average, physical damage coverage on your policy costs $2,656 per year over having just liability coverage. That may make you wonder if buying full coverage is a good investment. There is no definitive formula to delete physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is more than around 10% of replacement cost minus your deductible, then it might be time to buy liability only.

There are some cases where eliminating full coverage is not a good idea. If you still have a loan on your vehicle, you have to keep full coverage as part of the loan requirements. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage.

The example below shows how choosing a deductible can affect insurance rates when quoting cheap insurance for handicapped drivers. The costs are based on a married female driver, full coverage, and no discounts are factored in.

As shown above, a 50-year-old driver could cut expenses by $286 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $432 by switching to a $1,000 deductible. Young drivers, such as the Age 20 example, can cut as much as $708 each year by using a higher deductible. If you do decide to increase your deductibles, it will be important to have additional funds in a savings account to be able to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

Florida car insurance company ratings

Ending up with a highly-rated insurance provider can be rather challenging considering how many companies there are in Florida. The information shown next may help you decide which car insurance companies to look at purchasing a policy from.

The ratings below are for the companies with a significant amount of written premium nationwide, so companies without a large exposure will not be included in the list. To compare prices from many more Florida auto insurance companies, simply click here.

Best Car Insurance Companies for Handicapped Drivers in Orlando
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
Compare Rates Now Go

Data Source: Insure.com Best Car Insurance Companies