Trying to find low-cost car insurance is not easy, and determining which companies have the best car insurance rates for handicapped drivers will take even more rate comparisons. Each auto insurance company has a proprietary formula for determining prices, so to begin we’ll rank the most competitive car insurance companies in San Antonio, TX.
It’s a good idea to be aware that San Antonio car insurance rates are influenced by many factors that control the price of your policy. Improving your financial situation, getting divorced, or getting a ticket for running a stop sign can trigger price changes that can cause some rates to be higher-priced than the competition.
Cheapest Insurance Rates in Texas
Travelers may offer some of the cheapest car insurance rates in San Antonio at around $1,010 a year. This is $894 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the cut as some of the cheapest San Antonio, TX insurance companies.
As shown in the rates above, if you are insured with Germania Mutual and switched to USAA, you may realize yearly savings of roughly $128. Texas drivers with Esurance could save as much as $237 a year, and California Casualty customers might lower prices by up to $310 a year.
These premiums are averages across all types of insureds and vehicles and and are not calculated with an exact zip code location for handicapped drivers. So the auto insurance company that can offer you the best rate may not even be in the top 23 companies shown above. That illustrates why you need to get quotes using your own personalized driver profile and vehicle information.
The type of vehicle requiring insurance is one of the largest considerations when trying to find low-cost coverage for handicapped drivers. Vehicles with high performance engines, poor passenger safety features, or a high likelihood of having liability claims will cost more to insure than safer, lower-performance models. The table below outlines insurance premiums for the most economical vehicles to insure in Texas.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Explorer XLT AWD | $1,134 |
| Honda CR-V EX-L 4WD | $1,137 |
| Honda Accord LX 4-Dr Sedan | $1,143 |
| Ford Focus S 4-Dr Sedan | $1,178 |
| Chevrolet Impala LT | $1,200 |
| Ford Escape Limited 4WD | $1,209 |
| Honda Odyssey LX | $1,216 |
| Ford F-150 FX2 2WD | $1,223 |
| Toyota Prius | $1,234 |
| Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $1,237 |
| Ford Edge Limited AWD | $1,264 |
| Nissan Rogue S AWD | $1,284 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,294 |
| GMC Sierra 2500HD SLE Crew Cab 4WD | $1,286 |
| Chevrolet Equinox LTZ AWD | $1,292 |
| Chevrolet Malibu LS | $1,316 |
| Dodge Grand Caravan Crew | $1,341 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $1,348 |
| Volkswagen Jetta LE 4-Dr Sedan | $1,350 |
| Toyota RAV4 Sport 4WD | $1,355 |
| Toyota Camry Hybrid | $1,370 |
| Kia Optima EX | $1,375 |
| Ford Fusion SEL AWD 4-Dr Sedan | $1,375 |
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Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Rates do not factor in specific zip code location which can alter premiums considerably.
Looking at the rates, you can infer that cars like the Ford Explorer, Honda CR-V, Honda Accord, and Ford Focus will be the cheapest vehicles to insure for drivers with handicaps.
The diagram below demonstrates how deductibles can increase or decrease insurance costs when quoting cheap insurance for handicapped drivers. The information is based on a single male driver, comprehensive and collision coverage, and no discounts are factored in.
A 30-year-old driver could pocket $490 a year by changing from a $100 deductible up to a $500 deductible, or save $740 by selecting a $1,000 deductible. Even younger drivers, such as the Age 20 example, could roll back prices $1,446 annually by choosing larger deductibles on their policy.
When insureds make the decision to increase the deductibles on their policy, it is important to have emergency funds available to allow you to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
Cost difference between full coverage and liability
Reducing premiums for car insurance is probably important to the majority of people, and one of the easiest ways to buy cheaper insurance for handicapped drivers is to only pay for liability coverage. The example below shows the comparison of insurance rates with and without full coverage. The premiums assume no claims, a clean driving record, $250 deductibles, single marital status, and no discounts are factored in.
If averaged out across all ages, physical damage coverage on your policy costs $2,000 per year more than buying just liability insurance. A very common question is if buying full coverage is a waste of money. There is no written rule to eliminate comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of your full coverage insurance is about 10% or more of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.
There are a few situations where buying only liability insurance is not recommended. If you still owe a portion of the original loan, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should keep full coverage.
Drive responsibly or pay higher rates
The easiest method to receive the best car insurance premiums in Texas for drivers with handicaps is to be a safe driver and avoid at-fault accidents and violations. The diagram below illustrates how traffic citations and at-fault collisions can drive up car insurance rates for each different age group. The rates are based on a single male driver, full physical damage coverage, $500 deductibles, and no discounts are taken into consideration.
The data above shows the average cost of an auto insurance policy per year with no accidents or violations is $2,393. Add in one speeding ticket and the average cost swells to $2,701, an increase of $308 each year. Now include two accidents along with the one speeding ticket and the annual cost of car insurance for handicapped drivers increases to an average of $5,471. That’s an increase of $3,078, or $256 per month, just for not being attentive to the road!
What aren’t you shopping around?
Texas car insurance rates are impacted by many things that control the price you have to pay for coverage. Simply having a birthday, marrying your spouse, or getting a DUI can produce rate changes resulting in some rates now being more affordable than before. Not only that, but auto insurance companies amend pricing every year in order to offset underwriting gains or losses. An extended period of higher than normal claims can cause rate hikes, while lower claims may produce cheaper San Antonio car insurance rates.
The chart below shows a variety of companies that have the cheapest car insurance in San Antonio, TX for a 30-year-old female driver with no accidents or violations, and a good credit rating. If we compare prices based on her current risk profile, Travelers might quote the lowest car insurance rates in San Antonio at $1,158 a year. This is $746 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty round out the rest of the best San Antonio, TX auto insurance companies.
Now we will give the driver in the first chart a couple of claims, slightly worse credit, and a stop sign violation. Because each company has a proprietary formula for filing rates in each state, getting updated rate quotes may now show a slightly different list of affordable companies as shown below.
State Farm now has the cheapest insurance rate in San Antonio, TX with Mercury, Safe Auto, Nationwide, and USAA now rounding out the top five. This illustrates why San Antonio drivers need to compare many different companies to get the most budget-friendly insurance quotes for handicapped drivers. Prices are calculated by many risk factors and can change substantially, so the best price three years ago may now cost much more than other companies.