The type of vehicle requiring coverage is probably the most important factor when looking for the best car insurance for handicapped drivers. Vehicles with economical engines, good safety features, or a track record of few liability claims will cost less to insure than fast, unsafe models. The data below showcases auto insurance premiums for a number of the most cost-effective vehicles to insure in Missouri.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Jeep Wrangler Rubicon 4WD 2-Dr | $1,360 |
| Ford Edge SEL 2WD | $1,405 |
| Honda CR-V EX-L 4WD | $1,417 |
| Ford Escape Limited 2WD | $1,425 |
| Toyota Camry LE | $1,432 |
| Ford F-150 Lariat Crew Cab 4WD | $1,460 |
| Honda Accord EX-L 4-Dr Sedan | $1,502 |
| Hyundai Elantra SE 4-Dr Sedan | $1,507 |
| Toyota Prius | $1,532 |
| Chevrolet Equinox LTZ AWD | $1,535 |
| Toyota RAV4 Limited 4WD | $1,639 |
| Jeep Grand Cherokee Laredo 4WD | $1,648 |
| Dodge Ram Quad Cab TRX4 Off Road 4WD | $1,664 |
| Ford Explorer Limited 4WD | $1,669 |
| Dodge Grand Caravan SXT | $1,676 |
| Honda Odyssey EX-L | $1,724 |
| Toyota Tacoma X-Runner 2WD | $1,734 |
| Toyota Corolla S | $1,724 |
| Volkswagen Jetta 2.0T Station Wagon | $1,739 |
| Chevrolet Malibu Hybrid | $1,752 |
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Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Price estimates do not factor in your specific Kansas City, MO location which can affect premium rates significantly.
Looking at the numbers, you can expect cars like the Jeep Wrangler, Ford Edge, and Honda CR-V are most likely to be some of the most budget-friendly vehicles to insure for drivers with handicaps.
For drivers with handicaps, one of the more important things that are used to help calculate car insurance rates is where you keep your car in Kansas City. Areas with more people or even just a higher incidence of claims will most likely have higher rates, whereas areas with less congestion have the benefit of cheaper auto insurance prices.
The table below sorts the highest-priced areas in Missouri for handicapped drivers in which to purchase auto insurance. Kansas City makes the list at #7 with an annual premium of $1,257 for the average policy, which is approximately $105 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Saint Louis | $1,488 |
| 2 | Florissant | $1,459 |
| 3 | University City | $1,408 |
| 4 | Raytown | $1,303 |
| 5 | Independence | $1,264 |
| 6 | Mehlville | $1,259 |
| 7 | Kansas City | $1,257 |
| 8 | Wildwood | $1,251 |
| 9 | Ballwin | $1,232 |
| 10 | Kirkwood | $1,223 |
| 11 | Chesterfield | $1,207 |
| 12 | Blue Springs | $1,172 |
| 13 | Liberty | $1,153 |
| 14 | Lee’s Summit | $1,146 |
| 15 | Joplin | $1,138 |
| 16 | O’Fallon | $1,134 |
| 17 | Saint Joseph | $1,122 |
| 18 | Springfield | $1,108 |
| 19 | Saint Charles | $1,107 |
| 20 | Cape Girardeau | $1,105 |
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Rate quotes are approximated as specific Kansas City zip code can affect coverage prices noticeably.
Rate comparison of full coverage and liability-only
Saving money when shopping for insurance is probably important to most drivers, and one common way to pay less for insurance for handicapped drivers is to buy only liability coverage. The diagram below illustrates the comparison of auto insurance costs with liability coverage only compared to full coverage. The rates are based on no accidents or driving violations, $100 deductibles, single status, and no discounts are taken into consideration.
If we average all the age groups together, physical damage insurance costs $1,532 per year over and above liability coverage. Many drivers will wonder if full coverage is worth the money. There is no exact formula of when to phase out physical damage coverage on your policy, but there is a general convention. If the annual cost of your full coverage insurance is more than about 10% of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.
Get discount Kansas City car insurance
Insurers that sell policies for handicapped drivers may also give you rate discounts that could potentially reduce rates by as much as 30% if you qualify for them. The best insurance companies and a partial list of their discounts include:
- American Family may include discounts for TimeAway discount, defensive driver, accident-free, mySafetyValet, multi-vehicle, bundled insurance, and air bags.
- Farm Bureau may offer discounts for 55 and retired, youthful driver, multi-vehicle, good student, and driver training.
- State Farm offers discounts including defensive driving training, multiple policy, multiple autos, Steer Clear safe driver discount, Drive Safe & Save, and anti-theft.
- Travelers has discounts for save driver, good student, IntelliDrive, student away at school, driver training, home ownership, and payment discounts.
- The Hartford discounts include driver training, defensive driver, air bag, anti-theft, and vehicle fuel type.
- GEICO may have discounts that include multi-vehicle, anti-lock brakes, defensive driver, membership and employees, and military active duty.
- Progressive offers premium reductions for online quote discount, homeowner, good student, continuous coverage, multi-policy, and online signing.
The example below shows the comparison of auto insurance costs with and without discounts applied. The rate quotes are based on a female driver, no accidents or driving violations, Missouri state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with anti-theft, homeowner, multiple vehicle, passive restraint, vehicle safety, and defensive driving course discounts applied. When these discounts are applied, the average savings per year on insurance for handicapped drivers is 28% or $538.
The illustration below demonstrates how choosing different deductibles can increase or decrease insurance premiums when searching for cheap insurance for handicapped drivers. The premium estimates are based on a married female driver, comp and collision included, and no other discounts are factored in.
The chart above illustrates that a 50-year-old driver could lower rates by $182 a year by increasing from a $100 deductible to a $500 deductible, or save $276 by using a $1,000 deductible. Youthful drivers, such as the 20-year-old example, could reduce their rates $454 or more by choosing a higher deductible.
When insureds make the decision to increase the deductibles on their policy, it is a good idea to have enough spare savings to enable you to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
How to find budget-friendly car insurance for handicapped drivers
Below you’ll find a few money-saving solutions that can help you find cheap coverage.
- Buy your homeowners policy from the same company as your auto insurance
- Buy vehicles with five-star safety ratings
- Frequent claims may make car insurance unaffordable
- At-fault accidents will increase rates
- Be a cautious driver
- Compare prices frequently to find the best deal
The last item on the list is incredibly valuable, as was affirmed in this piece. Insurance prices in Kansas City vary considerably, so drivers shouldn’t be reluctant to change insurance companies if a more affordable price is available. Many drivers prefer to stick with one company, but is isn’t recommended if your bullheadedness ends up costing you a considerable chunk of change every month. It only take a few minutes to compare prices and find cheaper auto insurance for handicapped drivers.