You have surely seen all the captivating ads from insurers like Allstate, Progressive, and Nationwide that say if you switch you’ll get big savings. So drivers should just pick the one with the best commercial, right?
Unfortunately, it’s not that simple as there are a lot of unknown aspects such as whether you just want liability only, if you are a good driver, and if you have a spouse, that all factor into the price you pay. In this article, we will teach you about the types of situations that result in high rates and hopefully give you enough understanding to have a good beginning to your quest for cheaper car insurance.
Figuring out which company offers the cheapest auto insurance rates for handicapped drivers may require a bit more effort than just comparing rates from one or two companies. Every auto insurer uses their own method for determining prices, so we’ll go over the overall cheapest auto insurance companies in California.
It’s important to understand that Sacramento, CA auto insurance rates are impacted by many things that will increase or decrease the price you pay for coverage. Simply improving your credit, filing a claim, or getting a few speeding tickets can trigger rate changes that can make some companies more affordable than others.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Wawanesa | $1,181 |
| 3 | Century National | $1,190 |
| 4 | Nationwide | $1,213 |
| 5 | CSAA | $1,222 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,447 |
| 8 | Mercury | $1,488 |
| 9 | Progressive | $1,512 |
| 10 | GEICO | $1,529 |
| 11 | Allied | $1,556 |
| 12 | Allstate | $1,559 |
| 13 | The Hartford | $1,639 |
| 14 | MetLife | $1,654 |
| 15 | Unitrin | $1,682 |
| 16 | Esurance | $1,739 |
| 17 | State Farm | $1,750 |
| 18 | Bristol West | $1,795 |
| 19 | Travelers | $1,806 |
| 20 | Farmers | $2,006 |
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USAA normally has some of the cheapest car insurance rates in Sacramento at around $1,109 per year. Wawanesa, Century National, Nationwide, and CSAA also make the cut as some of the best Sacramento, CA insurance companies.
In the rate table above, if you are currently insured with Wawanesa and switched to USAA, you could earn an annual premium reduction of approximately $72. Policyholders with Century National might save as much as $81 a year, and Nationwide customers might cut rates by $104 a year.
Remember that these estimates are averages for all insureds and vehicles and do not take into consideration an exact vehicle garaging location for handicapped drivers. So the auto insurance company that can offer you the best rate may not even be in the list above. That helps illustrate why you need to quote rates from as many companies as possible using your own personal information and vehicle type.
The vehicle you are buying coverage for is a large factor that determines if you can find the best cheap coverage for handicapped drivers. Vehicles with lower performance, advanced safety features, or a track record of few liability claims will cost much less to insure than adrenaline junky models.
The table below illustrates car insurance premiums for the most economical vehicles to insure.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $1,221 |
| Honda Accord EX 4-Dr Sedan | $1,338 |
| Toyota Prius | $1,355 |
| Chevrolet Impala LS | $1,417 |
| Jeep Grand Cherokee Laredo 4WD | $1,445 |
| Nissan Altima 2.5 4-Dr Sedan | $1,452 |
| Ford Escape Limited 4WD | $1,455 |
| Ford Explorer XLT 4WD | $1,495 |
| Toyota Camry XLE | $1,522 |
| Chevrolet Equinox LTZ 2WD | $1,549 |
| Ford Fusion SEL 4-Dr Sedan | $1,556 |
| Chevrolet Silverado LS Extended Cab 2WD | $1,552 |
| Toyota RAV4 Limited 2WD | $1,582 |
| Toyota Tacoma 2WD | $1,594 |
| Honda Odyssey EX W/Rear Entertainment | $1,599 |
| Chevrolet Silverado 3500HD LTZ Crew Cab 2WD | $1,604 |
| Ford F-150 XLT Crew Cab 4WD | $1,614 |
| Dodge Grand Caravan Crew | $1,620 |
| Nissan Rogue SL AWD | $1,629 |
| Chevrolet Silverado 2500HD LTZ Crew Cab Diesel 4WD | $1,654 |
| Hyundai Elantra Blue 4-Dr Sedan | $1,671 |
| Chevrolet Malibu LTZ | $1,701 |
| Toyota Corolla XLE | $1,706 |
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Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Estimates do not factor in specific location which can lower or raise rates significantly.
Looking at the rates, you can expect vehicles like the Honda CR-V, Honda Accord, Toyota Prius, Chevrolet Impala, and Jeep Grand Cherokee will be the most economical vehicles to insure for drivers with handicaps.
For drivers with handicaps, one of the more important criteria that help determine insurance cost is your zip code in Sacramento. Areas with increased crime or more people will most likely have higher rates, whereas more rural areas receive better rates.
The following table sorts the most expensive areas in California for handicapped drivers in which to purchase auto insurance. Sacramento is ranked #5 having an annual price of $1,669 for the average policy, which is around $139 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Los Angeles | $2,146 |
| 2 | Glendale | $2,079 |
| 3 | Oakland | $1,755 |
| 4 | San Francisco | $1,693 |
| 5 | Sacramento | $1,669 |
| 6 | San Bernardino | $1,628 |
| 7 | Long Beach | $1,626 |
| 8 | Fontana | $1,581 |
| 9 | Stockton | $1,556 |
| 10 | Garden Grove | $1,554 |
| 11 | Modesto | $1,547 |
| 12 | Santa Clarita | $1,533 |
| 13 | Fresno | $1,517 |
| 14 | Moreno Valley | $1,506 |
| 15 | Santa Ana | $1,497 |
| 16 | Riverside | $1,482 |
| 17 | Anaheim | $1,444 |
| 18 | Huntington Beach | $1,402 |
| 19 | Irvine | $1,384 |
| 20 | Bakersfield | $1,381 |
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Information shown are estimated as the specific garaging location can affect premiums substantially.
Safe drivers pay cheaper rates
In a perfect world, the best way to enjoy cheap auto insurance rates in Sacramento for drivers with handicaps is to drive safe and avoid accidents and keep your driving record clean. The example below highlights how traffic violations and fender-benders can influence car insurance costs for different age groups. The premiums assume a single male driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.
The chart shows that the average cost of a car insurance policy in California per year with no violations or accidents is $3,385. Factor in two speeding tickets and the average cost rises to $4,499, an increase of $1,114 each year. Now get two accidents along with the two speeding tickets and the annual cost of auto insurance for handicapped drivers increases to an average of $8,487. That’s an increase of $5,103, or $425 per month, just for not paying attention while driving!
Choosing the highest-rated insurer can be challenging considering how many companies are available to choose from in California. The company rank data listed below could help you decide which coverage providers to look at purchasing coverage from. The rankings below only include insurance companies that insure vehicles in the majority of U.S. states, so companies with more of a regional focus are not included in these rankings.
Top 10 Large Auto Insurers in Sacramento Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Large Auto Insurers in Sacramento Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
Why it’s important to shop around
California auto insurance rates are impacted by many factors that will increase or decrease your annual premium. Simply having another birthday, buying another vehicle, or getting a ticket for careless driving may cause policy rate changes resulting in some rates now being much cheaper than others.
And not only may your rating factors change, but car insurance companies file new rates as needed in order to remain profitable. Unexpectedly high claims may cause additional premium costs, while a profitable period may cause lower-priced Sacramento car insurance rates.
To illustrate this example, the graph below demonstrates which company has the cheapest car insurance in Sacramento, CA for a 30-year-old female driver with a good driving record, no prior claims, and a decent credit rating. Based on her current rating profile, USAA might offer the most affordable car insurance rates in Sacramento at $1,438 a year. This is $213 less than the average price paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide are the rest of the cheapest Sacramento, CA auto insurance companies.
In this next rate comparison, we will give the driver in the first chart a chargeable claim, less-than-perfect credit, and a traffic ticket or two. Due to the fact that each insurance company has a unique approach to set their prices, analyzing rates may now result in a significantly different list of the cheapest Sacramento car insurance companies as shown below.
Grange now has the cheapest insurance rate in Sacramento with Progressive, Allstate, Mercury, and GEICO now being in the top five. This example proves why it is so important to take the time to shop around to find the most economical auto insurance rates for handicapped drivers. Insurance prices are impacted by many risk factors and can change substantially, so the most economical option three years ago may now be priced much higher than other options.
How to find more affordable car insurance for handicapped drivers
Here are a few penny-pinching solutions that can help Sacramento drivers locate low-cost coverage.
- Buying your home and auto policies from the same company can earn a discount
- Get cheaper liability coverage by choosing a safer vehicle
- Assess whether full coverage is needed
- At-fault accidents will increase rates
- Good credit can save money
- Keep rates low by comparing prices once a year
The last item on the list is very critical, as was noted in this write-up. Car insurance rates in Sacramento fluctuate considerably, so don’t be afraid to buy a policy from a new company if a better deal can be had. We understand brand loyalty, but it’s not a good idea if that loyalty ends up costing thousands of dollars over several years. If you have a few minutes, now is a great time to shop around to find cheaper car insurance for handicapped drivers.
If you wish to have a little guidance when trying to find the best insurance rates for drivers with handicaps, the agents shown below are willing to answer your questions and help you decide which coverages and limits you need. To locate a Sacramento auto insurance agent using an interactive map, click the button after the list.
- Nationwide Insurance: Wellco Insurance Agency Inc
6905 Stockton Blvd Ste 230 – Sacramento, CA 95823 – (916) 399-8113 - Greg Lauck – State Farm Insurance Agent
950 Fulton Ave #175 – Sacramento, CA 95825 – (916) 978-9110 - Indus Insurance Agency Incorporated
6968 65th St – Sacramento, CA 95823 – (916) 391-3000 - Nationwide Insurance: Ham Insurance Agency Inc
2210 Del Paso Rd e – Sacramento, CA 95834 – (916) 419-8228