The vehicle that needs insurance is a large consideration when shopping around for the most affordable auto insurance for handicapped drivers. Vehicles with higher performance characteristics, poor passenger safety features, or an increased likelihood of liability claims will cost significantly more to insure than safer models. The table below illustrates insurance rates for a selection of the most cost-effective automobiles to buy insurance for.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Honda CR-V EX 4WD||$829|
|Ford Escape Limited 4WD||$878|
|Toyota RAV4 Limited 4WD||$958|
|Ford Fusion S 4-Dr Sedan||$968|
|Chevrolet Malibu Hybrid||$958|
|Jeep Grand Cherokee Laredo 2WD||$965|
|Jeep Wrangler Unlimited Sport 2WD 4-Dr||$972|
|Ford Explorer Limited 4WD||$976|
|Honda Civic EX 4-Dr Sedan||$988|
|Honda Accord EX-L 4-Dr Sedan||$1,005|
|Toyota Camry SE||$1,007|
|Toyota Corolla XLE||$1,012|
|Honda Odyssey LX||$1,019|
|Chevrolet Equinox LTZ AWD||$1,025|
|Hyundai Sonata GLS 4-Dr Sedan||$1,027|
|Dodge Grand Caravan CV||$1,039|
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Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Estimates do not factor in specific location which can lower or raise rates greatly.
Based upon these rates, models like the Honda CR-V, Ford Escape, Toyota Prius, Toyota RAV4, and Ford Fusion should be a few of the most affordable vehicles to insure for drivers with handicaps.
Determining which insurers offer the most affordable car insurance rates for handicapped drivers in South Carolina will involve a tad more effort in order to find coverage that fits your budget.
Every auto insurer has their own unique process for determining rates in each state, so let's look at the rankings for the car insurance companies that tend to be cheaper in South Carolina.
Find the Cheapest Car Insurance in South Carolina
|Rank||Company||Cost Per Year|
|5||Southern Farm Bureau||$1,260|
|6||SC Farm Bureau Mutual||$1,298|
|8||National Grange Mutual||$1,375|
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The Hartford generally has some of the most affordable car insurance rates in South Carolina at around $775 per year. USAA, State Auto, Auto-Owners, and Southern Farm Bureau also rank well as some of the cheaper South Carolina auto insurance companies.
As the rates illustrate above, if you buy coverage from State Auto and switched to The Hartford, you could realize savings of in the vicinity of $319. Customers with Auto-Owners might save as much as $332 a year, and Southern Farm Bureau customers might realize rate reductions of up to $485 a year.
To get a fast rate comparison, click here to begin a quote or visit any of the low-priced companies below.
Be aware that those policy prices are averages across all insureds and vehicles and are not factoring in a price discount for handicapped drivers. So the insurer that is most affordable for your situation may not even be in the top 18 companies in the list above. That illustrates why you need to get rate quotes from many companies using your own personal information and vehicle type.
One of the many criteria that are used to help calculate insurance cost is your zip code in South Carolina. Regions with larger populations or more claims like Florence, Goose Creek, and Charleston tend to have more expensive car insurance rates, whereas areas that tend to be more rural benefit from lower rates.
The information below sorts the highest-priced areas in South Carolina for handicapped drivers to buy an auto insurance policy in.
|Rank||City||Premium Per Year|
|12||Hilton Head Island||$1,139|
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Table data uses comparative as specific location information can decrease or increase prices considerably.
Tickets and at-fault accidents raise rates
The best way to find good car insurance rates for drivers with handicaps is to drive cautiously and avoid tickets and accidents. The chart below shows how speeding tickets and at-fault accidents can increase insurance costs for different ages of insureds. The data assumes a single male driver, comp and collision included, $100 deductibles, and no discounts are applied.
In the example above, the average cost of an auto insurance policy in South Carolina per year with a clean driving record and no accidents is $2,179. Get written up for one speeding ticket and the average cost swells to $2,450, an increase of $271 each year. Now throw in one accident along with the one speeding ticket and the annual cost of car insurance for handicapped drivers in South Carolina jumps again to an average of $3,228. That's an increase of $1,049, or $87 per month, just for not paying attention while driving!
The example below shows how choosing a deductible can impact insurance costs when trying to find cheap insurance for handicapped drivers in South Carolina. The data is based on a married female driver, full coverage, and no discounts are applied.
In the chart above, a 50-year-old driver could lower rates by $236 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $354 by using a $1,000 deductible. Even younger drivers, like the 20-year-old example, could roll back prices up to $580 or more by selecting a higher deductible.
When increasing deductibles, it is necessary to have enough savings to satisfy the extra out-of-pocket expense, which deters some people from using high deductibles.
Buying coverage from the highest-rated auto insurance provider can be difficult considering how many companies are available to choose from in South Carolina. The ranking information shown below can help you select which car insurance companies to look at when comparing auto insurance rates for handicapped drivers. These rankings are only comprised of large nationwide companies, so smaller companies that only insure vehicles in South Carolina are not taken into consideration for these rankings.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies