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.

Cheapest Vehicles to Insure for Handicapped Drivers in South Carolina
Vehicle Insured Estimated Cost for Full Coverage
Honda CR-V EX 4WD $829
Ford Escape Limited 4WD $878
Toyota Prius $896
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.

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South Carolina auto insurance company rankings
Rank Company Cost Per Year
1 The Hartford $775
2 USAA $985
3 State Auto $1,094
4 Auto-Owners $1,107
5 Southern Farm Bureau $1,260
6 SC Farm Bureau Mutual $1,298
7 Travelers $1,343
8 National Grange Mutual $1,375
9 State Farm $1,422
10 Allstate $1,637
11 Encompass $1,641
12 Progressive $1,660
13 Nationwide $1,814
14 Safe Auto $1,927
15 GEICO $2,041
16 Bristol West $2,420
17 Liberty Mutual $2,439
18 Safeco $2,663
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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.

How much does car insurance cost in South Carolina?
Rank City Premium Per Year
1 Florence $1,311
2 North Charleston $1,288
3 Goose Creek $1,246
4 Summerville $1,240
5 Charleston $1,235
6 Socastee $1,223
7 Sumter $1,215
8 Saint Andrews $1,195
9 Columbia $1,189
10 Mount Pleasant $1,189
11 Myrtle Beach $1,186
12 Hilton Head Island $1,139
13 Aiken $1,130
14 North Augusta $1,128
15 Rock Hill $1,102
16 Greenville $1,100
17 Greenwood $1,099
18 Anderson $1,094
19 Wade Hampton $1,090
20 Greer $1,087
21 Spartanburg $1,083
22 Mauldin $1,071
23 Easley $1,066
24 Taylors $1,063
25 Simpsonville $1,039
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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.

Top Car Insurance Companies for Handicapped Drivers in South Carolina
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
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
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Data Source: Best Car Insurance Companies