You’ve seen the commercials from insurers like Progressive, Nationwide, and The General that promise enormous savings, so drivers just need to choose one randomly, right?
It’s just not that simple, as there are a lot of unknown aspects such as if you want the added protection of full coverage, if you are a homeowner or renter, and your credit rating. The information below covers these things and will hopefully give you a solid foundation to find cheaper car insurance in Indiana.
For drivers with handicaps, one of the more important components that help determine insurance cost is where you live. Areas with high crime rates or more dense population tend to have higher auto insurance costs, whereas less populated areas tend to receive slightly lower rates.
The table below sorts the most expensive cities in Indiana for handicapped drivers in which to buy car insurance. Indianapolis ranks #8 with an annual rate of $1,060 for the average insurance policy, which is about $88 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Gary | $1,388 |
| 2 | Hammond | $1,314 |
| 3 | Merrillville | $1,139 |
| 4 | Portage | $1,104 |
| 5 | Jeffersonville | $1,080 |
| 6 | Terre Haute | $1,077 |
| 7 | Lawrence | $1,066 |
| 8 | Indianapolis | $1,060 |
| 9 | New Albany | $1,059 |
| 10 | Evansville | $1,055 |
| 11 | Anderson | $1,041 |
| 12 | Kokomo | $1,031 |
| 13 | Bloomington | $998 |
| 14 | Fishers | $983 |
| 15 | Columbus | $975 |
| 16 | Elkhart | $965 |
| 17 | Noblesville | $958 |
| 18 | Fort Wayne | $956 |
| 19 | South Bend | $947 |
| 20 | Mishawaka | $945 |
| 21 | Richmond | $944 |
| 22 | Greenwood | $941 |
| 23 | Muncie | $937 |
| 24 | Carmel | $929 |
| 25 | Lafayette | $926 |
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Price information shown is approximated as zip code location can influence coverage prices noticeably.
Deciphering which company offers the lowest-priced auto insurance rates for handicapped drivers will involve a tad more effort in order to find the most economical policy. Each company uses their own method for determining rates in each state, so we need to take a look at the auto insurance companies with the most affordable rates in Indianapolis.
Keep in mind that Indiana auto insurance rates are influenced by many factors that will increase or decrease the cost of having a policy. Simply getting older, buying a different home, or getting into an accident can trigger changes in premium that may make certain companies much cheaper than others.
Lowest Insurance Price Quotes in Indiana
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $602 |
| 2 | Cincinnati Insurance | $658 |
| 3 | USAA | $687 |
| 4 | Erie | $712 |
| 5 | Indiana Farmers Mutual | $849 |
| 6 | Western Reserve | $864 |
| 7 | The Hartford | $881 |
| 8 | Auto-Owners | $888 |
| 9 | Nationwide | $940 |
| 10 | Motorists Mutual | $956 |
| 11 | Utica National | $995 |
| 12 | State Farm | $997 |
| 13 | Hastings Mutual | $1,013 |
| 14 | Safeco | $1,013 |
| 15 | Wolverine Mutual | $1,061 |
| 16 | Farmers | $1,064 |
| 17 | Westfield | $1,094 |
| 18 | GEICO | $1,122 |
| 19 | State Auto | $1,131 |
| 20 | Progressive | $1,139 |
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Travelers may have some of the lowest car insurance rates in Indianapolis at around $602 a year. Cincinnati Insurance, USAA, Erie, and Indiana Farmers Mutual also make the cut as some of the cheapest Indianapolis, IN auto insurance companies.
As depicted above, if you currently buy coverage from Cincinnati Insurance and switched to Travelers, you could earn an annual premium reduction of about $56. Drivers with USAA could save as much as $85 a year, and Erie customers might lower prices by up to $110 a year.
It’s important to note that these policy prices are averages for all insureds and vehicles and are not factoring in an exact zip code location for handicapped drivers. So the insurer that can offer you the lowest price may not even be in the list above. That’s why you need to quote rates from many companies using your own individual information.
The type of vehicle needing coverage is a significant factor when consumers are trying to find the lowest-priced coverage for handicapped drivers. Vehicles with lower performance, good safety features, or a positive history of liability claims will cost much less to insure than fast, unsafe models.
The data below features insurance rates for some of the cheaper automobiles to buy insurance for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $1,147 |
| Volkswagen Jetta S 2.5 Station Wagon | $1,241 |
| Ford F-150 XLT Crew Cab 2WD | $1,285 |
| Ford Focus SE 4-Dr Sedan | $1,331 |
| Toyota RAV4 Limited 2WD | $1,356 |
| Dodge Grand Caravan Hero | $1,363 |
| Chevrolet Silverado LS Regular Cab 2WD | $1,358 |
| Honda Civic EX 4-Dr Sedan | $1,402 |
| Ford Escape Limited 2WD | $1,441 |
| Toyota Prius | $1,450 |
| Jeep Grand Cherokee Limited 2WD | $1,453 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $1,472 |
| Chevrolet Impala LS | $1,526 |
| Ford Edge SE 2WD | $1,540 |
| Chevrolet Silverado 2500HD LT Crew Cab Diesel 4WD | $1,550 |
| Compare Cheap Rates Go | |
Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Rate information does not factor in the specific area where the vehicle is garaged which can alter prices noticeably.
Looking at the data, you can conclude that cars like the Honda CR-V, Volkswagen Jetta, Ford F-150, Ford Focus, and Toyota RAV4 are most likely going to be a few of the most budget-friendly vehicles to insure for drivers with handicaps.
Selecting the best auto insurance company can be difficult considering how many companies sell coverage in Indiana. The ranking data shown below could help you decide which providers you want to consider shopping prices with.
These rankings are only made up of companies that insure vehicles nationwide, so companies with more of a regional focus are not factored into this list. To check rates and find cheaper insurance for handicapped drivers, click here.
Top 10 Major Auto Insurers Overall in Indianapolis
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family
Top 10 Major Auto Insurers in Indianapolis Ranked by Customer Satisfaction
- USAA – 92%
- Erie Insurance – 88%
- American Family – 88%
- State Farm – 88%
- Nationwide – 88%
- 21st Century – 88%
- AAA Insurance – 87%
- Liberty Mutual – 87%
- Farmers Insurance – 87%
- The Hartford – 87%
Auto insurance rates are higher with tickets and accidents
The best way to maintain the best auto insurance premiums in Indianapolis for drivers with handicaps is to drive attentively and avoid accidents and traffic violations. The diagram below illustrates how traffic citations and at-fault collisions can increase yearly insurance costs for each different age group. The costs are based on a single female driver, full coverage, $500 deductibles, and no additional discounts are factored in.
In the previous example, the average cost of a car insurance policy in Indiana per year with a clean driving record and no accidents is $1,686. Factor in one speeding ticket and the average cost surges to $1,910, an increase of $225 each year. Then add two accidents along with the one speeding ticket and the yearly cost of auto insurance for handicapped drivers increases to an average of $3,953. That’s an increase of $2,268, or $189 per month, just for being a less-than-perfect driver!
Get discount Indianapolis auto insurance rates
Insurance companies that offer quotes for handicapped drivers could also offer discounts that can lower rates by as much as 25% or more if you meet certain criteria. Larger auto insurance companies and a selection of discounts can be read below.
- Farmers Insurance has savings for alternative fuel, multi-car, good student, mature driver, and bundle discounts.
- State Farm may offer discounts for good driver, passive restraint, Drive Safe & Save, student away at school, multiple policy, anti-theft, and driver’s education.
- Liberty Mutual offers discounts including hybrid vehicle, new graduate, preferred payment discount, newly married, and new move discount.
- MetLife offers discounts for accident-free, good student, claim-free, defensive driver, multi-policy, good driver
- Progressive may include discounts for online quote discount, good student, homeowner, continuous coverage, multi-vehicle, and online signing.
The example below shows the difference between insurance premiums with and without discounts applied to the policy rates. The rates are based on a male driver, no claims or driving violations, Indiana state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with passive restraint, defensive driving course, marriage, multiple vehicle, vehicle safety, and claim-free discounts applied. When these discounts are applied to the policy premium, theamount saved on auto insurance for handicapped drivers is 28% or $407.
How to find budget-friendly insurance for handicapped drivers
The list below details some of the better money-saving solutions that can help you buy more affordable car insurance.
- If possible, do not file small claims
- Prevent price hikes by avoiding at-fault accidents
- Raise comprehensive and collision coverage deductibles
- Do not pay for full coverage if not needed
- Keep your driving record clean
- Compare rates regularly and switch companies to save money
That last piece of advice is extraordinarily necessary, as was emphasized in this write-up. Rates in Indianapolis adjust frequently, so drivers shouldn’t hesitate to switch companies if you can find a cheaper rate. Having brand loyalty is commendable, but we do not recommend it if that inflexibility results in costing you lots of money. In just a couple of minutes you could compare rates and find cheaper auto insurance for handicapped drivers.
If you aren’t sure which coverage to buy and prefer to get help from a professional when comparing insurance rates for drivers with handicaps, the agencies below are a good start to help you decide which insurance coverage will be best for you. To find an Indianapolis insurance agent using an interactive map, click the button after the list or click here to compare price quotes now.
- Walker and Associates Insurance Agency
7364 E Washington St – Indianapolis, IN 46219 – (317) 353-8000 - Burns Insurance Agency – Commercial, Personal and Transportation Insurance Specialists
1433 N Meridian St – Indianapolis, IN 46202 – (317) 377-1100 - Allstate Insurance: Scott Verbarg
6120 E Thompson Rd Ste B – Indianapolis, IN 46237 – (317) 802-1550 - Keith Eberg – State Farm Insurance Agent
7550 S Meridian St d – Indianapolis, IN 46217 – (317) 887-1400 - Bill Hill – State Farm Insurance Agent
7423 E 82nd St – Indianapolis, IN 46256 – (317) 849-4119