Who Has Cheap Auto Insurance for Handicapped Drivers in Philadelphia?

For drivers with handicaps, one of the more important things that help determine the price you pay for insurance is where your residence is. Areas with more people or even just a higher incidence of claims are more likely to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower coverage costs.

The illustration below ranks the highest-priced areas in Pennsylvania for handicapped drivers to buy an auto insurance policy in. Philadelphia ranks #1 with the annual price of $1,997 for coverage, which is approximately $166 each month.

How much does car insurance cost in Philadelphia, PA?
Rank City Annual Premium
1 Philadelphia $1,997
2 Drexel Hill $1,489
3 Chester $1,435
4 Levittown $1,407
5 Norristown $1,307
6 Allentown $1,141
7 Municipality of Monr $1,091
8 Easton $1,091
9 Plum $1,089
10 Wilkes-Barre $1,089
11 Pittsburgh $1,085
12 Reading $1,077
13 Bethlehem $1,077
14 Scranton $1,071
15 Erie $1,071
16 New Castle $1,046
17 Hazleton $1,046
18 Altoona $1,002
19 Harrisburg $995
20 Bethel Park $979
21 Lancaster $975
22 Williamsport $956
23 Lebanon $950
24 York $926
25 State College $878
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Rate information is estimated as the specific geographic location can raise or lower auto insurance rates greatly.

Finding out which companies have the most affordable auto insurance rates for handicapped drivers will involve a bit more work in order to find the best price. Every insurance provider has a unique approach for filing rates in each state, so we’ll take a look at the auto insurance companies that tend to have lower prices in Pennsylvania.

We do need to point out that Philadelphia auto insurance rates are influenced by many factors that control the price you pay. Improving your credit score, becoming a homeowner, or getting a ticket for careless driving can trigger rate changes that can now make some companies affordable when they were higher priced.

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General Casualty may have some of the cheapest car insurance rates in Philadelphia at around $748 annually. USAA, Travelers, Erie, and Penn National also make the cut as some of the cheapest Philadelphia, PA auto insurance companies.

As shown in the table above, if you currently have coverage with Erie and switched to USAA, you might realize annual savings of in the vicinity of $15. Drivers with Penn National might save as much as $31 a year, and Amica policyholders might cut rates by $197 a year.

Be aware that those prices are averaged for all ages of drivers and types of vehicles and and are not figured with a vehicle location for handicapped drivers. So the auto insurance company that can offer you the lowest price may not even be in the top 30 companies shown above. That point stresses why you need to get car insurance quotes using your own driver and vehicle profiles.

The car, truck, or SUV you are buying coverage for is one of the largest factors that determines if you can find economical insurance for handicapped drivers. Vehicles with higher performance, poor passenger safety features, or an increased likelihood of liability claims will cost significantly more to insure than more modest models.

The information below shows insurance rates for the cheapest vehicles to buy coverage for.

Cheapest Vehicles to Insure in Philadelphia, PA
Vehicle Estimated Cost for Full Coverage
Ford Escape Limited 4WD $4,419
Honda CR-V EX 2WD $4,455
Ford F-150 XL Crew Cab 4WD $4,641
Honda Civic DX 4-Dr Sedan $4,719
Volkswagen Jetta SE 2.5 Station Wagon $4,773
Toyota RAV4 Limited 4WD $4,810
Hyundai Elantra SE Touring Station Wagon $4,969
Ford Explorer XLT AWD $4,987
Chevrolet Impala LTZ $5,073
Ford Edge Limited AWD $5,082
Toyota Prius $5,087
Hyundai Sonata GLS 4-Dr Sedan $5,160
Nissan Rogue S 2WD $5,170
Chevrolet Malibu LTZ $5,164
Chevrolet Equinox LTZ AWD $5,172
Toyota Corolla XRS $5,164
Honda Odyssey EX W/Rear Entertainment $5,173
Ford Focus S 4-Dr Sedan $5,181
Chevrolet Silverado LS Regular Cab 2WD $5,246
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $5,382
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Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Price estimates do not factor in vehicle garaging location which can change premiums greatly.

By looking at the data, you can conclude that cars like the Ford Escape, Honda CR-V, Ford F-150, Honda Civic, and Volkswagen Jetta will be the most affordable vehicles to insure for drivers with handicaps.

Choosing a good quality auto insurance provider can be a challenge considering how many different insurance companies sell coverage in Pennsylvania. The ranking data in the next section could help you select which car insurance companies you want to consider when shopping car insurance rates for handicapped drivers.

These ratings are only made up of companies that insure vehicles nationwide, so companies that have a smaller presence will not be included in these rankings. To compare rates from many more Pennsylvania auto insurance companies, follow this link.

Top Auto Insurance Companies for Handicapped Drivers in Philadelphia, PA
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
The General 96 100 92 91% A- 95
Titan Insurance 87 96 94 93% A+ 92.9
The Hartford 88 96 91 93% A+ 92.6
Progressive 84 94 99 90% A+ 92.4
Travelers 84 93 100 87% A++ 92.3
State Farm 84 93 95 87% A++ 91
Farmers Insurance 87 92 90 85% A 90.6
Erie Insurance 79 93 90 87% A+ 88.6
Safeco Insurance 85 91 87 86% A 88.4
USAA 71 93 98 87% A++ 88
GEICO 73 93 95 85% A++ 87.1
21st Century 85 85 91 89% A 86.9
Liberty Mutual 72 91 97 83% A 86.4
AAA Insurance 85 85 88 86% A 85.8
Nationwide 71 90 93 83% A+ 84.9
Allstate 69 92 92 83% A+ 84.4
American Family 77 96 80 85% A 83.8
Esurance 70 80 89 77% A+ 79.2
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Data Source: Insure.com Best Car Insurance Companies

Get discounts on Philadelphia car insurance

Discounts on auto insurance for handicapped driversAuto insurance companies that offer quotes for handicapped drivers may have policy discounts that may potentially lower prices by 35% or more if you can meet the requirements. A list of companies and their possible discounts are shown below.

The example below shows the comparison of car insurance rates with and without discounts applied to the rates. The data is based on a male driver, no violations or accidents, Pennsylvania state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with multiple vehicle, anti-theft, safe-driver, multiple policy, accident-free, and defensive driving course discounts applied. When drivers qualify for the discounts, theaverage amount saved on auto insurance for handicapped drivers is 28% or $517.

Comparison of full coverage and liability-only policies

Saving money when shopping for auto insurance should be important to the majority of drivers, and one of the quickest ways to find cheap insurance for handicapped drivers is to buy only liability coverage. The example below illustrates the comparison of yearly insurance costs with and without full coverage. The rates are based on no tickets, no at-fault accidents, $1,000 deductibles, single marital status, and no discounts are factored in.

Averaged for all age groups, physical damage coverage on your policy costs $1,844 per year over and above liability coverage. That is a significant amount which raises the question if you should buy full coverage. There is no specific rule that is best for determining when to drop physical damage insurance, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.

For example, let’s assume your vehicle’s claim settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, you would only receive $2,000 after paying your deductible. If it’s costing in excess of $200 a year for your policy with full coverage, then it could be time to drop full coverage.

The importance of comparing Philadelphia car insurance rates

Philadelphia, PA auto insurance rates are calculated based on many things that can increase the price you pay for coverage. Simply turning a year older, filing a claim, or getting caught speeding can trigger rate changes resulting in some rates now being cheaper than before.

Also, insurance companies modify pricing as often as every quarter to adjust for gains or losses. An extended period of higher than normal claims can result in higher priced premiums, while profitable underwriting can cause more affordable Philadelphia car insurance rates.

To illustrate this example, the bar chart below analyzes the cheapest car insurance in Philadelphia, PA for a 35-year-old male driver with no accidents or violations, and good financial standing. Based on his current situation, General Casualty may have the cheapest car insurance rates in Philadelphia at $1,633 annually. This is $24 less than the average premium paid by Pennsylvania drivers of $1,657. USAA, Erie, Travelers, and Penn National are the rest of the most affordable Philadelphia, PA auto insurance companies.

Now let’s give the driver in the first chart some claims, a little lower credit rating, and a stop sign violation. Since each insurance company has a different formula for setting prices, comparing prices could result in a substantially altered list of affordable Philadelphia car insurance companies as shown below.

Auto-Owners now has the best price in Philadelphia with Atlantic States, Donegal Mutual, USAA, and Allied now rounding out the top five. This demonstrates why Philadelphia drivers need to shop around with many companies to get affordable car insurance quotes for handicapped drivers. Prices can be determined by many risk factors and change dramatically, so the cheapest rate a year ago may now be an over-priced policy.