Who Has the Cheapest Auto Insurance for Handicapped Drivers in Scottsdale?

One of the more important components that are looked at to help calculate auto insurance rates is where you normally keep your vehicle. Regions with larger populations or more claims tend to pay slightly more, whereas areas with less crime or weather claims get the luxury of paying less.

The following table lists the most expensive places in Arizona for handicapped drivers to purchase auto insurance in. Scottsdale comes in at #7 costing $1,151 for coverage, which is about $96 monthly.

How much does car insurance cost in Scottsdale, AZ?
Rank City Annual Premium
1 Phoenix $1,268
2 Glendale $1,190
3 Avondale $1,186
4 San Tan Valley $1,161
5 Buckeye $1,156
6 Tempe $1,152
7 Scottsdale $1,151
8 Gilbert $1,142
9 Peoria $1,126
10 Mesa $1,113
11 Maricopa $1,107
12 Goodyear $1,098
13 Chandler $1,093
14 Casas Adobes $1,082
15 Tucson $1,072
16 Catalina Foothills $1,050
17 Surprise $1,048
18 Casa Grande $1,047
19 Oro Valley $1,020
20 Flagstaff $969
21 Yuma $954
22 Prescott $914
23 Lake Havasu City $870
24 Bullhead City $869
25 Sierra Vista $863
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Rates are estimated as zip code location can alter prices greatly.

The type of vehicle driven is one of the primary factors that determines if you can find the cheapest car insurance for handicapped drivers. Vehicles with limited speed and performance, a great safety record, or a low likelihood of having liability claims will cost quite a bit less to insure than high performance models.

The next table presents car insurance costs for the more affordable vehicles to insure.

Cheapest Vehicles to Insure in Scottsdale, AZ
Vehicle Estimated Cost for Full Coverage
Volkswagen Jetta S 2.5 Station Wagon $1,481
Dodge Grand Caravan CV $1,529
Honda Accord LX 4-Dr Sedan $1,558
Ford Escape XLT 4WD $1,593
Ford Explorer Eddie Bauer AWD $1,646
Ford Focus SES 4-Dr Sedan $1,664
Toyota Camry XLE $1,696
Honda Odyssey EX-L W/Rear Entertainment $1,701
Honda CR-V EX 4WD $1,709
Ford F-150 XL Super Cab 4WD $1,749
Nissan Altima 2.5 4-Dr Sedan $1,847
Ford F-250 XL Cabela Package 2WD $1,852
Toyota Prius $1,855
Chevrolet Impala LTZ $1,943
Hyundai Elantra GLS 4-Dr Sedan $1,950
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Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Premium amounts do not factor in specific location which can affect coverage prices significantly.

Looking at the data, you can expect makes and models like the Volkswagen Jetta, Dodge Grand Caravan, Honda Accord, and Ford Escape will be some of the more affordable vehicles to insure for drivers with handicaps.

Price comparison of only insuring for liability

Reducing the cost of car insurance should be important to most people, and one of the best ways to save on the cost of insurance for handicapped drivers is to buy liability only. The diagram below shows the difference between auto insurance rates with full coverage compared to only the Arizona minimum liability coverage. The price estimates are based on no tickets, no at-fault accidents, $250 deductibles, marital status is single, and no additional discounts are factored in.

If averaged for all ages, full coverage on your policy costs $1,745 per year more than just buying liability only. That proposes the question if buying full coverage is a good investment. There is no set rule of when to phase out physical damage insurance, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than about 10% of the settlement you would receive from your company, then you may want to consider only buying liability coverage.

Choosing a good quality auto insurance provider can be challenging considering how many companies are available to choose from in Arizona. The rank data in the next section can help you decide which auto insurers you want to consider putting your business with. These rankings are only comprised of large nationwide companies, so smaller regional companies will not be included in the list.

Scottsdale, AZ Car Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
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Data Source: Insure.com Best Car Insurance Companies

Discount Scottsdale auto insurance rates

Car insurance for drivers with handicaps in Scottsdale, AZInsurance companies that provide coverage for handicapped drivers may also offer price discounts that can reduce rates by as much as 35% if you qualify for them. The best car insurance companies and some of their more popular discounts are outlined below.

The example below illustrates the comparison of auto insurance costs with and without discounts applied to the policy rates. The data is based on a male driver, no claims or driving violations, Arizona state minimum liability limits, full coverage, and $1,000 deductibles.

The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with homeowner, vehicle safety, defensive driving course, marriage, claim-free, and anti-theft discounts applied. With discounts applied, the average savings per year on car insurance for handicapped drivers is 28% or $351.