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.
| 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.
| 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.
| 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
Insurance 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.
- State Farm offers discounts for multiple policy, driver’s education, Steer Clear safe driver discount, passive restraint, good student, good driver, and accident-free.
- GEICO offers premium reductions for seat belt use, anti-lock brakes, defensive driver, anti-theft, and membership and employees.
- Allstate policyholders can earn discounts including farm vehicle, senior citizen, EZ pay plan discount, safe driver, auto/life discount, and new car.
- SAFECO discounts include accident prevention training, homeowner, multi-car, drive less, and teen safe driver.
- Farm Bureau has discounts for multi-policy, youthful driver, multi-vehicle, good student, renewal discount, driver training, and safe driver.
- Progressive offers discounts including homeowner, good student, multi-vehicle, online quote discount, multi-policy, continuous coverage, and online signing.
- AAA has savings for good student, education and occupation, multi-car, AAA membership discount, good driver, multi-policy, and anti-theft.
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.