Cheapest Car Insurance for Handicapped Drivers in Idaho

I’m sure you’ve seen the catchy commercials from auto insurance companies like Nationwide, The General, and Liberty Mutual that guarantee big savings, so you just need to choose the one with the flashiest ad, right?

That is not the case, however, as there are many unknown elements such as where your residence is in Idaho, the amount of physical damage deductibles, and if full coverage is needed. This article will detail these things and will give you a solid foundation to find cheaper car insurance in Idaho.

Performance level and cost of the vehicle that needs insurance is probably the biggest factor in finding the best cheap car insurance for handicapped drivers. Vehicles with more horsepower, a lack of advanced safety features, or a high likelihood of having liability claims will cost more to insure than more modest models. The information below estimates insurance premiums for a selection of the most budget-friendly automobiles to insure in Idaho.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Idaho minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Premium amounts do not factor in specific location information which can influence insurance rates significantly.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Idaho minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Estimates do not factor in specific location which can decrease or increase price quotes substantially.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Idaho minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Rates do not factor in your specific Idaho location which can affect premiums greatly.

For drivers with handicaps, one of the largest considerations that is looked at to determine auto insurance rates is where you keep your car in Idaho. Urban areas that are densely populated like Moscow, Blackfoot, and Twin Falls tend to have higher auto insurance costs, whereas cities that are not as densely populated benefit from having to pay less for coverage.

The information below displays the most costly cities in Idaho for handicapped drivers to buy an auto insurance policy in.

Rate quotes are approximated as the specific zip code location can affect rates noticeably.

Choosing the right car insurance provider can be rather challenging considering how many choices there are in Idaho. The company information displayed below can help you pick which coverage providers you want to consider comparing rates from. These rankings are for insurance companies that insure vehicles in the majority of U.S. states, so companies that only write business in Idaho or surrounding areas are not factored into the list.

Top 10 Large Auto Insurers Overall in Idaho

1. USAA
2. American Family
3. State Farm
4. The Hartford
5. AAA Insurance
6. GEICO
7. The General
8. Progressive
9. Allstate
10. Nationwide

Discounts on the cheapest car insurance for handicapped drivers in Idaho

Insurance companies that offer coverage for handicapped drivers may have premium discounts that can reduce rates by 25% or more if you meet specific criteria. A few of the larger companies and some of the premium reductions they offer can be found below.

The example below illustrates the comparison of car insurance rates with and without discounts applied to the policy premium. The prices are based on a female driver, no tickets, no at-fault accidents, Idaho state minimum liability limits, full physical damage coverage, and $100 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with marriage, passive restraint, multiple policy, accident-free, multiple vehicle, and vehicle safety discounts applied. When discounts are factored in, the average amount saved each year on insurance for handicapped drivers is 13% or $243.

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Allstate, Geico, State Farm, or Progressive: Which is best?

When it comes to auto insurance for drivers with handicaps in Idaho, the top insurers to get price quotes from are Allstate, Geico, State Farm, and Progressive. The next table compares and contrasts some of the ratings and options you can expect with each one.