How Much Does Auto Insurance Cost for Handicapped Drivers in Minnesota?

Everyone has different tastes in autos, and the style of vehicle you are buying coverage for is one of the biggest factors when consumers are trying to find cheap insurance for handicapped drivers in Minnesota. Vehicles with lower acceleration and performance, a plethora of safety features, or a low likelihood of liability claims will cost substantially less to insure than higher performance models. The information below ranks insurance rates for a number of the cheaper vehicles to buy coverage for.

Data rating is based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Minnesota minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Estimates do not factor in specific zip code location which can lower or raise premium rates significantly.

Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Minnesota minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Information does not factor in vehicle location which can raise or lower price quotes significantly.

Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Minnesota minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Price information does not factor in Minnesota location which can modify premium rates greatly.

One of the many factors used to calculate the amount you pay each year for auto insurance is where your home is located. Cities with larger populations or higher claims like Minneapolis, Maplewood, and Coon Rapids will most likely have higher rates, whereas less populated areas generally have lower rates.

The table below shows the most costly cities in Minnesota for handicapped drivers in which to buy car insurance.

Premium costs are comparative as the specific Minnesota residence address can change prices substantially.

Shopping around for affordable insurance is difficult, and figuring out which companies quote the most affordable car insurance rates for handicapped drivers may require even more perseverance.

Each auto insurance company has their own formula for determining rates, so let’s rank the overall cheapest car insurance companies in Minnesota. We do need to point out that Minnesota car insurance rates are calculated based on many things which can substantially change the cost of having a policy. This price fluctuation is why it is crucial to shop around to find the most economical auto insurance quotes for handicapped drivers. Car insurance prices are influenced by many things and change substantially, so the cheapest company the last time you checked may now be wasting a lot of money.

Best Car Insurance Prices in Minnesota

Compare Rates and Save

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Travelers may offer some of the most affordable car insurance rates in Minnesota at around $647 a year. USAA, Farm Bureau Mutual, The Hartford, and Western National are also some of the best Minnesota insurance companies.

As depicted above, if you are currently insured with Farm Bureau Mutual and switched to Travelers, you may realize savings of approxmiately $190. Customers with The Hartford might save as much as $279 a year, and Western National insureds might see rate reductions of $290 a year.

To see if you’re overpaying, click here to begin a quote or feel free to get quotes from the companies below.

It’s important to note that these prices are averaged for all insureds and vehicles and and are not calculated with a price discount for handicapped drivers. So the car insurance company that fits your needs best may not even be included in the list above. That’s why you need to get rate quotes using your own driver information and specific vehicle type.

Picking a highly-rated insurance company is difficult considering how many choices you have in Minnesota. The company information shown below may help you choose which insurers you want to consider purchasing from.

These rankings include companies with a national presence, so companies that focus mainly on Minnesota business are not included in the list. To compare prices from these and other top-rated companies, simply click here.

Top 10 Major Auto Insurers in Minnesota Ranked by Customer Satisfaction

1. USAA – 92%
2. American Family – 88%
3. State Farm – 88%
4. Nationwide – 88%
5. 21st Century – 88%
6. The Hartford – 87%
7. Progressive – 87%
8. AAA Insurance – 87%
9. Farmers Insurance – 87%
10. Liberty Mutual – 87%

Violations and accidents raise rates

In a perfect world, the best way to snag low car insurance rates for drivers with handicaps is to be a good driver and not have accidents or get tickets. The example below illustrates how traffic citations and at-fault claims can influence car insurance costs for each different age group. The costs are based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 2795,3325,5303],[‘Age 30’, 1463,1993,3971],[‘Age 40’, 1443,1971,3947],[‘Age 50’, 1311,1841,3819],[‘Age 60’, 1271,1799,3777],[‘Age 70’, 1551,2079,4057]]);var options = {title: ‘Impact of Citations and Accidents on Minnesota Insurance Cost’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Minnesota’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the chart above, the average cost of car insurance in Minnesota per year with no violations or accidents is $1,639. Get written up for two speeding tickets and the average cost rises to $2,168, an increase of $529 each year. Then add two accidents along with the two speeding tickets and the annual cost of car insurance for handicapped drivers jumps again to an average of $4,146. That’s an increase of $2,507, or $209 per month, just for not maintaining a clean driving record!