Who Has Cheap Auto Insurance Quotes for Handicapped Drivers in California?

Who Has Cheap Auto Insurance Quotes for Handicapped Drivers in California?

One of the more important things used to establish the policy price is where you normally keep your vehicle in California. Cities with larger populations or higher claim trends like Los Angeles, Oakland, and Sacramento tend to have higher rates, whereas more rural areas have the luxury of lower rates.

The next table rates the priciest cities in California for handicapped drivers to purchase a policy in.

Where does California rank for car insurance cost?
Rank City Annual Rate
1 Los Angeles $2,083
2 Glendale $2,058
3 Oakland $1,738
4 San Francisco $1,693
5 Sacramento $1,652
6 Long Beach $1,626
7 Stockton $1,603
8 San Bernardino $1,580
9 Santa Clarita $1,548
10 Fontana $1,535
11 Fresno $1,517
12 Garden Grove $1,508
13 Moreno Valley $1,506
14 Riverside $1,497
15 Anaheim $1,488
16 Modesto $1,487
17 Santa Ana $1,483
18 San Jose $1,437
19 Huntington Beach $1,402
20 Bakersfield $1,394
21 Irvine $1,371
22 Oxnard $1,358
23 Fremont $1,348
24 San Diego $1,340
25 Chula Vista $1,298
Find the Best Rates Go

Annual rates are estimated as specific California zip code can influence coverage prices substantially.

Deciphering which companies have the cheapest car insurance rates for handicapped drivers will involve a tad more effort in order to find a policy that fits your budget.

Each insurer has a different formula for setting prices, so to begin we’ll rank the most budget-friendly car insurance companies in California.

Best Auto Insurance Prices in California

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What’s the cheapest car insurance in California?
Rank Company Cost Per Year
1 USAA $1,143
2 Century National $1,178
3 Wawanesa $1,181
4 Nationwide $1,213
5 CSAA $1,222
6 21st Century $1,379
7 Grange $1,433
8 Progressive $1,496
9 Allstate $1,497
10 Mercury $1,503
11 GEICO $1,559
12 The Hartford $1,591
13 Allied $1,603
14 MetLife $1,638
15 Esurance $1,688
16 Unitrin $1,733
17 State Farm $1,750
18 Bristol West $1,777
19 Travelers $1,806
20 Farmers $1,966
Compare Rates Now Go

USAA quotes some of the lowest car insurance rates in California at around $1,143 annually. Century National, Wawanesa, Nationwide, and CSAA would also make the list of some of the most economical California insurance companies.

In the above rates, if you have coverage with Wawanesa and switched to USAA, you might achieve an annual savings of in the vicinity of $38. Policyholders with Nationwide could save as much as $70 a year, and CSAA customers might cut rates by $79 a year.

To compare your rates to other California insurance companies, click here to get a free quote or visit any of the low-priced companies below.

These premium estimates are averages for all types of insureds and vehicles and are not factoring in a rate decrease for handicapped drivers. So the auto insurance company that has the lowest price for you may not even be in the list above. That’s why you need to compare rates from multiple companies using your own driver and vehicle profiles.

Liability rates compared to full coverage

Finding cheap car insurance for handicapped drivers in California is probably important to most vehicle owners, and one common way to reduce the cost of insurance is to not insure for full coverage. The example below shows the comparison of annual premium costs with liability coverage only compared to full coverage. The premiums assume no driving violations, no at-fault accidents, $1,000 deductibles, marital status is single, and no discounts are taken into consideration.

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If we average all the age groups together, comprehensive and collision coverage on your policy costs an extra $2,467 per year more than insuring for liability only. Lot’s of drivers question if physical damage coverage is worth the money. There is no exact rule for dropping comp and collision coverage, but there is a broad guideline. If the yearly cost of full coverage is more than about 10% of the settlement you would receive from your company, then you might want to consider buying only liability coverage.

There are some cases where eliminating full coverage is not advised. If you still have a lienholder on your title, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should maintain full coverage.