Life would sure be easier if we could simply tell you the one best company that has the cheapest coverage for handicapped drivers in Indiana. It's not that easy, however, as there are a whole bunch of unknown elements such as if you own a home, your credit score, whether you are female or male, and your date of birth, that all help calculate your car insurance rates. This article goes into detail about the best ways to avoid high prices and educate you enough to have a good start in finding the cheapest insurance in Indiana.
The type of vehicle needing coverage is probably the largest consideration that determines the availability of economical coverage for handicapped drivers. Vehicles with lower performance, a plethora of safety features, or a track record of few liability claims will cost significantly less to insure than high performance models.
The data below illustrates insurance prices for a selection of the most budget-friendly vehicles to insure.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Honda CR-V EX-L 4WD||$568|
|Ford Escape XLT 2WD||$608|
|Honda Accord LX 4-Dr Sedan||$615|
|Chevrolet Malibu LS||$657|
|Toyota RAV4 Limited 4WD||$665|
|Hyundai Elantra Blue 4-Dr Sedan||$680|
|Ford Explorer XLT 2WD||$682|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$690|
|Ford Edge Sport 2WD||$694|
|Toyota Corolla XLE||$699|
|Ford Focus S 4-Dr Sedan||$706|
|Jeep Grand Cherokee Limited 2WD||$711|
|Dodge Grand Caravan CV||$706|
|Nissan Rogue S AWD||$713|
|Ford Fusion Sport 4-Dr Sedan||$706|
|Chevrolet Silverado LT Regular Cab 2WD||$716|
|Ford F-150 Lariat Crew Cab Harley 4WD||$717|
|Honda Odyssey EX W/Rear Entertainment||$726|
|Toyota Camry LE||$741|
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Prices do not factor in vehicle garaging location which can modify premium rates noticeably.
Based upon the table data, vehicles like the Honda CR-V, Ford Escape, Honda Accord, and Toyota Prius are going to be a few of the less-costly vehicles to insure for drivers with handicaps.
One of the many components that determine the price you pay for insurance is where you choose to live in Indiana. More populated areas like Gary, Portage, and Merrillville will most likely have higher rates, whereas more rural areas tend to receive slightly lower rates.
The following table sorts the most expensive areas in Indiana for handicapped drivers in which to buy car insurance.
|Rank||City||Premium Per Year|
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Price information shown is approximated as specific location information can alter coverage prices substantially.
Finding decent, low-cost auto insurance is hard enough, and figuring out which companies offer the cheapest insurance rates for handicapped drivers in Indiana takes even more perseverance. Every auto insurer has a proprietary formula for establishing rates, so let's take a look at the overall cheapest insurance companies in Indiana.
It's a good idea to be aware that Indiana insurance rates are impacted by many things which can substantially decrease or increase the cost of a policy. Simply getting older, buying a home instead of renting, or having an at-fault accident can cause premium changes that can cause some rates to be more expensive than competitors.
Find the Best Cheap Insurance in Indiana
Travelers generally has some of the best car insurance rates in Indiana at around $620 each year. USAA, Cincinnati Insurance, Erie, and Western Reserve also make the cut as some of the lowest-priced Indiana car insurance companies.
As illustrated above, if you are currently insured with Erie and switched to USAA, you may see a yearly price reduction of in the neighborhood of $44. Policyholders with Western Reserve may save as much as $185 a year, and The Hartford policyholders might lower prices by up to $194 a year.
To get a fast rate comparison, click here or quote rates from the companies below.
Remember that these prices are averaged across all drivers and vehicles and and are not calculated with a price discount for handicapped drivers. So the insurer that is best for you may not even be in the top 36 companies in the list above. That points out the importance of why you need to compare rates from multiple companies using your own personalized driver profile and vehicle information.
Discount Indiana auto insurance
Auto insurance companies that offer cheap quotes for handicapped drivers may also give you discounts that could potentially reduce rates by as much as 30% if you meet certain criteria. A list of insurance companies and some of the discounts include:
- State Farm may have discounts that include Steer Clear safe driver discount, anti-theft, student away at school, safe vehicle, multiple policy, defensive driving training, and passive restraint.
- Farmers Insurance discounts include multi-car, pay in full, business and professional, electronic funds transfer, and good student.
- Progressive policyholders can earn discounts including online quote discount, multi-policy, good student, continuous coverage, and homeowner.
- GEICO has discounts for driver training, seat belt use, daytime running lights, anti-theft, and anti-lock brakes.
- Auto-Owners Insurance may include discounts for air bags, paid in full, safe vehicle, company car, good student, and teen driver.
- The Hartford offers premium reductions for defensive driver, anti-theft, good student, vehicle fuel type, air bag, bundle, and driver training.
- Farm Bureau has savings for 55 and retired, good student, driver training, multi-vehicle, youthful driver, and safe driver.
- USAA includes discounts for good student, annual mileage, loyalty savings, family discount, military installation, vehicle storage, and new vehicle.
The chart below shows the difference between insurance costs with and without discounts applied to the policy premium. Data assumes a female driver, no driving violations, no at-fault accidents, Indiana state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second shows the rates with anti-theft, multiple policy, multiple vehicle, accident-free, claim-free, and vehicle safety discounts applied. When taking advantage of discounts, theamount saved on insurance for handicapped drivers is 28% or $567.
Best insurance company in Indiana
Ending up with a high-quality company can be a challenge considering how many companies sell insurance in Indiana. The ranking data shown next may help you decide which auto insurance companies to look at purchasing from.
These ratings include companies that write coverage in many states, so companies that may only write in Indiana are not included in the list. If you'd like to compare prices from these and other companies in Indiana, simply click here.
Top 10 Large Car Insurance Companies in Indiana Ranked by A.M. Best Rating
- USAA - A++
- GEICO - A++
- Travelers - A++
- State Farm - A++
- Allstate - A+
- Progressive - A+
- Erie Insurance - A+
- The Hartford - A+
- Nationwide - A+
- Esurance - A+
Top 10 Large Car Insurance Companies in Indiana Ranked by Customer Service
- State Farm
- Safeco Insurance
- American Family
- Titan Insurance
- Liberty Mutual
- Erie Insurance
What aren't you shopping around?
Indiana insurance rates are influenced by many factors that will increase or decrease the price you have to pay. Improving your credit rating, moving to a different location, or getting a DUI may cause policy rate changes that can make some companies more affordable than before.
Also, car insurance companies modify rates without warning to reflect underwriting profits or losses. Unexpectedly high claims can result in increased rates, while a better claims history may produce cheaper Indiana car insurance rates.
For example, the bar chart below shows a variety of companies that have the cheapest car insurance in Indiana for a 40-year-old female driver with a clean driving record, no accidents, and solid credit. Based on her current risk profile, Travelers has the best car insurance rates in Indiana at $596 annually. This is $644 less than the average premium paid by Indiana drivers of $1,240. Cincinnati Insurance, USAA, Erie, and The Hartford are the remaining cheapest Indiana auto insurance companies.
The next chart shows rates after we give the driver in the first example a chargeable claim, less-than-perfect credit, and a couple of points charged on her driving record. Because each company has their own formula to set policy rates, getting updated rate quotes could now result in a different set of affordable companies as shown below.
Indiana Farmers Mutual now has the cheapest auto insurance in Indiana with Auto-Owners, Cincinnati Insurance, USAA, and Nationwide also being competitive. This example illustrates why consumers need to compare rates when trying to find affordable auto insurance quotes for handicapped drivers.
Auto insurance prices consist of many factors and can change substantially, so the best option three years ago may now be one of the more expensive options.