Who Has Cheap Car Insurance Quotes for Handicapped Drivers in Riverside?

For drivers with handicaps, one of the largest components that aid in calculating auto insurance rates is where you live in Riverside. Cities with larger populations tend to pay more, whereas areas with less people or fewer weather incidents have the enjoyment of a little cheaper coverage.

The information below lists the priciest cities in California for handicapped drivers to buy auto insurance in. Riverside ranks #15 with the yearly price of $1,482 for the average policy, which is around $124 each month.

Car insurance prices in Riverside
Rank City Annual Rate
1 Los Angeles $2,146
2 Glendale $2,142
3 San Francisco $1,711
4 Sacramento $1,703
5 Oakland $1,687
6 Long Beach $1,626
7 Stockton $1,588
8 San Bernardino $1,580
9 Moreno Valley $1,551
10 Santa Clarita $1,548
11 Modesto $1,547
12 Garden Grove $1,524
13 Fontana $1,519
14 Santa Ana $1,483
15 Riverside $1,482
16 Anaheim $1,474
17 Fresno $1,457
18 San Jose $1,395
19 San Diego $1,381
20 Huntington Beach $1,374
21 Fremont $1,361
22 Bakersfield $1,353
23 Irvine $1,343
24 Chula Vista $1,337
25 Oxnard $1,304
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Price information shown is estimated as the specific area where the vehicle is garaged can decrease or increase rates considerably.

Finding out which company offers the cheapest insurance rates for handicapped drivers takes a bit more effort in order to find the best price.

Every car insurance company has a different formula to set their prices, so let’s take a look at the insurance companies that tend to have lower prices in California. It’s a good idea to be aware that California insurance rates are based on many factors that may substantially change the price you have to pay for coverage. Getting older, adding a teenager to your policy, or getting a DUI can trigger price changes that can cause some rates to be more affordable than others.

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Cheapest auto insurance in California ranked by cost per year
Rank Company Cost Per Year
1 USAA $1,143
2 Wawanesa $1,146
3 Century National $1,226
4 CSAA $1,234
5 Nationwide $1,263
6 21st Century $1,325
7 Grange $1,491
8 Progressive $1,496
9 Allstate $1,513
10 Mercury $1,548
11 GEICO $1,559
12 The Hartford $1,591
13 Allied $1,603
14 MetLife $1,638
15 Unitrin $1,733
16 Esurance $1,739
17 State Farm $1,750
18 Travelers $1,788
19 Bristol West $1,795
20 Farmers $2,006
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USAA may have some of the best car insurance rates in Riverside at around $1,143 a year. Wawanesa, Century National, CSAA, and Nationwide also are some of the cheapest Riverside, CA insurance companies.

As the example above demonstrates, if you are a customer of Nationwide and switched to Wawanesa, you could realize annual savings of roughly $117. Insureds with 21st Century might save as much as $179 a year, and Grange insureds might lower prices by $345 a year.

Remember that these premium estimates are averages for all ages of drivers and types of vehicles and are not factoring in an exact location for handicapped drivers. So the auto insurance company that fits you best may not even be in the top 24 companies in the list above. That points out the importance of why you need to get car insurance quotes using your own driver and vehicle profiles.

The car, truck, or SUV you are buying coverage for is probably the most important factor when consumers are trying to find low-priced auto insurance for handicapped drivers. Vehicles with reasonable performance levels, advanced safety features, or a positive history of liability claims will cost significantly less to insure than higher performance models. The data below illustrates car insurance prices for the most economical vehicles to insure.

Cheapest Vehicles to Insure in Riverside, CA
Vehicle Estimated Cost for Full Coverage
Honda CR-V EX 2WD $805
Ford Escape XLT 4WD $825
Honda Odyssey EX W/Rear Entertainment $933
Toyota RAV4 Limited 4WD $953
Ford Focus SEL 4-Dr Sedan $982
Toyota Corolla S $1,002
Hyundai Elantra GLS 4-Dr Sedan $1,012
Jeep Wrangler Sport Islander Package 4WD 2-Dr $1,004
Ford Edge SE 2WD $1,006
Toyota Prius $1,018
GMC Sierra SLE Crew Cab 2WD $1,022
Ford F-150 XLT Super Cab 2WD $1,026
Dodge Grand Caravan CV $1,031
Toyota Tacoma Double Cab 4WD $1,086
Chevrolet Malibu LS $1,095
Chevrolet Equinox LT 2WD $1,086
Chevrolet Silverado LS Extended Cab 4WD $1,095
Chevrolet Impala LT $1,086
Volkswagen Jetta 2.0T Station Wagon $1,088
Honda Accord EX-L 2-Dr Coupe $1,093
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Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Prices do not factor in specific Riverside, CA garaging location which can alter coverage prices greatly.

Looking at the rates, you can assume that cars like the Honda CR-V, Ford Escape, and Honda Odyssey will definitely be some of the less-costly vehicles to insure for drivers with handicaps.

Buying coverage from a high-quality insurer is hard considering how many different companies sell coverage in California. The ranking data shown next may help you analyze which providers to look at shopping prices with. The rankings below only include companies that insure vehicles across America, so smaller regional companies are not factored into the list.

Best 15 Insurance Companies for Handicapped Drivers in California
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
AAA of Southern California 91 94 97 92% A+ 94.1
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
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
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Data Source: Insure.com Best Car Insurance Companies

Does full coverage make sense?

Buying cheaper insurance should be important to most vehicle owners, and one of the fastest ways to pay lower rates for insurance for handicapped drivers is to buy only liability coverage. The diagram below illustrates the difference between insurance prices with full coverage and liability only. The data is based on no violations or claims, $250 deductibles, single status, and no discounts are applied.

If we average the cost for ages 20 through 70, comp and collision coverage costs an additional $3,147 per year more than just insuring for liability. That raises the question if buying full coverage is a good investment. There isn’t a written rule to stop paying for full coverage on your policy, but there is a general school of thought. If the annual cost of coverage is more than about 10% of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.

Careless Riverside drivers pay higher rates

The common sense way to earn the best insurance prices in California for drivers with handicaps is to drive carefully and avoid getting tickets or having accidents. The chart below demonstrates how citations and accident claims can impact auto insurance costs for each different age category. The price estimates are based on a married female driver, full coverage, $100 deductibles, and no discounts are applied.

The data in the chart shows the average cost of car insurance per year with no accidents or violations is $2,650. Add in two speeding tickets and the average cost hikes up to $3,786, an increase of $1,136 each year. Then add in two accidents along with the two speeding tickets and the annual cost of insurance for handicapped drivers jumps again to an average of $7,786. That’s an increase of $5,136, or $428 per month, just for not being more responsible behind the wheel!

If you prefer to have a consultation when shopping around for cheaper insurance for drivers with handicaps, the insurance agencies listed below can provide answers to your questions and help you determine which car insurance company is the best fit. To find an auto insurance agency by location nearest to you, click the button at the bottom of the list or click here to compare price quotes.

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