The words “cheap” and “insurance” probably shouldn’t be used in the same sentence, specifically when trying to find the best price on coverage for handicapped drivers. To help control this cost, let’s start the ball rolling by going over a few of the factors that significantly impact car insurance prices, and find out if you can lower the price of your next policy.
Locating affordable auto insurance is hard enough, and figuring out which company has the cheapest auto insurance rates for handicapped drivers calls for a little more work. Each company has their own process for determining rates, so let’s rank the lowest cost auto insurance companies in Ohio.
We do need to point out that Ohio auto insurance rates are influenced by many factors that may substantially change the price you have to pay for coverage. Simply having a birthday, filing a claim, or getting a speeding ticket may generate price changes resulting in some rates now being more expensive than others.
Find the Best Cheap Insurance in Ohio
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Utica National | $628 |
| 2 | Frankenmuth | $680 |
| 3 | Erie | $687 |
| 4 | Allied | $697 |
| 5 | USAA | $711 |
| 6 | Travelers | $733 |
| 7 | Merchants Insurance Group | $755 |
| 8 | Cincinnati Insurance | $779 |
| 9 | Motorists Mutual | $792 |
| 10 | General Casualty | $805 |
| 11 | Grange Mutual | $836 |
| 12 | State Farm | $858 |
| 13 | Central Mutual | $874 |
| 14 | Hastings Mutual | $884 |
| 15 | Atlantic States | $904 |
| 16 | Westfield | $908 |
| 17 | Progressive | $962 |
| 18 | Western Reserve | $970 |
| 19 | Nationwide | $988 |
| 20 | Auto-Owners | $998 |
| Find Your Rate Go | ||
Utica National has some of the cheapest car insurance rates in Cincinnati at around $628 annually. This is $412 less than the average policy premium paid by Ohio drivers of $1,040. Frankenmuth, Erie, Allied, and USAA also rank well as some of the cheapest Cincinnati, OH car insurance companies.
As shown above, if you buy coverage from Erie and switched to Utica National, you might see an annual savings of approximately $59. Policyholders with Allied might save as much as $69 a year, and USAA customers might cut rates by $83 a year.
These policy rates are averages for all types of insureds and vehicles and and are not figured with a vehicle location for handicapped drivers. So the company that fits your situation best may not even be in the top 33 companies shown above. That’s why you need to compare rates from as many companies as possible using your own specific driver information and vehicle.
The vehicle model driven is a significant factor when shopping for the lowest-priced car insurance for handicapped drivers. Vehicles with higher performance, poor passenger safety features, or a history of substantial liability claims will cost much more to insure than safer, lower-performance models. The data below ranks auto insurance prices for the cheapest vehicles to insure in Ohio.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Toyota Prius | $1,291 |
| Ford Explorer XLT AWD | $1,306 |
| Honda Accord LX 4-Dr Sedan | $1,335 |
| Honda CR-V LX 4WD | $1,340 |
| Ford Escape XLS 2WD | $1,335 |
| Chevrolet Equinox LT AWD | $1,377 |
| Ford F-150 FX4 Super Cab 4WD | $1,404 |
| Ford Focus SEL 4-Dr Sedan | $1,423 |
| Hyundai Elantra GLS Touring Station Wagon | $1,426 |
| Ford Edge Sport AWD | $1,450 |
| Nissan Rogue S 2WD | $1,475 |
| Jeep Grand Cherokee SRT-8 4WD | $1,477 |
| Honda Civic Hybrid 4-Dr Sedan | $1,485 |
| Start Your Quote Go | |
Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Prices do not factor in specific zip code location which can affect coverage rates noticeably.
Looking at the numbers, we can expect models like the Toyota Prius, Ford Explorer, Honda Accord, Honda CR-V, and Ford Escape are most likely to be a few of the more affordable vehicles to insure for drivers with handicaps.
For drivers with handicaps, one of the largest components that aid in calculating car insurance rates is where you choose to live. Cities with more crime and/or more people tend to have more expensive car insurance rates, whereas areas that tend to be more rural have the benefit of cheaper car insurance.
The table below shows the most expensive areas in Ohio for handicapped drivers to buy car insurance in. Cincinnati shows up at #5 with a yearly premium of $1,186 on average, which is about $99 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Cleveland | $1,259 |
| 2 | Youngstown | $1,235 |
| 3 | Columbus | $1,235 |
| 4 | Toledo | $1,229 |
| 5 | Cincinnati | $1,186 |
| 6 | Euclid | $1,175 |
| 7 | Cleveland Heights | $1,166 |
| 8 | Dayton | $1,142 |
| 9 | Akron | $1,135 |
| 10 | Hamilton | $1,113 |
| 11 | Newark | $1,095 |
| 12 | Springfield | $1,094 |
| 13 | Canton | $1,069 |
| 14 | Middletown | $1,066 |
| 15 | Fairfield | $1,063 |
| 16 | Beavercreek | $1,058 |
| 17 | Kettering | $1,051 |
| 18 | Strongsville | $1,041 |
| 19 | Mansfield | $1,032 |
| 20 | Lakewood | $1,031 |
| Start a Quote Go | ||
Table data uses estimated as specific Cincinnati garaging address can influence coverage rates noticeably.
Auto insurance rates are higher with tickets and accidents
In a perfect world, the best way to find affordable auto insurance prices for drivers with handicaps is to drive cautiously and have a clean driving record. The chart below demonstrates how citations and accidents can influence yearly insurance costs for different age groups of insureds. The data assumes a married female driver, full coverage, $100 deductibles, and no discounts are factored in.
The data above shows the average cost of auto insurance in Ohio per year with a clean driving record and no accidents is $1,373. Factor in two speeding tickets and the average cost hikes up to $1,956, an increase of $583 each year. Then add in one accident along with the two speeding tickets and the 12-month cost of auto insurance for handicapped drivers jumps again to an average of $2,546. That’s an increase of $1,173, or $98 per month, just for not being a responsible driver!
Liability only or full coverage
Saving money when shopping for auto insurance is important to most drivers, and a great way to buy cheaper insurance for handicapped drivers is to only buy liability coverage. The illustration below illustrates the comparison of auto insurance costs with full physical damage coverage and with liability coverage only. The prices are based on no tickets, no at-fault accidents, $500 deductibles, marital status is single, and no discounts are factored in.
As an average, full coverage on your policy costs an additional $1,077 per year more than insuring for liability only. That amount may make you wonder if paying for full coverage is worth it. There is no set rule for eliminating physical damage coverage, but there is a guideline you can consider. If the annual cost of coverage is more than around 10% of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.
Ohio auto insurance companies
Finding the right car insurance provider can be difficult considering how many different insurance companies sell coverage in Ohio. The company rank data in the lists below could help you pick which car insurance companies to look at when shopping insurance around for handicapped drivers. These ratings only include the companies with a significant amount of written premium nationwide, so smaller companies that only insure vehicles in Ohio will not be included in the list.
Top 10 Major Auto Insurance Companies Overall in Cincinnati
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family
If you like to get some professional input when shopping for cheaper insurance for drivers with handicaps, the agents listed below can help you decide which coverages and limits you need.
To find a Cincinnati insurance agency using an interactive map, click the button below the list or click here to compare rates now.
- American Family Insurance – Michael Pippin
6097 Montgomery Rd – Cincinnati, OH 45213 – (513) 531-4800 - Zimmer Insurance Agency
2148 Gilbert Ave – Cincinnati, OH 45206 – (513) 381-1919 - Rick Wertz – State Farm Insurance Agent
7736 Beechmont Ave – Cincinnati, OH 45255 – (513) 231-0100
Find a Cincinnati, OH insurance agent near you
How to find low-cost auto insurance for handicapped drivers
Below you’ll find some of the better money-saving suggestions that can help you quote cheap coverage.
- Avoid having at-fault accidents
- Frequent claims will increase rates
- Do not pay for full coverage if not needed
- Do not get traffic tickets
- Higher comprehensive and collision coverage deductibles will save money
- Shop around once a year for cheaper rates
The final tip is particularly crucial, as we emphasized in the article above. Insurance rates in Cincinnati can be adjusted at any time, so don’t hesitate to change to a new company if a better deal can be had.
Many drivers have brand loyalty and that’s fine, but it isn’t a good idea if that stubbornness costs you hundreds of dollars a year. Now is a great time to shop around and find cheaper auto insurance for handicapped drivers.