Who Has the Cheapest Auto Insurance Rates for Handicapped Drivers in Plano?

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Wouldn't life be so easy if you could just know the single best car insurance company that has the cheapest coverage for handicapped drivers? It's just not that easy, however, as there are a lot of unknowns like if you have ever had a coverage lapse, whether you are single or married, where you live, and if you are a homeowner or renter, that all go into determining the rate you pay. This article covers these things and hopefully give you enough understanding to have a good beginning to your search for cheaper coverage.

For drivers with handicaps, one of the more important factors that are used to help calculate the price you pay for insurance is where your residence is in Plano. More densely populated places tend to pay slightly more, whereas areas that tend to be more rural have the enjoyment of a little cheaper coverage.

The illustration below ranks the most expensive cities in Texas for handicapped drivers to buy an auto insurance policy in. Plano is ranked at #16 with a yearly premium of $1,624 for coverage, which is around $135 each month.

How much is car insurance in Plano?
Rank City Premium Per Year
1 McAllen $1,936
2 Houston $1,909
3 Brownsville $1,851
4 Dallas $1,837
5 Laredo $1,833
6 Pasadena $1,794
7 Amarillo $1,786
8 Garland $1,778
9 Irving $1,772
10 Mesquite $1,771
11 Grand Prairie $1,740
12 Beaumont $1,720
13 Lubbock $1,716
14 San Antonio $1,671
15 Arlington $1,642
16 Plano $1,624
17 Carrollton $1,615
18 Austin $1,610
19 McKinney $1,609
20 Fort Worth $1,604
21 Corpus Christi $1,572
22 El Paso $1,568
23 Abilene $1,561
24 Waco $1,537
25 Killeen $1,518
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Annual rates are approximated as specific Plano zip code can raise or lower insurance rates substantially.

The car, truck, or SUV you are seeking coverage for is one of the biggest factors when comparison shopping for the best car insurance for handicapped drivers. Vehicles with limited top-end speed, a great safety record, or a positive history of liability claims will cost quite a bit less to insure than fast, unsafe models.

The table below shows coverage premiums for some of the most budget-friendly automobiles to buy coverage for.

Cheapest Vehicles to Insure in Plano, TX
Make and Model Estimated Cost for Full Coverage
Ford Escape XLT 4WD $851
Hyundai Elantra SE Touring Station Wagon $904
Jeep Wrangler Rubicon 4WD 2-Dr $931
Honda CR-V EX 4WD $962
Ford Edge SEL 2WD $964
Volkswagen Jetta SE 2.5 Station Wagon $976
Chevrolet Malibu LS $985
Toyota RAV4 Sport 4WD $992
Dodge Grand Caravan Crew $1,003
Toyota Prius $1,013
Honda Odyssey LX $1,032
Chevrolet Equinox LTZ AWD $1,056
Nissan Rogue SL 2WD $1,062
Nissan Altima Hybrid 4-Dr Sedan $1,056
Ford Fusion SEL 4-Dr Sedan $1,066
Dodge Ram 3500 Crew Cab Laramie 2WD $1,100
Ford Explorer Limited 2WD $1,107
Chevrolet Impala LT $1,108
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,132
Ford Focus SES 4-Dr Sedan $1,135
Toyota Corolla S $1,137
Jeep Grand Cherokee SRT-8 4WD $1,159
GMC Sierra SLE Crew Cab 4WD $1,169
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Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Price information does not factor in Plano, TX location which can raise or lower insurance rates greatly.

Based upon these rates, we can infer that makes and models like the Ford Escape, Hyundai Elantra, Jeep Wrangler, Honda CR-V, and Ford Edge are likely to be a few of the most affordable vehicles to insure for drivers with handicaps.

Finding reliable, cheap insurance is not the easiest thing to do, and finding out which companies offer the best insurance rates for handicapped drivers calls for a bit more work. Each auto insurer has a unique approach for determining rates in each state, so to begin we'll rank the insurance companies that tend to have lower prices in Texas.

It's a good idea to be aware that Plano insurance rates are determined by lots of factors that can increase the cost of a policy. Improving your financial situation, moving to a different location, or having an at-fault accident may generate price changes that can now make some companies cheaper than others.

Find the Cheapest Auto Insurance in Texas

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Who has the cheapest car insurance in Texas?
Rank Company Cost Per Year
1 Travelers $1,010
2 USAA $1,117
3 Texas Farm Bureau $1,199
4 Germania Mutual $1,282
5 Esurance $1,365
6 California Casualty $1,382
7 Mercury $1,476
8 State Farm $1,495
9 Nationwide $1,538
10 Safe Auto $1,613
11 Progressive $1,647
12 Allstate $1,701
13 Amica $1,757
14 GEICO $2,093
15 Home State $2,155
16 MetLife $2,161
17 Encompass $2,255
18 Unitrin $2,264
19 21st Century $2,494
20 Titan $2,568
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Travelers offers some of the best car insurance rates in Plano at around $1,010 annually. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also are some of the most economical Plano, TX car insurance companies.

As the rates illustrate above, if you are a policyholder with Esurance and switched to USAA, you could see yearly savings of about $248. Drivers with California Casualty might save as much as $265 a year, and Mercury customers might reduce prices by as much as $359 a year.

To discover how much you can save, click here to start a quote or quote rates from the companies below.

Remember that these prices are averages across all types of insureds and vehicles and do not take into consideration a vehicle location for handicapped drivers. So the auto insurance company that can offer you the best rate may not even be 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.

The information below shows how choosing a deductible can change insurance costs when trying to find cheap insurance for handicapped drivers. The premium estimates are based on a single female driver, full physical damage coverage, and no other discounts are factored in.

A 50-year-old driver could pocket $302 a year by increasing from a $100 deductible to a $500 deductible, or save $456 by using a $1,000 deductible. Even younger drivers, like the Age 20 category, could reduce their rates as much as $766 or even more just by choosing higher deductibles when buying full coverage.

When raising deductibles, it will be important to have emergency funds available to allow you to cover the extra out-of-pocket expense associated with higher deductibles.

Careless driving habits raise Plano insurance rates

In a perfect world, the ideal way to earn low insurance premiums for drivers with handicaps is to drive attentively and have a clean driving record. The information below shows how violations and at-fault fender-benders increase auto insurance costs for each different age category. The data is based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.

In the previous example, the average cost of a car insurance policy in Plano per year with a clean driving record and no accidents is $2,035. Add in two speeding tickets and the average cost increases to $2,805, an increase of $771 each year. Then include one accident along with the two speeding tickets and the annual cost of insurance for handicapped drivers goes up to an average of $3,596. That's an increase of $1,561, or $130 per month, just for not being attentive to the road!

Ending up with the right insurance company can be difficult considering how many different companies there are to choose from in Plano. The rank data below may help you pick which providers to look at buying from. These ratings include the largest companies in the United States, so companies that have a smaller presence are not included in the list.

Best Ten Insurance Companies for Handicapped Drivers in Texas
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
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Data Source: Insure.com Best Car Insurance Companies

What aren't you shopping around?

Plano, TX insurance rates are calculated based on many things which can significantly increase or decrease the price you pay for coverage. Simply improving your credit, marrying your spouse, or getting caught speeding may prompt premium changes that can now make some companies cheaper than competitors.

Not only may your situation change, but auto insurance companies change rates every year or even multiple times each year as an adjustment for underwriting gains or losses. A period of higher than normal claims may result in price increases, while a lower level of claims can result in more affordable Plano car insurance rates.

The graph below analyzes the cheapest car insurance in Plano, TX for a 35-year-old male driver with a good driving record, no prior claims, and a good credit history. If we estimate rates based on his personal risk profile, Travelers has the most affordable car insurance rates in Plano at $1,038 annually. This is $866 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the list of the cheapest Plano, TX auto insurance companies.

The chart below compares rates after we give the driver from the first example a claim surcharge, a lower credit score, and a traffic citation. Since each auto insurance company has a different process for setting rates, getting updated rate quotes will most likely result in a different ranking of cheap Plano auto insurance companies as shown below.

Mercury now has the best auto insurance rate in Plano, TX with State Farm, Safe Auto, Nationwide, and USAA now rounding out the top five. This example demonstrates why it is so important to do a thorough rate comparison when trying to find the lowest auto insurance rates for handicapped drivers. Auto insurance prices are made up of many factors and can increase or decrease at any time, so the most economical option the last time you shopped your coverage around may now be quite expensive.

If you wish to have a little guidance when shopping around for cheaper insurance for drivers with handicaps, the professional agents shown below can probably aid you in deciding which car insurance policy is best. To locate an agency using an interactive map, click the button link following the list or click here to compare prices now.

Best Insurance Agent
4332 Belvedere Dr - Plano, TX 75093 - (972) 398-2697

Matt Lohoefer Insurance
5805 Coit Rd #401 - Plano, TX 75093 - (972) 964-0113

Guest Insurance Agency
903 18th St Ste 124 - Plano, TX 75074 - (972) 424-4209

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