What Car Insurance is Cheapest for Handicapped Drivers in Indianapolis?

You’ve seen the commercials from insurers like Progressive, Nationwide, and The General that promise enormous savings, so drivers just need to choose one randomly, right?

It’s just not that simple, as there are a lot of unknown aspects such as if you want the added protection of full coverage, if you are a homeowner or renter, and your credit rating. The information below covers these things and will hopefully give you a solid foundation to find cheaper car insurance in Indiana.

For drivers with handicaps, one of the more important components that help determine insurance cost is where you live. Areas with high crime rates or more dense population tend to have higher auto insurance costs, whereas less populated areas tend to receive slightly lower rates.

The table below sorts the most expensive cities in Indiana for handicapped drivers in which to buy car insurance. Indianapolis ranks #8 with an annual rate of $1,060 for the average insurance policy, which is about $88 monthly.

How much does car insurance cost in Indianapolis, IN?
Rank City Annual Rate
1 Gary $1,388
2 Hammond $1,314
3 Merrillville $1,139
4 Portage $1,104
5 Jeffersonville $1,080
6 Terre Haute $1,077
7 Lawrence $1,066
8 Indianapolis $1,060
9 New Albany $1,059
10 Evansville $1,055
11 Anderson $1,041
12 Kokomo $1,031
13 Bloomington $998
14 Fishers $983
15 Columbus $975
16 Elkhart $965
17 Noblesville $958
18 Fort Wayne $956
19 South Bend $947
20 Mishawaka $945
21 Richmond $944
22 Greenwood $941
23 Muncie $937
24 Carmel $929
25 Lafayette $926
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Price information shown is approximated as zip code location can influence coverage prices noticeably.

Deciphering which company offers the lowest-priced auto insurance rates for handicapped drivers will involve a tad more effort in order to find the most economical policy. Each company uses their own method for determining rates in each state, so we need to take a look at the auto insurance companies with the most affordable rates in Indianapolis.

Keep in mind that Indiana auto insurance rates are influenced by many factors that will increase or decrease the cost of having a policy. Simply getting older, buying a different home, or getting into an accident can trigger changes in premium that may make certain companies much cheaper than others.

Lowest Insurance Price Quotes in Indiana

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Rankings for the cheapest car insurance companies in Indiana
Rank Company Cost Per Year
1 Travelers $602
2 Cincinnati Insurance $658
3 USAA $687
4 Erie $712
5 Indiana Farmers Mutual $849
6 Western Reserve $864
7 The Hartford $881
8 Auto-Owners $888
9 Nationwide $940
10 Motorists Mutual $956
11 Utica National $995
12 State Farm $997
13 Hastings Mutual $1,013
14 Safeco $1,013
15 Wolverine Mutual $1,061
16 Farmers $1,064
17 Westfield $1,094
18 GEICO $1,122
19 State Auto $1,131
20 Progressive $1,139
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Travelers may have some of the lowest car insurance rates in Indianapolis at around $602 a year. Cincinnati Insurance, USAA, Erie, and Indiana Farmers Mutual also make the cut as some of the cheapest Indianapolis, IN auto insurance companies.

As depicted above, if you currently buy coverage from Cincinnati Insurance and switched to Travelers, you could earn an annual premium reduction of about $56. Drivers with USAA could save as much as $85 a year, and Erie customers might lower prices by up to $110 a year.

It’s important to note that these policy prices are averages for all insureds and vehicles and are not factoring in an exact zip code location for handicapped drivers. So the insurer that can offer you the lowest price may not even be in the list above. That’s why you need to quote rates from many companies using your own individual information.

The type of vehicle needing coverage is a significant factor when consumers are trying to find the lowest-priced coverage for handicapped drivers. Vehicles with lower performance, good safety features, or a positive history of liability claims will cost much less to insure than fast, unsafe models.

The data below features insurance rates for some of the cheaper automobiles to buy insurance for.

Cheapest Vehicles to Insure in Indianapolis, IN
Insured Vehicle Estimated Cost for Full Coverage
Honda CR-V EX 2WD $1,147
Volkswagen Jetta S 2.5 Station Wagon $1,241
Ford F-150 XLT Crew Cab 2WD $1,285
Ford Focus SE 4-Dr Sedan $1,331
Toyota RAV4 Limited 2WD $1,356
Dodge Grand Caravan Hero $1,363
Chevrolet Silverado LS Regular Cab 2WD $1,358
Honda Civic EX 4-Dr Sedan $1,402
Ford Escape Limited 2WD $1,441
Toyota Prius $1,450
Jeep Grand Cherokee Limited 2WD $1,453
Jeep Wrangler Rubicon 4WD 2-Dr $1,472
Chevrolet Impala LS $1,526
Ford Edge SE 2WD $1,540
Chevrolet Silverado 2500HD LT Crew Cab Diesel 4WD $1,550
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Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Rate information does not factor in the specific area where the vehicle is garaged which can alter prices noticeably.

Looking at the data, you can conclude that cars like the Honda CR-V, Volkswagen Jetta, Ford F-150, Ford Focus, and Toyota RAV4 are most likely going to be a few of the most budget-friendly vehicles to insure for drivers with handicaps.

Selecting the best auto insurance company can be difficult considering how many companies sell coverage in Indiana. The ranking data shown below could help you decide which providers you want to consider shopping prices with.

These rankings are only made up of companies that insure vehicles nationwide, so companies with more of a regional focus are not factored into this list. To check rates and find cheaper insurance for handicapped drivers, click here.

Top 10 Major Auto Insurers Overall in Indianapolis

  1. USAA
  2. 21st Century
  3. GEICO
  4. Nationwide
  5. AAA Insurance
  6. Liberty Mutual
  7. Safeco Insurance
  8. State Farm
  9. Travelers
  10. American Family

Top 10 Major Auto Insurers in Indianapolis Ranked by Customer Satisfaction

  1. USAA – 92%
  2. Erie Insurance – 88%
  3. American Family – 88%
  4. State Farm – 88%
  5. Nationwide – 88%
  6. 21st Century – 88%
  7. AAA Insurance – 87%
  8. Liberty Mutual – 87%
  9. Farmers Insurance – 87%
  10. The Hartford – 87%

Auto insurance rates are higher with tickets and accidents

The best way to maintain the best auto insurance premiums in Indianapolis for drivers with handicaps is to drive attentively and avoid accidents and traffic violations. The diagram below illustrates how traffic citations and at-fault collisions can increase yearly insurance costs for each different age group. The costs are based on a single female driver, full coverage, $500 deductibles, and no additional discounts are factored in.

In the previous example, the average cost of a car insurance policy in Indiana per year with a clean driving record and no accidents is $1,686. Factor in one speeding ticket and the average cost surges to $1,910, an increase of $225 each year. Then add two accidents along with the one speeding ticket and the yearly cost of auto insurance for handicapped drivers increases to an average of $3,953. That’s an increase of $2,268, or $189 per month, just for being a less-than-perfect driver!

Get discount Indianapolis auto insurance rates

Auto insurance for drivers with handicaps in Indianapolis, INInsurance companies that offer quotes for handicapped drivers could also offer discounts that can lower rates by as much as 25% or more if you meet certain criteria. Larger auto insurance companies and a selection of discounts can be read below.

The example below shows the difference between insurance premiums with and without discounts applied to the policy rates. The rates are based on a male driver, no claims or driving violations, Indiana state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with passive restraint, defensive driving course, marriage, multiple vehicle, vehicle safety, and claim-free discounts applied. When these discounts are applied to the policy premium, theamount saved on auto insurance for handicapped drivers is 28% or $407.

How to find budget-friendly insurance for handicapped drivers

The list below details some of the better money-saving solutions that can help you buy more affordable car insurance.

That last piece of advice is extraordinarily necessary, as was emphasized in this write-up. Rates in Indianapolis adjust frequently, so drivers shouldn’t hesitate to switch companies if you can find a cheaper rate. Having brand loyalty is commendable, but we do not recommend it if that inflexibility results in costing you lots of money. In just a couple of minutes you could compare rates and find cheaper auto insurance for handicapped drivers.

If you aren’t sure which coverage to buy and prefer to get help from a professional when comparing insurance rates for drivers with handicaps, the agencies below are a good start to help you decide which insurance coverage will be best for you. To find an Indianapolis insurance agent using an interactive map, click the button after the list or click here to compare price quotes now.

View map of Indianapolis, IN insurance agents