For drivers with handicaps, one of the more important criteria that are looked at to determine the price you pay for insurance is the neighborhood you call home in Detroit. Areas with more people or more claims tend to have higher rates, whereas more rural areas have the luxury of lower rates.
The illustration below ranks the most costly cities in Michigan for handicapped drivers to buy car insurance in. Detroit comes in at #1 with the annual price of $5,009 for car insurance, which is about $417 per month.
|12||St. Clair Shores||$2,736|
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Price information shown is estimated as the specific Detroit residence address can decrease or increase prices significantly.
Trying to buy budget auto insurance is not the easiest thing to do, and figuring out which companies quote the cheapest auto insurance rates for handicapped drivers will involve even more shopping around.
Each auto insurer has their own formula for determining prices, so let’s take a look at the auto insurance companies that tend to be cheaper in Detroit.
Find the Cheapest Car Insurance in Michigan
|Rank||Company||Cost Per Year|
|7||Pioneer State Mutual||$1,488|
|18||Auto Club Group||$2,464|
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USAA has some of the lowest car insurance rates in Detroit at around $978 each year. This is $1,415 less than the average rate paid by Michigan drivers of $2,393. GEICO, Safeco, MetLife, and Chubb are also some of the best Detroit, MI auto insurance companies.
As shown in the table above, if you are insured with MetLife and switched to GEICO, you could earn an annual premium reduction of approximately $277. Policyholders with Chubb could save as much as $353 a year, and MEEMIC insureds might see rate reductions of $403 a year.
Bear in mind that those policy rates are averaged across all drivers and vehicles and are not factoring in a specific zip code for handicapped drivers. So the insurer that can offer you the best rate may not even be in the top 30 companies in the list above. That point stresses why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.
The type of vehicle to be insured is a large consideration in finding the best auto insurance for handicapped drivers. Vehicles with higher performance, a lack of advanced safety features, or a track record of large liability claims will cost quite a bit more to insure than safer models.
The next table illustrates coverage premiums for the more affordable vehicles to buy insurance for.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Honda CR-V EX-L 2WD||$3,659|
|Hyundai Elantra GLS Touring Station Wagon||$3,992|
|Ford Escape XLS 2WD||$3,998|
|Honda Accord LX 4-Dr Sedan||$3,992|
|Ford F-150 XLT Crew Cab 2WD||$4,005|
|Jeep Wrangler Sport 4WD 2-Dr||$4,093|
|Chevrolet Malibu LS||$4,222|
|Dodge Grand Caravan SXT||$4,305|
|Ford Explorer XLT 2WD||$4,467|
|Hyundai Sonata GLS 4-Dr Sedan||$4,522|
|Chevrolet Silverado LTZ Extended Cab 4WD||$4,527|
|Chevrolet Equinox LTZ AWD||$4,533|
|Jeep Grand Cherokee Laredo 2WD||$4,605|
|Toyota RAV4 Limited 4WD||$4,611|
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Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Michigan minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Information does not factor in vehicle garaging location which can raise or lower rates substantially.
Based on these rates, we can expect models like the Honda CR-V, Toyota Prius, Hyundai Elantra, and Ford Escape will be a few of the cheapest vehicles to insure for drivers with handicaps.
Selecting the top insurer can be a challenge considering how many different companies sell coverage in Michigan. The ranking data listed below may help you select which auto insurers you want to consider shopping your coverage with.
These rankings include companies that write coverage in many states, so companies that have a smaller presence will not be included in the list. If you wish to compare prices from these and other top-rated companies, click here.
Top 10 Major Auto Insurers Overall in Detroit
- The Hartford
- State Farm
- Farmers Insurance
- Safeco Insurance
- 21st Century
- Liberty Mutual
- AAA Insurance
Top 10 Major Auto Insurers in Detroit Ranked by Customer Satisfaction
- The Hartford – 93%
- Progressive – 90%
- 21st Century – 89%
- USAA – 87%
- State Farm – 87%
- Safeco Insurance – 86%
- AAA Insurance – 86%
- Farmers Insurance – 85%
- GEICO – 85%
- American Family – 85%
Discounts on Detroit car insurance rates
Insurance companies that offer cheap quotes for handicapped drivers may also offer rate discounts that could reduce prices by as much as 25% or more if you meet certain criteria. A few popular companies and some of the discounts are outlined below.
- GEICO discounts include seat belt use, multi-vehicle, five-year accident-free, anti-lock brakes, and good student.
- MetLife offers discounts for accident-free, defensive driver, claim-free, good student, and multi-policy.
- State Farm may include discounts for Drive Safe & Save, safe vehicle, anti-theft, student away at school, multiple policy, defensive driving training, and multiple autos.
- Progressive offers premium reductions for multi-vehicle, online signing, multi-policy, continuous coverage, and good student.
- Mercury Insurance has discounts for accident-free, professional/association, good driver, multi-car, and location of vehicle.
- 21st Century may offer discounts for air bags, theft prevention, student driver, early bird, anti-lock brakes, defensive driver, and good student.
- Allstate may have discounts that include premier discount, resident student, defensive driver, good payer, multi-policy, and EZ pay plan discount.
The diagram below visualizes the comparison of premium costs with and without some available policy discounts. The premiums assume a male driver, no claims or driving citations, Michigan state minimum liability limits, full coverage, and $500 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with homeowner, accident-free, vehicle safety, marriage, defensive driving course, and multiple vehicle discounts applied. When these discounts are applied, theaverage yearly reduction on auto insurance for handicapped drivers is 28% or $1,229.
How to find economical insurance for handicapped drivers
It is possible to find better rates, and here are many money-saving ideas that can help Detroit drivers find lower-cost car insurance.
- Just one traffic violation will increase your rates
- Save money by bundling your home and auto policies
- Do not get into accidents
- Frequent claims may make car insurance unaffordable
- Buy a car with high safety ratings
- If your vehicles are older, consider dropping full coverage
- Compare rates regularly and switch companies to save money
That last tip is highly crucial, as we discussed in this piece. Car insurance rates in Detroit can change considerably in a year, so don’t be tentative to switch companies if you find a cheaper price.
Brand loyalty is great, but it’s not a good idea if that dedication is costing thousands of dollars over several years. If you have a few minutes, compare prices to find cheaper auto insurance for handicapped drivers.
If you aren’t sure which coverage you need and prefer to have a professional recommendation when comparing insurance rates for handicapped drivers, the agents shown below can aid you in deciding which coverages are best. To locate a Detroit auto insurance agent in your neighborhood, click the button following the list.
- Dave Gilead Insurance Agency
18323 W McNichols Rd – Detroit, MI 48219 – (313) 533-3220
- Detroit L.A. Insurance
13545 W Seven Mile Rd – Detroit, MI 48235 – (313) 340-4444
- Charlotte Knight – State Farm Insurance Agent
7100 W Seven Mile Rd – Detroit, MI 48221 – (313) 340-9000