What Auto Insurance is Cheapest for Handicapped Drivers in Tampa?

You have probably watched the captivating commercials from car insurance companies like Nationwide and Allstate claiming enormous savings, so drivers just need to pick one at random, right?

That is not the case, however, as there are a whole bunch of unknown elements like if you own your own home, the amount of coverage you want, the performance level of your vehicle, and the area you live in, that all impact the cost of your policy. This article will detail the different ways you can keep rates low and will hopefully give the reader a good beginning to your quest for cheaper car insurance.

The vehicle requiring coverage is one of the primary factors in finding the best coverage for handicapped drivers. Vehicles with average performance, a great safety record, or a low likelihood of having liability claims will cost much less to insure than adrenaline junky models.

The next list illustrates car insurance premiums for a handful of the most cost-effective automobiles to insure in Florida.

Cheapest Vehicles to Insure in Tampa, FL
Make, Model, and Trim Level Estimated Cost for Full Coverage
Ford Escape XLS 2WD $2,206
Honda Accord LX-P 4-Dr Sedan $2,280
Honda CR-V EX-L 2WD $2,341
Chevrolet Impala LT $2,392
Hyundai Elantra SE Touring Station Wagon $2,402
Dodge Grand Caravan CV $2,472
Ford F-150 STX Regular Cab 4WD $2,479
Jeep Wrangler Rubicon 4WD 2-Dr $2,472
Toyota Prius $2,524
Nissan Rogue S AWD $2,562
Ford F-250 XL 2WD $2,568
Ford Edge Limited 2WD $2,565
Toyota Corolla XRS $2,574
Hyundai Sonata SE 4-Dr Sedan $2,690
Ford Focus SE 2-Dr Coupe $2,699
Toyota RAV4 Limited 4WD $2,696
Ford Fusion Sport AWD 4-Dr Sedan $2,738
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $2,754
Ford Explorer Limited 2WD $2,762
Honda Odyssey EX-L W/Rear Entertainment $2,761
Honda Civic LX-S 4-Dr Sedan $2,768
Toyota Camry SE $2,761
Dodge Ram Quad Cab ST 2WD $2,767
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Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Rate information does not factor in zip code location which can lower or raise insurance rates significantly.

Based on these rates, we can expect cars like the Ford Escape, Honda Accord, Honda CR-V, and Chevrolet Impala will definitely be a few of the most budget-friendly vehicles to insure for drivers with handicaps.

One of the more important considerations that help determine insurance cost is where your residence is. Cities with larger populations or higher claim trends tend to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates tend to receive slightly lower rates.

The following table sorts the most expensive cities in Florida for handicapped drivers in which to buy car insurance. Tampa shows up at #7 with the yearly price of $2,610 for the average insurance policy, which is approximately $218 monthly.

How much does car insurance cost in Tampa, FL?
Rank City Premium Per Year
1 Hialeah $3,523
2 Miami $3,273
3 Miami Gardens $3,181
4 Miami Beach $3,013
5 West Palm Beach $2,679
6 Miramar $2,629
7 Tampa $2,610
8 Hollywood $2,604
9 Davie $2,523
10 Pompano Beach $2,518
11 Fort Lauderdale $2,500
12 Coral Springs $2,499
13 Pembroke Pines $2,431
14 Brandon $2,298
15 Clearwater $2,260
16 St. Petersburg $2,196
17 Orlando $2,090
18 Spring Hill $2,039
19 Jacksonville $1,980
20 Port St. Lucie $1,935
21 Cape Coral $1,898
22 Lakeland $1,845
23 Tallahassee $1,784
24 Palm Bay $1,733
25 Gainesville $1,646
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Table data uses estimated as zip code location can increase or decrease rates greatly.

Discount Tampa car insurance rates

Save on insurance for drivers with handicaps in TampaInsurance providers that offer coverage for handicapped drivers may also offer discounts that may potentially lower prices by as much as 35% or more if you are eligible to receive them. Larger insurance companies and a partial list of their discounts can be found below.

The example below shows the comparison of car insurance costs with and without discounts. The prices are based on a male driver, no violations or accidents, Florida state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.

The first bar for each age group shows premium with no discounts. The lower bar shows the rates with multiple policy, defensive driving course, multiple vehicle, accident-free, homeowner, and claim-free discounts applied. When discounts are factored in, theaverage amount saved on insurance for handicapped drivers is 28% or $486.

Drive responsibly or pay higher rates

The best way to find cheap insurance premiums for drivers with handicaps is to be a safe driver and avoid accidents and keep your driving record clean. The chart below shows how traffic citations and at-fault claims raise insurance prices for each different age category. The rates are based on a single female driver, comp and collision included, $100 deductibles, and no other discounts are factored in.

In the prior example, the average cost of an auto insurance policy in Tampa per year with no accidents or violations is $3,082. Receive one speeding ticket and the average cost swells to $3,491, an increase of $409 each year. Now add in two accidents along with the one speeding ticket and the annual cost of insurance for handicapped drivers increases to an average of $6,934. That’s an increase of $3,852, or $321 per month, just for not driving attentively!

Full coverage rates compared to liability only

Paying a lower price for insurance is the goal of most drivers, and an easy way to find cheaper insurance for handicapped drivers is to not insure for full coverage. The illustration below illustrates the difference between car insurance costs with and without physical damage coverage. The price estimates are based on a clean driving record, no at-fault accidents, $1,000 deductibles, single status, and no additional discounts are factored in.

Averaged for all ages 20 through 70, comp and collision coverage costs $1,747 per year more than insuring for liability only. At some point, about every driver wonders if it’s a good idea to buy full coverage. There is no definitive rule of when to stop paying for physical damage insurance, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is 10% or more of replacement cost minus your deductible, then you may need to consider dropping full coverage.

Tips for buying cheaper insurance for handicapped drivers

It’s not impossible to find cheaper rates, and here are some of the recommended thrifty solutions that can help you get lower-cost auto insurance.

The last tip in the list is extremely vital, as we noted in the prior information. Car insurance rates can change in a short period of time, so don’t be tentative to switch carriers if a lower price can be found.

Being loyal to a particular company is commendable, but we do not recommend it if that devotion results in you overpaying a small fortune year after year. Now is a great time to shop around and find cheaper car insurance for handicapped drivers in Tampa.