The car, truck, or SUV you are seeking coverage for is one of the primary factors when looking for the best cheap car insurance for handicapped drivers. Vehicles with limited speed and performance, excellent safety ratings, or low incidents of liability claims will cost less to insure than high performance models. The table below ranks auto insurance premiums for a selection of the cheapest vehicles to insure in Maryland.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $2,309 |
| Honda CR-V EX 4WD | $2,360 |
| Nissan Altima 2.5 4-Dr Sedan | $2,733 |
| Ford F-150 XLT Crew Cab 4WD | $2,788 |
| Ford Explorer Limited AWD | $2,794 |
| Ford Focus SES 4-Dr Sedan | $2,826 |
| Ford Escape Limited 4WD | $2,871 |
| Ford Edge Sport 2WD | $2,878 |
| Toyota Prius | $2,930 |
| Nissan Rogue SL 2WD | $2,937 |
| Jeep Grand Cherokee Limited 2WD | $2,933 |
| Dodge Grand Caravan CV | $2,968 |
| Chevrolet Silverado 3500HD LT Crew Cab 2WD | $2,985 |
| Hyundai Sonata SE 4-Dr Sedan | $3,075 |
| Toyota RAV4 2WD | $3,133 |
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Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Maryland minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Premium costs do not factor in garaging location in Baltimore, MD which can impact auto insurance rates noticeably.
Based on these rates, models like the Hyundai Elantra, Honda CR-V, Nissan Altima, and Ford F-150 will be some of the most budget-friendly vehicles to insure for drivers with handicaps.
For drivers with handicaps, one of the more important components that help determine insurance cost is where your residence is in Baltimore. Regions with more people or even just more weather-related claims will most likely have higher rates, whereas less populated areas have the benefit of cheaper car insurance.
The next table ranks the highest-priced areas in Maryland for handicapped drivers to buy an auto insurance policy in. Baltimore comes in at #1 with a yearly premium of $1,742 for the average insurance policy, which is around $145 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Baltimore | $1,742 |
| 2 | Woodlawn | $1,625 |
| 3 | Dundalk | $1,505 |
| 4 | Catonsville | $1,475 |
| 5 | Towson | $1,467 |
| 6 | Aspen Hill | $1,463 |
| 7 | Silver Spring | $1,460 |
| 8 | Bowie | $1,432 |
| 9 | Essex | $1,431 |
| 10 | Waldorf | $1,431 |
| 11 | Glen Burnie | $1,383 |
| 12 | Wheaton | $1,335 |
| 13 | Gaithersburg | $1,304 |
| 14 | Severn | $1,288 |
| 15 | Potomac | $1,274 |
| 16 | Annapolis | $1,255 |
| 17 | Rockville | $1,251 |
| 18 | Ellicott City | $1,245 |
| 19 | Bethesda | $1,239 |
| 20 | Columbia | $1,238 |
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Annual rates are comparative as the specific garaging location can revise coverage rates greatly.
Finding out which companies offer the most affordable insurance rates for handicapped drivers will involve more work in order to find coverage that fits your budget.
Every insurance company uses their own method for setting rates, so we’ll go over the overall cheapest insurance companies in Baltimore. We do need to point out that Baltimore, MD insurance rates are calculated based on many things that can increase the price of coverage. Simply improving your credit, becoming a homeowner, or getting a driving violation can trigger price changes that may make certain companies cheaper than competitors.
Cheap Insurance Rates in Maryland
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $948 |
| 2 | Liberty Mutual | $1,092 |
| 3 | Penn National | $1,104 |
| 4 | Erie | $1,161 |
| 5 | State Auto | $1,226 |
| 6 | Amica | $1,295 |
| 7 | MetLife | $1,414 |
| 8 | Nationwide | $1,421 |
| 9 | GEICO | $1,428 |
| 10 | Travelers | $1,440 |
| 11 | California Casualty | $1,529 |
| 12 | State Farm | $1,630 |
| 13 | Allstate | $1,645 |
| 14 | Progressive | $2,128 |
| 15 | Encompass | $2,490 |
| 16 | Victoria | $2,933 |
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USAA normally has some of the best car insurance rates in Baltimore at around $948 annually. Liberty Mutual, Penn National, Erie, and State Auto would also make the list of some of the most economical Baltimore, MD auto insurance companies.
As depicted above, if you are currently insured with Erie and switched to USAA, you may realize a yearly price reduction of roughly $213. Customers with State Auto may save as much as $278 a year, and Amica insureds might lower prices by $347 a year.
To find the cheapest rates for your vehicle, click here to get a free quote or click through to the companies below.
Be aware that those rates are averaged across all drivers and vehicles in Maryland and and are not figured with an exact location for handicapped drivers. So the auto insurance company that fits you best may not even be in the top 16 companies shown above. That is why you need to compare prices as often as possible using your own specific driver and vehicle information.
Accidents and violations increase rates
The recommended way to enjoy the best insurance prices in Maryland for drivers with handicaps is to be a careful driver and not have accidents or get tickets. The example below illustrates how violations and at-fault accidents can drive up insurance costs for different categories of driver ages. The premiums are based on a married female driver, full coverage, $1,000 deductibles, and no discounts are applied.
The data above shows the average cost of auto insurance per year with no violations or accidents is $1,731. Factor in one speeding ticket and the average cost rises to $2,026, an increase of $295 each year. Now include two accidents along with the one speeding ticket and the yearly cost of insurance for handicapped drivers goes up to an average of $4,797. That’s an increase of $3,065, or $255 per month, just for not being more responsible behind the wheel!
The chart below shows how choosing a deductible can raise or lower yearly insurance costs when getting quotes for cheap insurance for handicapped drivers. The premium estimates are based on a married female driver, full coverage, and no discounts are factored in.
The chart above illustrates that a 30-year-old driver could reduce rates by $436 a year by switching from a $100 deductible up to a $500 deductible, or save $656 by selecting a $1,000 deductible. Even younger insureds, like the 20-year-old example, have the ability to save up to $928 each year by choosing a higher deductible.
If you do raise deductibles, it is a good idea to have enough funds in savings to enable you to cover the extra out-of-pocket expense that is associated with using high deductibles.
Does it make sense to buy full coverage?
Paying less for insurance is probably important to the majority of people, and a good way to pay lower rates for insurance for handicapped drivers is to buy only liability coverage. The example below shows the comparison of insurance costs with and without physical damage coverage. The information is based on no violations or claims, $100 deductibles, single marital status, and no discounts are applied to the premium.
As an overall average, physical damage coverage costs $2,587 per year more than just buying liability only. A very common question is if it’s a good idea to buy full coverage. There is no exact formula to stop paying for comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.
For example, let’s assume your vehicle’s claim settlement value is $5,500 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $4,500 after paying your deductible. If premiums are more than $450 annually for physical damage coverage, then it could be time to drop full coverage.
There are some scenarios where removing full coverage is not recommended. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should not opt for liability only.
Why are you paying too much for Baltimore car insurance?
Baltimore insurance rates are influenced by many factors that will increase or decrease the price of coverage. Getting older, filing a claim, or having an accident can produce rate changes that can now make some companies cheaper than competitors.
And not only may your rating factors change, but insurance companies change the rates they charge in Maryland without warning in order to offset underwriting gains or losses. A period of increased losses may cause higher priced premiums, while profitable underwriting can produce cheaper Baltimore car insurance rates.
To illustrate this point, the chart below demonstrates which company has the cheapest car insurance in Baltimore, MD for a 30-year-old male driver with no accidents or violations, and a high credit rating. When quoting prices based on his personal risk profile, USAA may offer the cheapest car insurance rates in Baltimore at $1,636 per year. This is $77 more than the average premium paid by Maryland drivers of $1,559. Liberty Mutual, Penn National, Erie, and State Auto are also on the list of the most affordable Baltimore, MD auto insurance companies.
Now we will pretend the driver from the first rate comparison an accident claim, slightly worse credit, and an imperfect driving record. Since every insurance provider has a unique approach for setting prices, analyzing rates may result in a different list of the cheapest companies as shown below.
Travelers now has the cheapest rate in Baltimore with MetLife, Nationwide, GEICO, and California Casualty completing the list. This example illustrates why Maryland drivers need to do a thorough rate comparison when trying to find the lowest car insurance rates for handicapped drivers.
Insurance prices are impacted by many different factors and can change without notice, so the best price the last time you shopped around may now be one of the higher cost companies.