Who Has Cheap Auto Insurance Rates for Handicapped Drivers in Miami?

In a perfect world, we could simply give you the name of the one auto insurance company that has the rock bottom lowest rates in Florida. It’s not that easy, however, as there are a lot of unknown elements like what level of deductibles you wish to have, the annual mileage you drive, and if you are married or single, that all influence how much you pay for auto insurance. This article will detail these topics and educate you enough to have a good beginning to your quest for cheaper car insurance.

Comparing quotes for low-priced car insurance is hard enough, and figuring out which company quotes the best insurance rates for handicapped drivers requires even more perseverance.

Each insurer uses slightly different criteria for filing rates in each state, so let’s rank the most affordable insurance companies in Miami, FL.

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Cheapest Florida auto insurance companies
Rank Company Cost Per Year
1 USAA $977
2 Electric $1,694
3 Amica $1,764
4 Progressive $1,847
5 Travelers $1,888
6 Mercury $1,914
7 Allied $1,985
8 Esurance $2,020
9 State Farm $2,110
10 Auto-Owners $2,149
11 GEICO $2,150
12 21st Century $2,373
13 Allstate $2,388
14 Windhaven Insurance $2,549
15 MetLife $2,870
16 Hanover $2,964
17 Safeco $3,016
18 Liberty Mutual $3,039
19 United Automobile $3,422
20 Direct General $3,902
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USAA normally has some of the most affordable car insurance rates in Miami at around $977 per year. Electric, Amica, Progressive, and Travelers also qualify as some of the most economical Miami, FL car insurance companies.

As shown in the table above, if you are insured with Electric and switched to USAA, you might realize annual savings of in the vicinity of $717. Insureds with Amica might save as much as $787 a year, and Progressive policyholders might reduce prices by as much as $870 a year.

To get a quick, customized rate comparison, click here to get quotes or visit several of the following companies.

Be aware that those estimates are averages across all types of drivers and the different vehicles they drive and are not factoring in a specific vehicle garaging location for handicapped drivers. So the company that can offer the best rates for your situation may not even be in the list above. That helps illustrate why you need to get rate quotes from many companies using your own personal information and vehicle type.

For drivers with handicaps, one of the more important factors that are looked at to determine the cost of insurance is where you call home. Cities with larger populations or higher claim trends tend to pay slightly more, whereas areas with lower vehicle theft rates and fewer weather claims can boast about having cheaper rates.

The next table shows the most expensive cities in Florida for handicapped drivers to purchase a policy in. Miami shows up at #3 with an annual cost of $3,145 for the average policy, which is about $262 per month.

How much is car insurance in Miami?
Rank City Annual Premium
1 Hialeah $3,595
2 Miami Gardens $3,277
3 Miami $3,145
4 Miami Beach $2,953
5 Miramar $2,629
6 Pompano Beach $2,620
7 West Palm Beach $2,599
8 Fort Lauderdale $2,550
9 Davie $2,548
10 Tampa $2,532
11 Hollywood $2,526
12 Coral Springs $2,474
13 Pembroke Pines $2,431
14 Brandon $2,368
15 St. Petersburg $2,219
16 Clearwater $2,172
17 Spring Hill $2,123
18 Orlando $2,008
19 Jacksonville $1,980
20 Port St. Lucie $1,975
21 Cape Coral $1,917
22 Lakeland $1,845
23 Palm Bay $1,803
24 Tallahassee $1,731
25 Gainesville $1,680
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Prices are estimated as vehicle location can influence insurance rates substantially.

The vehicle requiring insurance is one of the primary factors when shopping for the best coverage for handicapped drivers. Vehicles with more horsepower, poor safety ratings, or a track record of large liability claims will cost significantly more to insure than more economical and safe models. The next table showcases car insurance premiums for some of the most economical automobiles to insure in Florida.

Cheapest Vehicles to Insure in Miami, FL
Make and Model Estimated Cost for Full Coverage
Hyundai Elantra GLS Touring Station Wagon $2,759
Ford Explorer XLT 2WD $3,093
Honda CR-V LX 4WD $3,115
Ford Escape XLS 2WD $3,125
Ford Focus SE 4-Dr Sedan $3,209
Dodge Grand Caravan Hero $3,269
Ford Edge SE 2WD $3,310
Toyota Prius $3,358
Honda Civic EX 4-Dr Sedan $3,385
Honda Odyssey EX-L W/Navigation $3,445
Toyota Corolla LE $3,453
Nissan Rogue SL 2WD $3,501
Nissan Altima 3.5 SR 4-Dr Sedan $3,508
Ford Fusion Sport 4-Dr Sedan $3,513
GMC Sierra SLE Regular Cab 2WD $3,576
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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 multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Rates do not factor in zip code location which can influence price quotes noticeably.

Looking at the rates, we can assume that makes and models like the Hyundai Elantra, Ford Explorer, and Honda CR-V are likely to be some of the most budget-friendly vehicles to insure for drivers with handicaps.

Responsible drivers pay cheaper Miami insurance rates

The obvious way to snag the cheapest insurance rates in Miami for drivers with handicaps is to be a safe driver and avoid traffic citations and accidents. The chart below highlights how traffic violations and accident claims raise insurance rates for different age categories. The information is based on a married male driver, full coverage, $100 deductibles, and no additional discounts are factored in.

The data above shows the average cost of an auto insurance policy in Florida per year with a clean driving record and no accidents is $2,039. Receive two speeding tickets and the average cost hikes up to $2,821, an increase of $783 each year. Next add one accident along with the two speeding tickets and the annual cost of insurance for handicapped drivers goes up to an average of $3,604. That’s an increase of $1,565, or $130 per month, just for not keeping your driving record clean!

Types of discounts on Miami insurance rates

Discounts on insurance for handicapped driversInsurance companies that provide policies for handicapped drivers could also offer price discounts that can lower rates by as much as 30% if you are eligible for them. Large insurance companies and their offered discounts can be found below.

The example below illustrates the comparison of insurance prices with and without policy discounts. Data assumes a female driver, no claims or driving violations, Florida state minimum liability limits, full physical damage coverage, and $500 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second shows the rates with homeowner, safe-driver, defensive driving course, accident-free, passive restraint, and vehicle safety discounts applied. When discounts are applied, the average savings per year on insurance for handicapped drivers is 28% or $698.

The diagram below demonstrates how deductibles can raise or lower yearly insurance costs when researching cheap insurance for handicapped drivers. The data is based on a married female driver, comprehensive and collision coverage, and no discounts are factored in.

As shown above, a 50-year-old driver could lower rates by $340 a year by switching from a $100 deductible up to a $500 deductible, or save $514 by changing to a $1,000 deductible. Younger drivers, such as the 20-year-old example, could shave up to $848 annually by choosing larger deductibles on their policy.

When choosing a higher deductible, it is necessary to have spare funds to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

The Miami, FL, insurance agents below can probably help you make a decision which coverages you need, as some drivers wish to get some professional input when comparing insurance rates for drivers with handicaps. It can be time-consuming to find the cheapest rates, so a licensed agent can bring comfort knowing you have enough coverage if you have a claim.

To find a Miami insurance agent in your neighborhood, click the button at the bottom or click here to compare rates now.

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