You have most likely seen the catchy commercials from car insurance companies like Liberty Mutual and Farmers that make claims of huge savings, so drivers should just choose one randomly, right?
It’s not that simple, unfortunately, as there are a whole bunch of unknown aspects such as your date of birth, the safety ratings of your vehicle, and how far you drive each year. The information below covers some of these factors and hopefully give you enough understanding to have a good beginning to your quest for cheaper car insurance in Dallas.
For drivers with handicaps, one of the big considerations that aid in calculating car insurance rates is where your car is garaged. Areas with a lot of weather claims or more people are more likely to pay higher prices, whereas areas that tend to be more rural benefit from lower rates.
The illustration below shows the most expensive areas in Texas for handicapped drivers in which to buy car insurance. Dallas comes in at #3 with the yearly price of $1,911 for car insurance, which is around $159 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | McAllen | $1,936 |
| 2 | Brownsville | $1,927 |
| 3 | Dallas | $1,911 |
| 4 | Houston | $1,853 |
| 5 | Amarillo | $1,840 |
| 6 | Laredo | $1,833 |
| 7 | Grand Prairie | $1,793 |
| 8 | Garland | $1,778 |
| 9 | Beaumont | $1,772 |
| 10 | Pasadena | $1,758 |
| 11 | Mesquite | $1,753 |
| 12 | Irving | $1,736 |
| 13 | Lubbock | $1,733 |
| 14 | Arlington | $1,709 |
| 15 | San Antonio | $1,688 |
| 16 | Austin | $1,659 |
| 17 | Plano | $1,624 |
| 18 | Fort Worth | $1,604 |
| 19 | Carrollton | $1,598 |
| 20 | El Paso | $1,584 |
| 21 | McKinney | $1,577 |
| 22 | Corpus Christi | $1,572 |
| 23 | Abilene | $1,545 |
| 24 | Waco | $1,537 |
| 25 | Killeen | $1,533 |
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Table data uses comparative as the garaging address in Dallas can increase or decrease premiums greatly.
The car, truck, or SUV requiring insurance is probably the biggest factor when comparing quotes for affordable auto insurance for handicapped drivers. Vehicles with higher performance characteristics, a lack of advanced safety features, or a high likelihood of having liability claims will cost significantly more to insure than safer, lower-performance models. The table below showcases car insurance prices for a number of the most cost-effective automobiles to insure.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 2WD | $1,301 |
| Honda CR-V EX-L 4WD | $1,329 |
| Toyota Prius | $1,442 |
| Honda Accord LX 4-Dr Sedan | $1,470 |
| Volkswagen Jetta 2.0T Station Wagon | $1,524 |
| Toyota RAV4 Limited 2WD | $1,540 |
| Toyota Tacoma 4WD | $1,591 |
| Nissan Altima 2.5 S 4-Dr Sedan | $1,622 |
| Toyota Corolla XLE | $1,630 |
| Honda Odyssey EX-L W/Rear Entertainment | $1,622 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,648 |
| Chevrolet Silverado LS Crew Cab 4WD | $1,653 |
| Jeep Grand Cherokee Limited 4WD | $1,660 |
| Ford Fusion SE 4-Dr Sedan | $1,653 |
| Ford Explorer XLT 4WD | $1,655 |
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Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Table data does not factor in garaging location in Dallas, TX which can increase or decrease auto insurance rates considerably.
Based upon the rates shown, vehicles like the Ford Escape, Honda CR-V, Toyota Prius, Honda Accord, and Volkswagen Jetta should be a few of the most economical vehicles to insure for drivers with handicaps.
Discount Dallas insurance
Insurers that offer quotes for handicapped drivers may also offer rate discounts that could lower prices by 25% or more if you can meet the requirements. Larger auto insurance companies and a summarized list of policyholder discounts are:
- State Farm offers premium reductions for Drive Safe & Save, good student, multiple policy, multiple autos, anti-theft, driver’s education, and student away at school.
- Esurance offers discounts including Switch & Save, anti-lock brakes, claim free, paid-in-full, safety device, and defensive driver.
- Progressive has discounts for online quote discount, good student, continuous coverage, multi-vehicle, online signing, and homeowner.
- Liberty Mutual may include discounts for safety features, new graduate, newly married, exclusive group savings, hybrid vehicle, good student, and multi-car.
- Auto-Owners Insurance may have discounts that include paperless, anti-theft, multi-policy, multiple vehicles, paid in full, teen driver, and safe vehicle.
- GEICO discounts include multi-vehicle, federal employee, driver training, membership and employees, military active duty, multi-policy, and five-year accident-free.
The information below shows the comparison of insurance prices with and without some available policy discounts. The premium estimates are based on a male driver, no tickets, no at-fault accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.
The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with anti-theft, accident-free, defensive driving course, claim-free, homeowner, and multiple vehicle discounts applied. When these discounts are applied, the average amount saved on auto insurance for handicapped drivers is 28% or $609.
Insuring your vehicle with the top insurance provider can be a challenge considering how many companies sell coverage in Texas. The company information shown below can help you analyze which car insurance companies to look at when comparing rate quotes. These rankings only include the largest companies in the United States, so companies that only write business in Texas or surrounding areas are not included in this list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
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Data Source: Insure.com Best Car Insurance Companies
Why it’s important to shop around
Dallas auto insurance rates are calculated based on many things which can significantly increase or decrease the policy price. Simply having another birthday, buying a different vehicle, or getting a couple of tickets can trigger price changes that can cause some rates to be more affordable than before. And not only may your rating factors change, but insurance companies amend premium rates as often as every quarter in order to be able to pay unexpected claims. Significantly higher losses can cause price increases, while a lower level of claims may cause lower-cost Dallas car insurance rates.
As an example, the graph below demonstrates which company has the cheapest car insurance in Dallas, TX for a 35-year-old male driver with no violations or accidents, and a good credit history. If we estimate prices based on his current situation, Travelers might quote the cheapest car insurance rates in Dallas at $1,351 per year. This is $553 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also on the list of the most affordable Dallas, TX auto insurance companies.
The next chart shows rates after we give the driver in the first example some claims, a lower credit rating, and a traffic ticket or two. Due to the fact that every insurance company uses a different method for establishing rates, getting updated rate quotes could result in a different set of affordable Dallas car insurance companies as shown below.
Mercury now has the cheapest auto insurance in Dallas, TX with USAA, State Farm, Safe Auto, and Nationwide now rounding out the top five. This illustrates why drivers need to shop around with many companies when trying to get affordable car insurance quotes for handicapped drivers.
Auto insurance prices are calculated by many things and change dramatically, so the lowest-price company three years ago may now be costing you a lot of money.