Who Has the Cheapest Auto Insurance Quotes for Handicapped Drivers in San Jose?

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One of the more important considerations that are used to help calculate the cost of insurance is where your residence is in San Jose. Areas with a lot of weather claims or more people tend to pay slightly more, whereas areas with less congestion benefit from lower coverage costs.

The illustration below rates the most expensive cities in California for handicapped drivers in which to purchase auto insurance. San Jose is ranked #18 having an annual price of $1,437 for the average insurance policy, which is about $120 each month.

How much is auto insurance in San Jose, CA?
Rank City Premium Per Year
1 Los Angeles $2,104
2 Glendale $2,058
3 Oakland $1,755
4 Sacramento $1,703
5 San Francisco $1,693
6 San Bernardino $1,628
7 Stockton $1,603
8 Santa Clarita $1,595
9 Long Beach $1,578
10 Moreno Valley $1,536
11 Fontana $1,535
12 Garden Grove $1,524
13 Riverside $1,497
14 Modesto $1,487
15 Anaheim $1,474
16 Fresno $1,472
17 Santa Ana $1,439
18 San Jose $1,437
19 Huntington Beach $1,416
20 Fremont $1,389
21 Irvine $1,371
22 Oxnard $1,358
23 Bakersfield $1,353
24 San Diego $1,340
25 Chula Vista $1,311
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Price information shown is estimated as the specific zip code location can influence auto insurance rates significantly.

Comparing rates for low-priced insurance is not most people's favorite thing to do, and determining which insurers offer the best car insurance rates for handicapped drivers will involve even more work.

Each insurance company has a proprietary method for determining rates in each state, so first let's look at the rankings for the car insurance companies with the overall cheapest rates in San Jose.

Cheapest Insurance Rates in California

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Cheapest California car insurance ranked by price
Rank Company Cost Per Year
1 USAA $1,109
2 CSAA $1,186
3 Wawanesa $1,192
4 Century National $1,214
5 Nationwide $1,226
6 21st Century $1,379
7 Grange $1,491
8 Progressive $1,496
9 Allstate $1,513
10 GEICO $1,529
11 Mercury $1,533
12 Allied $1,541
13 MetLife $1,590
14 The Hartford $1,623
15 Unitrin $1,682
16 State Farm $1,733
17 Esurance $1,756
18 Bristol West $1,831
19 Travelers $1,842
20 Farmers $1,946
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USAA has some of the most affordable car insurance rates in San Jose at around $1,109 each year. This is $542 less than the average premium paid by California drivers of $1,651. CSAA, Wawanesa, Century National, and Nationwide also are some of the cheapest San Jose, CA auto insurance companies.

In this example, if you currently buy coverage from CSAA and switched to USAA, you may realize yearly savings of approximately $77. Policyholders with Wawanesa may save as much as $83 a year, and Century National policyholders might see rate reductions of $105 a year.

To get a fast rate comparison, click here to start a quote or quote prices from the following companies.

Bear in mind that those estimates are averaged across all types of drivers and the different vehicles they drive and and are not figured with a specific location for handicapped drivers. So the car insurance company that has the cheapest price for you may not even be in the list above. That emphasizes why you need to quote rates from many companies using your own driver information and specific vehicle type.

The vehicle that is being insured is a large consideration when comparison shopping for cheap insurance for handicapped drivers. Vehicles with economical engines, good crash test ratings, or a low likelihood of having liability claims will cost less to insure than fast, unsafe models. The information below features insurance prices for a handful of the most budget-friendly automobiles to buy insurance for.

Cheapest Vehicles to Insure in San Jose, CA
Insured Vehicle Estimated Cost for Full Coverage
Honda CR-V EX 4WD $876
Ford Escape XLS 4WD $966
Honda Odyssey EX W/Rear Entertainment $995
Ford Focus SE 4-Dr Sedan $1,005
Ford Explorer Limited 4WD $1,035
Toyota Tacoma Double Cab 4WD $1,043
Toyota Prius $1,043
Honda Accord EX-L 4-Dr Sedan $1,045
Nissan Altima 2.5 S 4-Dr Sedan $1,071
Chevrolet Impala LS $1,087
Chevrolet Malibu LTZ $1,089
GMC Sierra 2500HD SLE Extended Cab 4WD $1,096
Ford Edge Limited 2WD $1,119
Nissan Rogue SL AWD $1,144
Toyota RAV4 Limited 4WD $1,154
Chevrolet Equinox LS AWD $1,144
Toyota Camry Hybrid $1,162
Dodge Grand Caravan SXT $1,169
Honda Civic EX 4-Dr Sedan $1,171
Toyota Corolla S $1,173
Jeep Grand Cherokee Limited 2WD $1,194
GMC Sierra SLT Extended Cab 2WD $1,199
Hyundai Elantra GLS 4-Dr Sedan $1,196
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Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Prices do not factor in San Jose, CA location which can influence auto insurance rates considerably.

Based upon the table data, you can presume that cars like the Honda CR-V, Ford Escape, Honda Odyssey, Ford Focus, and Ford Explorer are most likely going to be a few of the most economical vehicles to insure for drivers with handicaps.

How to get discounts on San Jose insurance rates

Cheaper San Jose, CA car insurance for drivers with handicapsCar insurance companies that offer quotes for handicapped drivers may also offer premium discounts that may potentially lower prices by 35% or more if you qualify for them. Larger car insurance companies and some of the discounts are outlined below.

The diagram below illustrates the comparison of auto insurance rates with and without discounts being applied to the rates. Data assumes a female driver, a clean driving record, no claims, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with accident-free, multiple vehicle, safe-driver, claim-free, anti-theft, and passive restraint discounts applied. When discounts are factored in, theaverage yearly reduction on car insurance for handicapped drivers is 28% or $493.

The illustration below shows how choosing a deductible can raise or lower insurance prices when searching for cheap insurance for handicapped drivers. The premiums assume a married female driver, comp and collision included, and no discounts are applied.

As shown above, a 30-year-old driver could cut expenses by $350 a year by changing from a $100 deductible to a $500 deductible, or save $530 by using a $1,000 deductible. Younger drivers, such as the 20-year-old example, could roll back prices $750 each year by choosing a larger deductible amount.

If you do raise deductibles, it will be necessary to have plenty of money set aside to enable you to pay the extra out-of-pocket expense that comes with higher deductibles.

Why you should be comparing rates

San Jose car insurance rates are impacted by many things that will increase or decrease the cost of your policy. Improving your credit rating, buying a home instead of renting, or getting a speeding ticket can trigger rate changes that can make some companies cheaper than others. Not only may your situation change, but insurance companies file new California auto insurance rates every year in order to offset underwriting gains or losses. Heavy losses may result in additional price hikes, while a better claims history can cause lower-cost San Jose car insurance rates.

To help illustrate this point, the data below demonstrates which company has the cheapest car insurance in San Jose, CA for a 35-year-old female driver with a clean driving record, no accidents, and a good credit history. If we compare prices based on her personal risk profile, USAA offers the best car insurance rates in San Jose at $1,205 per year. This is $446 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also included in the most affordable San Jose, CA auto insurance companies.

Now we will pretend the driver from the first example a claim or two, a lower credit rating, and an imperfect driving record. Due to the fact that every auto insurer has their own formula to determining premium rates, comparing rates may now present a different ranking of affordable San Jose car insurance companies as shown below.

Grange now has the cheapest car insurance in San Jose, CA with Progressive, GEICO, Allstate, and Mercury completing the list. This example shows why California drivers need to compare as many rates as possible when trying to find cheap car insurance rates for handicapped drivers.

Auto insurance prices are calculated by many factors and can change without notice, so the most economical option three years ago may now not even be in the top five.

If you have coverage questions and would like to have a professional recommendation when shopping around for cheaper insurance for handicapped drivers, the agents shown below can help you make a decision which coverage fits your budget. To find a San Jose insurance agent nearest to you, click the button at the bottom of the list or click here to compare prices now.

View more San Jose, CA insurance agencies

How to find cheaper insurance for handicapped drivers

The list below summarizes some of the recommended money-saving solutions that can help California drivers locate lower-cost coverage.

The final tip is extraordinarily important, as was stressed in this piece. Prices charged by auto insurers go up and down frequently, so don't be tentative to switch to a new company if a better rate can be found.

Sticking with a specific company is fine, but it isn't a good idea if that devotion results in you overpaying big bucks every year. Now is a great time to compare rates to find cheaper insurance for handicapped drivers in San Jose.