Finding good, cost effective auto insurance is not the easiest thing to accomplish, and determining which company quotes the most affordable car insurance rates for handicapped drivers will involve a little more work. Each auto insurance company uses different criteria to set policy rates, so we’ll take a look at the overall cheapest car insurance companies in New York.
It’s important that you understand New York car insurance rates are influenced by many factors that control the cost of your policy. Taking a driver safety course, having a teenage driver, or getting a driving violation can produce rate changes that may make certain companies affordable when they were higher priced.
Best Auto Insurance Prices in New York
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,199 |
| 2 | Erie | $1,218 |
| 3 | Utica National | $1,534 |
| 4 | Allstate | $1,556 |
| 5 | Progressive | $1,558 |
| 6 | Travelers | $1,575 |
| 7 | MetLife | $1,588 |
| 8 | Amica | $1,628 |
| 9 | Preferred Mutual | $1,686 |
| 10 | New York Central Mutual | $1,818 |
| 11 | GEICO | $1,869 |
| 12 | Safeco | $1,908 |
| 13 | State Farm | $1,982 |
| 14 | Central Mutual | $2,008 |
| 15 | Liberty Mutual | $2,026 |
| 16 | Hanover | $2,369 |
| 17 | Encompass | $2,610 |
| 18 | Nationwide | $3,085 |
| 19 | Mercury | $3,926 |
| 20 | 21st Century | $4,412 |
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USAA may offer some of the best car insurance rates in Buffalo at around $1,199 a year. This is $876 less than the average premium paid by New York drivers of $2,075. Erie, Utica National, Allstate, and Progressive also make the cut as some of the cheapest Buffalo, NY insurance companies.
As shown above, if you are a policyholder with Erie and switched to USAA, you might see an annual premium reduction of roughly $19. Insureds with Utica National could save as much as $335 a year, and Allstate policyholders might lower prices by up to $357 a year.
To find out how your current rates compare, click here to get a free quote or visit several of the following companies.
Bear in mind that those premium estimates are averages across all ages of drivers and types of vehicles and and are not calculated with a specific location for handicapped drivers. So the auto insurance company that fits your needs best may not even be in the top 20 companies shown above. That emphasizes why you need to quote rates from many companies using your own personalized driver profile and vehicle information.
The car, truck, or SUV you are trying to insure is one of the main factors when comparing economical insurance for handicapped drivers. Vehicles with lots of speed or power, poor crash test ratings, or a track record of large liability claims will cost significantly more to insure than more economical and safe models.
The table below showcases coverage costs for the most cost-effective automobiles to buy coverage for.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 4WD | $2,069 |
| Honda Odyssey LX | $2,220 |
| Chevrolet Impala LS | $2,343 |
| Volkswagen Jetta S 4-Dr Sedan | $2,391 |
| Dodge Grand Caravan SXT | $2,437 |
| Ford Explorer Limited 4WD | $2,445 |
| Ford Focus SEL 4-Dr Sedan | $2,469 |
| Ford Escape XLT 2WD | $2,479 |
| Toyota Corolla LE | $2,517 |
| GMC Sierra SLT Extended Cab 4WD | $2,563 |
| Kia Optima LX | $2,571 |
| Chevrolet Malibu LTZ | $2,563 |
| Toyota Prius | $2,572 |
| Ford Fusion SE 4-Dr Sedan | $2,563 |
| Jeep Grand Cherokee SRT-8 4WD | $2,570 |
| Dodge Ram Quad Cab ST 4WD | $2,608 |
| Honda Accord EX 2-Dr Coupe | $2,688 |
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Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and New York minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Rate information does not factor in zip code location which can change coverage prices considerably.
Looking at the rates, you can expect models like the Honda CR-V, Honda Odyssey, and Chevrolet Impala are going to be some of the cheaper vehicles to insure for drivers with handicaps.
One of the many components that are looked at to determine insurance cost is where you choose to live. Areas with high crime rates or more dense population tend to pay more, whereas less populated areas can boast about having cheaper rates.
The following table lists the most expensive cities in New York for handicapped drivers to buy car insurance in. Buffalo comes in at #13 having an annual price of $1,488 for the average insurance policy, which is around $124 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | New York | $2,654 |
| 2 | Freeport | $2,303 |
| 3 | Hempstead | $2,301 |
| 4 | Levittown | $1,981 |
| 5 | Mount Vernon | $1,978 |
| 6 | Yonkers | $1,920 |
| 7 | Hicksville | $1,900 |
| 8 | West Babylon | $1,856 |
| 9 | Brentwood | $1,853 |
| 10 | Coram | $1,732 |
| 11 | New Rochelle | $1,627 |
| 12 | White Plains | $1,612 |
| 13 | Buffalo | $1,488 |
| 14 | Cheektowaga | $1,253 |
| 15 | Tonawanda | $1,201 |
| 16 | Niagara Falls | $1,189 |
| 17 | West Seneca | $1,189 |
| 18 | Syracuse | $1,130 |
| 19 | Utica | $1,125 |
| 20 | Troy | $1,095 |
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Price information shown is estimated as the specific Buffalo residence address can lower or raise price quotes substantially.
The chart below highlights how deductible choice can impact insurance rates when trying to find cheap insurance for handicapped drivers. The premium estimates are based on a married female driver, comp and collision included, and no other discounts are factored in.
In the chart above, a 40-year-old driver could lower their car insurance rates by $180 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $272 by changing to a $1,000 deductible. Younger drivers, like the 20-year-old, could roll back prices up to $450 annually by using higher deductibles when buying full coverage. When choosing a higher deductible, it is necessary to have emergency funds available to enable you to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
Discount Buffalo car insurance rates
Insurers that sell policies for handicapped drivers may have price discounts that can reduce rates by as much as 25% or more if you meet specific eligibility requirements. A list of car insurance companies and a summarized list of policyholder discounts include:
- Progressive has discounts for continuous coverage, multi-vehicle, online signing, multi-policy, and online quote discount.
- AAA may include discounts for good driver, good student, multi-policy, AAA membership discount, education and occupation, and pay-in-full.
- Farmers Insurance discounts include electronic funds transfer, pay in full, good student, teen driver, and distant student.
- GEICO policyholders can earn discounts including air bags, anti-theft, military active duty, multi-policy, seat belt use, and membership and employees.
- Esurance offers discounts for anti-theft, multi-policy, multi-car, DriveSense, and claim free.
- SAFECO includes discounts for anti-theft, anti-lock brakes, teen safety rewards, teen safe driver, multi-car, and homeowner.
- State Farm has savings for defensive driving training, anti-theft, safe vehicle, good driver, passive restraint, accident-free, and Drive Safe & Save.
The diagram below illustrates the difference between insurance prices with and without discounts applied to the rates. The data is based on a female driver, no claims or violations, New York state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with marriage, safe-driver, accident-free, multiple policy, multiple vehicle, and anti-theft discounts applied. When drivers take advantage of discounts, theaverage yearly reduction on car insurance for handicapped drivers is 27% or $402.
Irresponsible driving raises your rates
The best way to maintain the most affordable car insurance rates for drivers with handicaps is to drive cautiously and avoid traffic citations and accidents. The information below illustrates how speeding tickets and at-fault claims impact insurance prices for different age categories. The costs are based on a single female driver, comp and collision included, $500 deductibles, and no discounts are taken into consideration.
The data charted above shows the average cost of car insurance in New York per year with no violations or accidents is $1,195. Get two speeding tickets and the average cost jumps to $1,595, an increase of $400 each year. Now throw in one accident along with the two speeding tickets and the yearly cost of car insurance for handicapped drivers goes up to an average of $1,996. That’s an increase of $801, or $67 per month, just for not driving responsibly!
Why it’s important to shop around
New York car insurance rates are based on many factors that will increase or decrease the price of coverage. Improving your credit score, adding a teenager to your policy, or getting a reckless driving citation can trigger rate changes resulting in some companies being cheaper than before. Not only may your risk profile change, but auto insurance companies change premium rates every year or even multiple times each year in order to be able to pay unexpected claims. Heavier than normal losses may cause rate increases, while a better loss history can cause cheaper Buffalo car insurance rates.
As an example, the graph below shows which company has the cheapest car insurance in Buffalo, NY for a 35-year-old female driver with no accidents, a clean driving record, and a high credit rating. When quoting prices based on her current risk factors, USAA has the most affordable car insurance rates in Buffalo at $1,858 per year. This is $217 less than the average policy premium paid by New York drivers of $2,075. Erie, Progressive, Utica National, and Travelers are the remaining cheapest Buffalo, NY auto insurance companies.
Now we will give the driver from the first rate comparison a claim surcharge, a lower credit rating, and a few blemishes on her driving record. Since every insurance provider has a proprietary formula to set premium rates, comparing insurance quotes most likely will result in a slightly different list of the cheapest car insurance companies in Buffalo as shown below.
MetLife now has the cheapest car insurance in Buffalo with Amica, Erie, Preferred Mutual, and New York Central Mutual now being in the top five. This example demonstrates why it is critical to do a thorough rate comparison when trying to get the cheapest auto insurance rates for handicapped drivers.
Insurance rates consist of many different factors and can decrease or increase without notice, so the best company a year ago may now be wasting a lot of money.