The words “low-priced” and “insurance” really shouldn’t be used in the same sentence, especially when looking for the cheapest auto insurance for handicapped drivers. Let’s teach you a few of the factors that influence car insurance prices, and see how we can help you lower the price of your next policy.
Finding out which companies have the cheapest car insurance rates for handicapped drivers requires more time than just comparing rates from one or two companies. Every insurance company has a different formula for setting prices, so we’ll go over the most affordable car insurance companies in Aurora, CO.
Best Insurance Companies in Colorado
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $825 |
| 2 | Grange | $949 |
| 3 | USAA | $999 |
| 4 | Nationwide | $1,121 |
| 5 | Auto-Owners | $1,156 |
| 6 | GEICO | $1,187 |
| 7 | Travelers | $1,219 |
| 8 | State Farm | $1,259 |
| 9 | American Family | $1,301 |
| 10 | Progressive | $1,376 |
| 11 | Amica | $1,381 |
| 12 | Allied | $1,453 |
| 13 | California Casualty | $1,488 |
| 14 | Colorado Farm Bureau | $1,576 |
| 15 | Farmers | $1,581 |
| 16 | MetLife | $1,811 |
| 17 | Allstate | $1,994 |
| 18 | Encompass | $2,165 |
| 19 | Safeco | $2,522 |
| 20 | Titan | $2,711 |
| Find Your Rate Go | ||
The Hartford quotes some of the cheapest car insurance rates in Aurora at around $825 a year. Grange, USAA, Nationwide, and Auto-Owners would also make the list of some of the best Aurora, CO insurance companies.
As shown above, if you buy coverage from Grange and switched to The Hartford, you might see an annual savings of upwards of $124. Insureds with USAA may save as much as $174 a year, and Nationwide policyholders might reduce prices by as much as $296 a year.
To find the cheapest rates for your vehicle, click here to start a quote or visit any of the low-priced companies below.
Bear in mind that those policy prices are averages for all ages of drivers and types of vehicles and are not factoring in a specific vehicle garaging location for handicapped drivers. So the company that is best suited for you may not even be in the top 21 companies shown above. That illustrates why you need to get auto insurance quotes using your own personal information and vehicle type.
One of the more important considerations that help determine car insurance rates is where you call home. Areas with more people or even just a higher incidence of claims will most likely pay more, whereas areas with lower crime rates and fewer weather claims have the benefit of cheaper auto insurance prices.
The following table ranks the priciest cities in Colorado for handicapped drivers to buy an auto insurance policy in. Aurora shows up at #3 with the yearly price of $1,403 on average, which is about $117 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Pueblo | $1,440 |
| 2 | Denver | $1,425 |
| 3 | Aurora | $1,403 |
| 4 | Lakewood | $1,378 |
| 5 | Northglenn | $1,329 |
| 6 | Ken Caryl | $1,326 |
| 7 | Thornton | $1,320 |
| 8 | Commerce City | $1,314 |
| 9 | Arvada | $1,308 |
| 10 | Littleton | $1,293 |
| 11 | Security-Widefield | $1,291 |
| 12 | Colorado Springs | $1,290 |
| 13 | Brighton | $1,285 |
| 14 | Westminster | $1,284 |
| 15 | Centennial | $1,265 |
| 16 | Parker | $1,233 |
| 17 | Highlands Ranch | $1,229 |
| 18 | Castle Rock | $1,224 |
| 19 | Broomfield | $1,203 |
| 20 | Boulder | $1,171 |
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Price information shown is estimated as zip code location can revise premiums significantly.
Best car insurance company in Colorado
Insuring your vehicle with a high-quality car insurance company can be a challenge considering how many companies sell coverage in Aurora. The company information shown below could help you choose which auto insurance companies to look at when shopping car insurance rates for handicapped drivers. These ratings only include large, nationwide insurance companies, so smaller companies are not included in these rankings.
Top 10 Large Auto Insurance Providers in Aurora Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
- The General
Top 10 Large Auto Insurance Providers Overall in Aurora
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Allstate
Cost comparison with and without full coverage
Saving on car insurance is probably important to most vehicle owners, and a good way to buy cheaper insurance for handicapped drivers is to only pay for liability coverage. The diagram below visualizes the comparison of insurance costs when comparing full coverage to liability only. The costs are based on no claims or violations, $100 deductibles, drivers are single, and no discounts are applied to the premium.
On average, comprehensive and collision coverage on your policy costs $2,013 per year more than insuring for liability only. That raises the question if it’s a good idea to buy full coverage. There isn’t a written rule to drop physical damage coverage, but there is a general convention. If the yearly cost of comp and collision coverage is more than around 10% of the settlement you would receive from your company, then you may want to consider only buying liability coverage.
Drive safe and save
The easiest way to find the most affordable car insurance prices in Aurora for drivers with handicaps is to pay attention while driving and avoid accidents and keep your driving record clean. The information below shows how violations and at-fault accidents can affect auto insurance costs for different categories of driver ages. The rates are based on a single female driver, comp and collision included, $100 deductibles, and no discounts are applied to the premium.
The data in the chart shows the average cost of a car insurance policy per year with a clean driving record and no accidents is $1,909. Factor in one speeding ticket and the average cost jumps to $2,162, an increase of $253 each year. Now add in two accidents along with the one speeding ticket and the yearly cost of car insurance for handicapped drivers increases to an average of $4,293. That’s an increase of $2,384, or $199 per month, just for not being more responsible behind the wheel!