For drivers with handicaps, one of the largest considerations that help determine insurance cost is where you normally keep your vehicle in Chicago. Areas with a lot of weather claims or more people tend to have more expensive car insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates get the luxury of paying less.
The table below shows the most expensive areas in Illinois for handicapped drivers in which to purchase auto insurance. Chicago comes in at #2 with an annual rate of $1,529 for the average insured, which is around $127 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Cicero | $1,573 |
| 2 | Chicago | $1,529 |
| 3 | Berwyn | $1,464 |
| 4 | Skokie | $1,391 |
| 5 | Des Plaines | $1,274 |
| 6 | Oak Lawn | $1,269 |
| 7 | Evanston | $1,226 |
| 8 | Orland Park | $1,184 |
| 9 | Waukegan | $1,176 |
| 10 | Mount Prospect | $1,169 |
| 11 | Schaumburg | $1,135 |
| 12 | Joliet | $1,134 |
| 13 | Bolingbrook | $1,128 |
| 14 | Arlington Heights | $1,128 |
| 15 | Tinley Park | $1,120 |
| 16 | Rockford | $1,119 |
| 17 | Elgin | $1,117 |
| 18 | Palatine | $1,109 |
| 19 | Springfield | $1,070 |
| 20 | Aurora | $1,053 |
| 21 | Naperville | $1,053 |
| 22 | Peoria | $1,050 |
| 23 | Decatur | $1,044 |
| 24 | Bloomington | $971 |
| 25 | Champaign | $962 |
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Annual rates are comparative as the specific zip code location can change premium rates noticeably.
The car, truck, or SUV you are insuring is one of the largest factors when comparing quotes for affordable car insurance for handicapped drivers. Vehicles with more horsepower, a lack of safety features, or a high likelihood of having liability claims will cost more to insure than safer models. The information below showcases car insurance costs for a number of the most cost-effective automobiles to buy coverage for.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 2WD | $2,053 |
| Toyota Prius | $2,084 |
| Ford Explorer Eddie Bauer 2WD | $2,103 |
| Ford F-150 XL Regular Cab 4WD | $2,111 |
| Honda CR-V EX 2WD | $2,118 |
| Toyota Tacoma 2WD | $2,180 |
| Toyota RAV4 2WD | $2,223 |
| Chevrolet Malibu Hybrid | $2,233 |
| Volkswagen Jetta S 2.5 Station Wagon | $2,288 |
| Ford Edge Sport AWD | $2,340 |
| Chevrolet Impala LS | $2,380 |
| GMC Sierra SLT Crew Cab 2WD | $2,384 |
| Ford Fusion SEL 4-Dr Sedan | $2,389 |
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Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Illinois minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Rates do not factor in specific zip code location which can influence coverage prices considerably.
Based upon these rates, you can see that models like the Ford Escape, Toyota Prius, Ford Explorer, and Ford F-150 are some of the cheapest vehicles to insure for drivers with handicaps.
Finding low-cost car insurance is not always easy, and determining which company offers the cheapest auto insurance rates for handicapped drivers will take a bit more work. Each auto insurance company has a unique formula for filing rates in each state, so we need to take a look at the auto insurance companies with the overall cheapest rates in Chicago.
It’s a good idea to know that Chicago, IL auto insurance rates are based on many factors which can substantially change the price you pay. That is why Chicago drivers need to compare rates to get the most budget-friendly auto insurance rates for handicapped drivers. Prices are calculated by many different factors and change dramatically, so the lowest-price company three years ago may now not even be in the top five.
Lowest Insurance Price Quotes in Illinois
The Hartford quotes some of the most affordable car insurance rates in Chicago at around $746 per year. This is $603 less than the average premium paid by Illinois drivers of $1,349. Rockford Mutual, Titan, Erie, and Cincinnati Insurance are also some of the most economical Chicago, IL auto insurance companies.
In the above example, if you currently buy coverage from Erie and switched to The Hartford, you could see a yearly price reduction of approximately $132. Drivers with Cincinnati Insurance might save as much as $169 a year, and USAA policyholders might lower prices by $204 a year.
To find the cheapest rates for your vehicle, click here to start your custom quote or visit any of the low-priced companies below.
These rates are averages for all types of drivers and the different vehicles they drive and do not take into consideration a specific location for handicapped drivers. So the company that is best suited for you may not even be in the top 36 companies shown above. That illustrates why you need to compare rates from as many companies as possible using your own specific driver information and vehicle.
Finding the best company can be a challenge considering how many different companies insure vehicles in Illinois. The ranking information in the next section can help you pick which companies to look at when buying insurance for handicapped drivers. The ratings below include companies that write coverage in many states, so smaller companies that only insure vehicles in Illinois will not be included in these rankings.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Titan Insurance | 89 | 91 | 83 | 86% | A+ | 89.3 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| Erie Insurance | 92 | 90 | 82 | 88% | A+ | 88.5 |
| Mercury Insurance | 87 | 95 | 87 | 84% | A+ | 88.3 |
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Data Source: Insure.com Best Car Insurance Companies
Responsible drivers pay cheaper Chicago auto insurance rates
One of the best ways to score affordable auto insurance premiums for drivers with handicaps is to be an attentive driver and avoid accidents and traffic citations. The example below illustrates how traffic citations and at-fault collisions can impact insurance rates for each age group. Data assumes a single female driver, full coverage, $1,000 deductibles, and no discounts are taken into consideration.
The data charted above shows the average cost of car insurance per year with no violations or accidents is $1,054. Get one speeding ticket and the average cost rises to $1,195, an increase of $140 each year. Then add one accident along with the one speeding ticket and the annual cost of auto insurance for handicapped drivers increases to an average of $1,582. That’s an increase of $528, or $44 per month, just for not being attentive to the road!
The diagram below highlights how deductible selection can raise or lower premium costs when quoting cheap insurance for handicapped drivers. The information is based on a single male driver, comprehensive and collision coverage, and no other discounts are factored in.
A 40-year-old driver could lower their car insurance rates by $290 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $436 by switching to a $1,000 deductible. Even younger drivers, like the age 20 example, could roll back prices $968 or even more by choosing larger deductibles on their policy.
If you do raise deductibles, it is important to have enough in a savings account to be able to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
Who has the cheapest Chicago car insurance?
Chicago, IL auto insurance rates are calculated based on many things that control the cost of having a policy. Simply having a birthday, having a claim, or getting a few speeding tickets can trigger changes in premium resulting in some companies being much cheaper than others.
Not only that, but auto insurance companies modify rates at least once a year in order to be able to pay unexpected claims. Larger than normal claims may result in additional price hikes, while profitable underwriting can result in lower-priced Chicago car insurance rates.
For instance, the graph below shows rates for the cheapest car insurance in Chicago, IL for a 45-year-old male driver with a clean driving record, no accidents, and excellent credit. When comparing rates based on his current risk profile, The Hartford might quote the best car insurance rates in Chicago at $1,198 per year. This is $151 less than the average policy premium paid by Illinois drivers of $1,349. Rockford Mutual, Titan, Cincinnati Insurance, and Erie round out the rest of the cheapest Chicago, IL auto insurance companies.
In this next rate comparison, we will give the driver in the first chart a couple of claims, a lower credit score, and a stop sign violation. Since every car insurance company has a unique approach to set their prices, comparing prices most likely will result in a different ranking of the cheapest car insurance companies in Chicago as shown below.
SECURA now has the cheapest car insurance in Chicago, IL with USAA, State Farm, Travelers, and Auto-Owners completing the list. This example illustrates why it is important to do a thorough rate comparison when trying to find the most economical car insurance rates for handicapped drivers. Auto insurance prices consist of many things and can increase or decrease at any time, so the best company the last time you checked may now cost much more than other companies.