How Much is Auto Insurance for Handicapped Drivers in Dallas?

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.

How much does auto insurance cost in Dallas?
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.

Cheapest Vehicles to Insure in Dallas, TX
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

Cheaper Dallas, TX auto insurance for drivers with handicapsInsurers 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:

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.

Dallas, TX Auto Insurance Company Rankings
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: 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.