Deciphering which company has the cheapest insurance rates for handicapped drivers takes a bit more effort than just comparing rates from one or two companies. Each insurance company uses a different method to establish rates, so we’ll take a look at the most competitive insurance companies in Seattle, WA.
It’s important that you understand Seattle insurance rates are influenced by many factors that control the price you pay for coverage. Simply turning a year older, buying a home instead of renting, or having an accident may generate price changes that may make certain companies much cheaper than others.
Find Cheaper Auto Insurance in Washington
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Capital | $784 |
| 2 | Grange | $847 |
| 3 | PEMCO | $964 |
| 4 | Nationwide | $990 |
| 5 | Travelers | $1,008 |
| 6 | The Hartford | $1,058 |
| 7 | USAA | $1,060 |
| 8 | Mutual Enumclaw | $1,065 |
| 9 | California Casualty | $1,105 |
| 10 | Chubb | $1,116 |
| 11 | State Farm | $1,130 |
| 12 | Allied | $1,131 |
| 13 | American Family | $1,160 |
| 14 | Safeco | $1,180 |
| 15 | Amica | $1,243 |
| 16 | Liberty Mutual | $1,309 |
| 17 | Farmers | $1,355 |
| 18 | Progressive | $1,480 |
| 19 | National General | $1,525 |
| 20 | GEICO | $1,673 |
| Compare Rates Now Go | ||
Capital generally has some of the most affordable car insurance rates in Seattle at around $784 a year. This is $628 less than the average rate paid by Washington drivers of $1,412. Grange, PEMCO, Nationwide, and Travelers would also be considered some of the lowest-priced Seattle, WA insurance companies.
In this example, if you are currently insured with Nationwide and switched to Capital, you might see a yearly price reduction of about $206. Insureds with Travelers might save as much as $224 a year, and The Hartford insureds might reduce prices by as much as $274 a year.
Bear in mind that those premiums are averaged for all drivers and vehicles in Washington and are not factoring in a specific vehicle garaging location for handicapped drivers. So the auto insurance company that can offer the best rates for your situation may not even be in the top 25 companies shown above. That illustrates why you need to quote rates from many companies using your own specific driver and vehicle information.
For drivers with handicaps, one of the largest considerations that aid in calculating the amount you pay each year for auto insurance is where you keep your car. Areas with increased crime or more people likely pay more, whereas more rural areas tend to receive slightly lower rates.
The table below shows the priciest cities in Washington for handicapped drivers to purchase a policy in. Seattle is listed at #7 having an annual price of $1,349 for the average policyholder, which is about $112 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Tacoma | $1,399 |
| 2 | Renton | $1,389 |
| 3 | Federal Way | $1,379 |
| 4 | Lakewood | $1,378 |
| 5 | Auburn | $1,366 |
| 6 | Kent | $1,350 |
| 7 | Seattle | $1,349 |
| 8 | South Hill | $1,340 |
| 9 | Shoreline | $1,312 |
| 10 | Marysville | $1,258 |
| 11 | Everett | $1,250 |
| 12 | Kirkland | $1,243 |
| 13 | Redmond | $1,238 |
| 14 | Bellevue | $1,206 |
| 15 | Sammamish | $1,196 |
| 16 | Vancouver | $1,157 |
| 17 | Lacey | $1,111 |
| 18 | Spokane Valley | $1,098 |
| 19 | Spokane | $1,093 |
| 20 | Olympia | $1,072 |
| Find Cheaper Rates Go | ||
Annual rates are approximated as zip code location can decrease or increase price quotes considerably.
Careless driving habits raise insurance rates
The common sense way to snag cheap insurance prices for drivers with handicaps is to be a careful driver and avoid getting tickets or having accidents. The chart below shows how speeding tickets and at-fault collisions increase annual premium costs for each age group. The price estimates are based on a married female driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.
The data above shows the average cost of a car insurance policy in Seattle per year with no accidents or violations is $954. Get two speeding tickets and the average cost rises to $1,344, an increase of $390 each year. Then throw in two accidents along with the two speeding tickets and the yearly cost of insurance for handicapped drivers jumps again to an average of $2,979. That’s an increase of $2,025, or $169 per month, just for not driving safely!
The information below highlights how deductible selection can impact yearly insurance costs when getting quotes for cheap insurance for handicapped drivers. The data is based on a single female driver, comprehensive and collision coverage, and no discounts are factored in.
A 40-year-old driver could reduce rates by $234 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $354 by choosing a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, could potentially save up to $592 every year by choosing larger deductibles on their policy. When using a larger deductible, it will be necessary to have plenty of savings on hand to enable you to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
Best insurance in Washington
Insuring your vehicle with a high-quality insurance provider can be a challenge considering how many different companies insure vehicles in Washington. The information shown below may help you decide which auto insurance companies you want to consider purchasing a policy from.
The ratings below are only comprised of the largest companies in the United States, so companies with more of a regional focus will not be included in the list. To view rates from the most competitive companies in Washington, follow this link.
Top 10 Major Auto Insurance Providers in Seattle Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- GEICO – A++
- State Farm – A++
- The Hartford – A+
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Titan Insurance – A+
- Progressive – A+
Top 10 Major Auto Insurance Providers in Seattle Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- Progressive
- GEICO
- Liberty Mutual
- Allstate
- Titan Insurance
- The Hartford
- The General
The Seattle auto insurance agencies shown below can most likely help you decide which auto insurance policy would work best for you, since some people have coverage questions and would like to have some advice when shopping for cheaper insurance for handicapped drivers. It’s not always easy to find the best coverage yourself, and agents can give satisfaction knowing your coverage gives you suitable coverage if you ever need to use it.
To locate a Seattle car insurance agency by location nearest to you, click the button following the list.
- Cairns Insurance Agency
13751 Lake City Way NE #214 – Seattle, WA 98125 – (206) 368-8117 - Charles Cohen – State Farm Insurance Agent
9750 Greenwood Ave N #104 – Seattle, WA 98103 – (206) 784-5151 - Olivia Crelencia – State Farm Insurance Agent
502 Rainier Ave S Ste 102 – Seattle, WA 98144 – (206) 725-2424