Who Has Cheap Mesa Car Insurance for Handicapped Drivers?

It’s impossible to miss the catchy commercials from auto insurance companies like Farmers and State Farm claiming dirt cheap rates. So drivers just need to pick the company with the cutest commercial, right?

Unfortunately, it’s not that simple as there are a lot of unknown elements like how well you maintain your credit, if you have a tendency to get pulled over, and your gender, that all factor into the price you pay. We know insurance is not everyone’s favorite topic, but in this article we will cover the best ways to find cheap car insurance and will give you a good start in finding the cheapest car insurance.

One of the more important things that are looked at to help calculate the annual cost of car insurance is the neighborhood you call home in Mesa. Areas with more people or even just a higher incidence of claims likely pay more, whereas areas with less congestion benefit from lower prices.

The illustration below rates the highest-priced areas in Arizona for handicapped drivers in which to buy car insurance. Mesa ranks #8 with the yearly price of $1,125 for the average policyholder, which is around $94 each month.

How much does auto insurance cost in Mesa?
Rank City Annual Rate
1 Phoenix $1,231
2 San Tan Valley $1,196
3 Avondale $1,186
4 Glendale $1,178
5 Buckeye $1,144
6 Gilbert $1,142
7 Scottsdale $1,129
8 Mesa $1,125
9 Tempe $1,118
10 Maricopa $1,107
11 Peoria $1,093
12 Goodyear $1,087
13 Casas Adobes $1,082
14 Chandler $1,082
15 Surprise $1,080
16 Tucson $1,072
17 Oro Valley $1,062
18 Casa Grande $1,057
19 Catalina Foothills $1,040
20 Yuma $992
Find Cheaper Insurance Go

Rate quotes are approximated as specific Mesa zip code can revise price quotes considerably.

The type of vehicle that is being insured is probably the largest consideration when shopping around for cheaper insurance for handicapped drivers. Vehicles with high performance features, a lack of advanced safety features, or a track record of large liability claims will cost much more to insure than safer models.

The data below shows insurance rates for a selection of the most affordable automobiles to insure in Arizona.

Cheapest Vehicles to Insure in Mesa, AZ
Vehicle Make and Model Estimated Cost for Full Coverage
Hyundai Elantra GLS Touring Station Wagon $1,372
Honda CR-V EX-L 2WD $1,404
Dodge Grand Caravan CV $1,539
Ford Escape Limited 2WD $1,606
Toyota Camry LE $1,622
Chevrolet Equinox LT 2WD $1,628
Jeep Wrangler Sport 4WD 2-Dr $1,630
Jeep Grand Cherokee Limited 2WD $1,739
Kia Optima LX $1,741
Ford F-150 XLT Super Cab 4WD $1,797
Ford Focus SE 4-Dr Sedan $1,826
Chevrolet Impala LS $1,831
Ford Edge SEL 2WD $1,826
Toyota Camry Hybrid $1,858
Chevrolet Malibu Hybrid $1,861
Toyota Prius $1,869
Ford Explorer Limited 4WD $1,895
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,903
Nissan Altima 3.5 SR 2-Dr Coupe $1,943
Honda Odyssey EX W/Rear Entertainment $1,954
Toyota Corolla XLE $1,956
Chevrolet Silverado LS Regular Cab 2WD $1,986
GMC Sierra 2500HD SLE Extended Cab 4WD $1,991
Start a Quote Go

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Premium amounts do not factor in your specific Mesa, AZ location which can decrease or increase premiums considerably.

Looking at the data, makes and models like the Hyundai Elantra, Honda CR-V, and Dodge Grand Caravan will definitely be some of the cheapest vehicles to insure for drivers with handicaps.

How to find a good Arizona insurance company

Insuring your vehicle with a highly-rated insurance company can be rather challenging considering how many companies are available to choose from in Mesa. The company ratings in the next section can help you select which providers to look at when shopping your coverage around.

These rankings include companies that insure vehicles across America, so smaller companies that only insure vehicles in Arizona are not taken into consideration for these rankings. To get rate quotes from these and other companies in Arizona, simply click here.

Top 15 Insurance Companies for Handicapped Drivers in Arizona
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Compare Rates Now Go

Data Source: Insure.com Best Car Insurance Companies

Discounts on Mesa insurance rates

Save on insurance for drivers with handicaps in MesaCar insurance companies that offer coverage for handicapped drivers may also offer rate discounts that can reduce rates by as much as 35% or more if you qualify for them. The best insurance companies and some of the discounts are detailed below.

The chart below visualizes the comparison of annual premium costs with and without some available policy discounts. The price estimates are based on a male driver, no driving violations, no at-fault accidents, Arizona state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with multiple policy, safe-driver, anti-theft, marriage, homeowner, and accident-free discounts applied. When taking advantage of discounts, theaverage yearly reduction on insurance for handicapped drivers is 28% or $528.

Here’s why you should compare rates often

Mesa insurance rates are impacted by many things which can substantially decrease or increase the cost of your policy. Getting older, buying a different vehicle, or getting a reckless driving citation can cause premium changes resulting in some rates now being cheaper in comparison to the competition.

In addition, insurance companies amend premium rates as often as every three months to adjust for gains or losses. Heavier than normal losses may result in increased policy costs, while a better claims history can produce cheaper Mesa car insurance rates.

For example, the chart below shows which companies have the cheapest car insurance in Mesa, AZ for a 30-year-old male driver with a clear driving record, no claims, and a good credit rating. When comparing rates based on his current risk profile, The Hartford might offer the best car insurance rates in Mesa at $1,090 each year. This is $338 less than the average policy premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Progressive, and Travelers are also included in the cheapest Mesa, AZ auto insurance companies.

The example below compares rates after we give the driver from the above example a chargeable accident, poor credit, and a stop sign violation. Since each company uses a different method for setting rates, comparing rates may now show a completely different list of cheap Mesa auto insurance companies as shown below.

GEICO now has the cheapest car insurance in Mesa, AZ with Ameriprise Group, CSAA, Safeco, and Allied now rounding out the top five. This example illustrates why it is so important to compare as many rates as possible when trying to get the cheapest insurance quotes for handicapped drivers. Auto insurance prices consist of many risk factors and change dramatically, so the most economical option six months ago may now be quite expensive.