Lauren Lewthwaite Last Updated On: June 27, 2023

We’re Helping You Understand Disability Car Insurance for Disabled Drivers and Passengers

There’s no doubt that ableist attitudes prevail, so while getting car insurance for disabled drivers is not as cost-prohibitive as it used to be, the fact remains that disabled people may end up paying more for their car insurance premiums. 

But we can help you lower your rates—just keep reading. 

We’re going to share what you need to know about getting disability car insurance, including auto insurance discounts for disabled individuals, common coverage questions, and how to go about getting this crucial coverage.

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Table of Contents

Disabled Car Insurance: You're Protected

Thanks to the Americans with Disabilities Act (ADA), it’s illegal for insurance providers to charge inflated rates for drivers who have disabilities. After all, having a disability (be it mental or physical) does not automatically make you a higher-risk driver. 

This said, there are some conditions that are considered driving impairments and may result in your being saddled with heftier premiums—specifically, if your condition makes you a riskier driver or if you require costly vehicle enhancements that are more expensive to replace.

Some disabilities that may make you more costly to insure include (but are not limited to):

  • Hearing or vision loss
  • Amputee or paraplegic
  • Wheelchair use
  • Epilepsy Mental health illness or neurological conditions
  • Cerebral palsy
  • Stroke

If you have a serious condition, talk to your doctor to assess whether your disability will impact your ability to drive.

There are some medical conditions that require you to be medically approved before you can be legally allowed to drive. While getting this approval may seem like another unnecessary hoop to jump through, remember: it’s not only about business with the insurance company, it’s about protecting you and other people on the road. 

How Is Auto Insurance for Disabled Drivers Different?

Really, it’s not, namely because there is no such thing as auto insurance for disabled drivers. The car insurance for disabled persons is the same car insurance anyone can get, but—as mentioned—the premiums may be higher if your vehicle is more expensive to insure due to special adjustments and modifications or if your disability makes you riskier on the roads.

If it poses a significant enough risk, you may not be permitted to drive, period.

As a disabled individual, your coverage will really start to differ when it comes to add-ons. For example, if you have custom equipment or a specialized vehicle, you should look into mobility car insurance coverage, which is additional coverage you can add to your plan for cushier protection. 

Understanding Car Insurance for Disabled Drivers

Given that it’s illegal to charge someone more car insurance on the basis of their disability, car insurance for disabled drivers is exactly the same as standard car insurance. There are only two reasons why it could be more expensive:

  1. The higher cost to insure specialized custom vehicles
  2. The higher cost to insure a medical condition that’s a risk for driving

Having a disability doesn’t put you at a higher risk for an accident than anyone else unless you have a specific medical condition that does put you and other drivers at risk. An example of this is epilepsy; you can still likely get approval from your doctor to drive, but the risk of losing consciousness on the road does pose a higher risk for your insurance provider, which would allow them to charge you higher premiums. 

It’s important to disclose such medical conditions to your insurance provider, or you could risk having your claims denied and a loss of coverage should the insurance provider find out down the line.

If your doctor approves you to drive, even with certain constraints, this medical approval will appear on your driver’s license and it can be grounds for your insurance provider to charge you higher rates.

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How to Get Car Insurance for Disabled Drivers?

First things first: Get a quote for disabled car insurance. The easiest way to go about this is to get a quote from a carrier who specializes in providing affordable coverage for disabled drivers.

How do you find these carriers? 

Just request a quote from us. We’ve been in the insurance business for decades and we know the best providers of auto insurance for disabled individuals. Fill in your information and we’ll match you with your ideal provider. 

Simple as that. 

Be Honest With Your Carrier About Disability Car Insurance

You know what they say: honesty is the best policy. Be upfront with your insurer about your disabilities and medical conditions. Also, let them know what special equipment or modifications you have or will be putting on your vehicle. 

Some of these disability-adapted modifications could include:

  • Siren detectors
  • Power seats
  • Steering devices
  • Hand controls
  • Parking breaks
  • Amputee rings
  • Automatic doors
  • Special mirrors
  • Wheelchair ramps and restraints
  • Seat belt extensions
  • Pedal extensions

Failure to disclose accurate information about your disability and/or vehicle could result in your coverage being denied and you being dropped from your policy.

This said, your car insurance company cannot deny you the right to drive because of your disability: that is something your DMV determines.

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How Much Coverage Do Disabled Drivers Need?

That depends on your disability, but—perhaps more significantly—your vehicle modifications and, like any other driver, factors like your driving record, how often you drive, where you live, and age.  Most standard full coverage insurance plans will include:
  • Personal liability, which reimburses damages or injuries to other drivers and passengers as well as their property. 
  • Comprehensive and collision, which reimburses damage to vehicles. 
  • Medical payments (MedPay) and Personal Injury Protection (PIP), which reimburse the cost of bodily injury to your passengers or yourself.
  • Uninsured coverage, which reimburses you for injuries sustained to yourself and/or your vehicle if you’re in an accident with an underinsured or uninsured driver
If you’re a disabled motorist or passenger, you may also want to consider these additional coverages:
  • Mobility car insurance coverage, which will reimburse you for the cost of temporary transport should your adapted auto need to be repaired. 
  • Roadside assistance, which offers pick-up after an accident, towing, and help for other common roadside issues, like breaking down or running out of gas. 
  • Special or adaptive equipment coverage, which will reimburse you for damage or destruction of the custom and/or disability-adapted modifications to your vehicle. 

How Much Does Disability Car Insurance Cost?

Car insurance for disabled drivers won’t necessarily be more expensive than it is for other drivers, but it certainly can be. If you have a medical condition that makes you more of a risk on the road or if you have an expensive, customized vehicle adapted to your disability, you can expect to pay higher premiums.  Because each disability and situation can be so different, there’s no way to ballpark how much you’ll need to shell out for disabled car insurance, but there are ways for everyone can save on premiums, including:
  • Compare multiple quotes
  • Switch to a usage-based car insurance policy so that you’re discounted on good driving habits and low mileage
  • Ask for discounts such as for senior drivers, good drivers, going paperless, or being a loyal customer
  • Bundle multiple policies with one provider for a discount
While not technically related to disabled car insurance, you may also be able to get a rebate for modifications made to your vehicle, which can help keep your costs down.  If you’re wanting to switch car insurance after an accident, keep in mind that it may or may not save you on premiums. If you can find a lower rate, then it may be worthwhile to switch, but your new insurance provider will still likely factor your recent accident into your premiums.

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How to Save Money on Disability Car Insurance?

Even if your premiums are increased slightly as a result of your disability, there are still a few ways you can save on your car insurance. 

Exclude yourself. If you’re not driving the vehicle, but are only a passenger, then you don’t need to be insured as a driver. Instead, name another driver. This person will be insured and, if they do not need medical clearance to drive, will likely get lower rates.

Take advantage of discounts. There are many discounts available to all drivers, including safe driving record discounts, driving course discounts, low mileage discounts, discounts for when you bundle your policies (e.g. home and auto), senior driver discounts, and loyalty discounts. 

Talk to your insurance company to see what might be available to you, but here are some easy ways to score discounts. 

  • Go usage-based. Usage-based car insurance is a great way to lower your rates if you don’t drive that much (typically, defined as under 10,000 per year). 
  • Veterans discounts. There are many discounts for car insurance for disabled veterans—and for veterans in general. In fact, some providers offer up to 15% off car insurance for disabled veterans. 

To find the best car insurance for disabled veterans in your state, request a free quote from us. We’ll match you with the ideal carrier for your needs from our roster of top companies—no exhaustive comparison quotes required. 

The Bottom Line

You shouldn’t necessarily expect to pay more for disabled car insurance. In fact, it’s illegal for you to be charged more just because of your disability. But if you have a customized vehicle for your disability or a condition that puts you and other drivers at risk, you could pay much higher premiums. 

But that doesn’t mean you can’t find savings to help lower your overall costs. Always be sure to get multiple quotes and do your research to ensure you’re finding the best deal out there. 

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No, but there are add-ons you, as a disabled individual, should consider to give you the coverage you need.

Not legally, no. You are protected under the Americans with Disabilities Act (ADA) and cannot be charged more just because you have a disability. If your disability makes you a higher risk driver, however, or if your vehicle is outfitted with expensive adaptive equipment, then your premiums may increase.

Not necessarily. There are plenty of people who drive safely with disabilities and having a disability does not necessarily mean you are a high-risk driver. Your car insurance rates can vary as much as anyone’s and will be determined on a variety of factors—many of which have nothing to do with your disability (e.g. your driving record, where you live, and how often you drive.)


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