Best Auto Insurance for Disabled Drivers (2021)

Auto insurance for disabled drivers may not be cheaper or free simply because you have a disability. The American with Disabilities Act protects marginalized communities from price gouging. Auto insurance rates for disabled drivers may be more expensive if there is additional equipment covered in your policy.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Sep 30, 2021

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What You Should Know

  • Under the ADA, drivers will never pay more for auto insurance strictly because of their disability
  • Vehicle modifications and other accessibility-enhancing equipment may cost extra to insure
  • Affordable auto insurance companies for disabled drivers can be found in every state

Finding auto insurance for disabled drivers doesn’t take any more effort than does finding coverage for someone without disabilities. It’s actually against the law for any company to make hurdles for disabled drivers.

Under the Americans with Disabilities Act (ADA), auto insurance companies are prohibited from strictly charging higher premiums to disabled drivers based on their disability. The best auto insurance companies will work with you to get the best rates.

You have rights and options when it comes to coverage on the road. Enter your ZIP code to find affordable auto insurance for disabled drivers.

How to Find Cheap Disability Auto Insurance

Shopping around for auto insurance as a disabled driver is basically looking at standard policy types. Let’s take a look at the base of what disabled drivers may find when looking for auto insurance.

Auto insurance rates for drivers with a disability may change if additional equipment is required or other medically-related risks are posed on the road. But, generally, drivers can expect these average rates based on age, risk, and where they live.

To get an idea of how much you could be paying for auto insurance, check out the table below to compare the average monthly auto insurance rates for boys and girls.

Average Monthly Auto Insurance Rates by Age and Gender
Age and GenderAverage Monthly Auto Insurance Rates
16-year-old female$283.29
16-year-old male$310.33
17-year-old female$216.67
17-year-old male$233.76
18-year-old female$180.59
18-year-old male$197.48
19-year-old female$153.52
19-year-old male$137.33
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As we’ve discussed, the risk you pose on the road can also raise your rates. Risk can mean various things, but let’s look at one of the most common ones: accidents. Disabled drivers could be perceived as an increased risk or more prone to getting into an accident on the road.

Check out the table below to see how an accident can raise your rates.

Average Annual Rates Based on Driving Record with 1 Accident
CompanyRates with a Clean RecordRates with 1 Accident
American Family$2,693.61$3,722.75
Liberty Mutual$4,774.30$6,204.78
State Farm$2,821.18$3,396.01
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There is only one program that offers free auto insurance for disabled drivers. Hawaii’s Assistance to the Aged, Blind, and Disabled program provides free auto insurance to people with disabilities and other qualifying communities.

If you’re looking for more help, check out our guide on how to compare auto insurance quotes for disabled drivers.

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Can auto insurance companies charge you more based on a disability?

Insurance companies cannot charge you based on your disability, but they can charge you if there are any risks or costs related to your disability.

Your policy will look the same as that of a person without disabilities, though some factors may differ based on risk — which are deemed by a doctor or the law and not the auto insurance company.

Let’s dig into what to look for when you want to buy auto insurance for disabled drivers.

What is covered and what is not covered by auto insurance for disabled adults?

Auto insurance companies can have higher rates for disabled drivers if the medical condition is considered a safety risk or if there are outside costs related to mobility-enhancing tools.

If you’re a disabled driver, you must disclose any medical conditions and vehicle modifications to your insurance company that may impact you while driving.

If you fail to disclose this information, you could lose your coverage or your auto insurance company can refuse to pay out after an accident.

One medical condition that may pose a safety risk on the road is epilepsy — a neurological disorder resulting in unanticipated loss of consciousness.

In any case, if your doctor believes you are capable of driving, an auto insurance company cannot deny you that right. If a doctor doesn’t deem you fit to drive, they may report you to the Department of Motor Vehicles, and your license will be suspended.

What are the cost factors of auto insurance for disabled drivers and passengers?

Sometimes, disabled drivers need special vehicle modifications to drive a car. In addition to purchasing these modifications, drivers may also see additional fees to insure the extra equipment.

Commonly used equipment adapted and vehicle modifications for disabled drivers and passengers include but are not limited to:

  • Amputee rings
  • Automatic doors
  • Hand controls
  • Keyless entry/ignition
  • Pedal extensions

Your disability may impact your auto insurance rates when your medical condition poses a safety risk on the road. Any risk posed by a disability will be denoted on your driver’s license.

An insurance company cannot make this decision or cannot deny drivers due to a disability or charge more because of a disability.

Can auto insurance companies prevent you from driving?

No, only your medical professional and the state can determine whether or not you are fit to drive. Auto insurance companies can also not price you out of policies.

Keep reading to learn about the rules and regulations that protect drivers with disabilities from unfair treatment from auto insurance companies.

What to Know About Driver Discrimination Laws

We’ve mentioned the Americans with Disabilities Act earlier. This law makes it illegal for any company or person to discriminate against someone because of a disability. Let’s dig into how it affects disability auto insurance rules.

The law states that any public accommodation — auto insurance falls under this category — may not impose or apply any eligibility requirements to their service that are meant to screen out anyone.

This includes preventing “an individual with a disability . . . from fully and equally enjoying any goods, services, facilities, privileges, advantages, or accommodations.”

That is “unless such criteria can be shown to be necessary for the provision of the goods, services, facilities, privileges, advantages, or accommodations being offered.”

These safety requirements must be based on actual — as opposed to perceived — risk as opposed to generalizations and stereotypes.

This law reaches employment sectors, transportation, and other required accommodations so that any person with a disability can have equal accessibility to those without a disability.

When we’re talking about affordable auto insurance for disabled drivers, the ADA ensures that premiums remain fair. Unfortunately, there are ways around the ADA.

Companies are allowed to charge someone based on risk; you can speak with your doctor to prove your disability does not pose a threat to other drivers.

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Auto Insurance for Disabled Drivers: The Bottom Line

If you’re faced with an auto insurance provider charging you more for a policy simply because you are disabled, that company is breaking the law.

Drivers with disabilities must follow the limitations put in place by their doctor or the state — if any. So, be sure to shop around for coverage to make sure you’ve found the most affordable policy for disabled drivers.

Rates can be impacted due to the risk the driver poses on the road. However, this risk cannot be perceived by an auto insurance provider when calculating your quote.

Use our free tool if you’re ready to speak with a local agent about a new policy. Enter your ZIP code to find the best auto insurance rates for disabled drivers near you.

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