Best Auto Insurance for Disabled Seniors (2021)

Affordable auto insurance for disabled seniors is possible via the Americans with Disabilities Act. ADA prevents an auto insurance company from discrimination against a disabled individual via price gouging. However, insurance companies can charge more for vehicles that are specialty vehicles for disabled individuals. Drivers can take advantage of multiple discounts to find cheaper auto insurance rates for disabled seniors.

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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

  • Senior males and senior females tend to pay about the same rates
  • An insurance company rejecting or accepting someone with a disability depends on the extent of the disability
  • There are a slew of discounts someone with a disability could take advantage of

If you’re looking for the best auto insurance for disabled seniors in your family, you’re in luck; we will be going over all of the disability auto insurance rules.

Is insurance for disabled seniors like auto insurance for disabled drivers of other ages? We’ll cover which companies offer the most affordable rates, how they’re rated, and auto insurance discounts for the disabled.

Enter your ZIP code into our free and helpful tool above to find auto insurance quotes for disabled seniors near you.

Best Auto Insurance Companies for Disabled Seniors

What’s the best way to find the most reputable insurance company to meet your needs? A great place to start is A.M. Best, which determines a company’s current and future financial stability.

A.M. Best Financial Ratings of the Top 10 Auto Insurance Companies
CompaniesA.M. Best RatingFinancial Outlook
AllstateA+Stable
American FamilyA+Stable
FarmersAStable
GeicoA++Stable
Liberty MutualAStable
NationwideA+Stable
ProgressiveA+Stable
State FarmA++Stable
TravelersA++Stable
USAAA++Stable
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As you can see, companies like GEICO, State Farm, Travelers, and USAA hold A.M. Best’s highest rating.

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Best Auto Insurance for Disabled Seniors: Company Rates

Do the disabled pay more for auto insurance? Because there tend to be additional insurance requirements for a disability-accessible vehicle, yes. However, the ADA prohibits discrimination solely for a disability.

Can the government help with auto insurance payments? Outside of the SAIP (Special Auto Insurance Policy) in New Jersey, this is pretty much the extent of specific low-income auto insurance from the government.

Whether or not you or your loved one gain coverage from an insurer is dependent upon the extent of the disability. Insurers are all about risk, so more debilitating disabilities will be seen as an increase to that risk.

Let’s take a look at a table that shows the average auto insurance rates for seniors and other age groups. These rates come from State Farm.

State Farm Average Annual Auto Insurance Rates by Age and Gender
Driver Gender and AgeAverage Annual Rates
Single 17-Year-Old Male$7,324.34
Single 17-Year-Old Female$5,953.88
Single 25-Year-Old Male$2,554.56
Single 25-Year-Old Female$2,335.96
Married 35-Year-Old Male$2,081.72
Married 35-Year-Old Female$2,081.72
Married 60-Year-Old Male$1,873.89
Married 60-Year-Old Female$1,873.89
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As you can see, men and women who are 60 years old (and 35 years old) pay the same rates with State Farm. However, male 25-year-olds pay slightly more than 25-year-old females. The disparity for 17-year-olds is even greater.

Let’s look at the rates offered by GEICO.

Geico Average Annual Auto Insurance Rates by Age and Gender
Driver Age and GenderAverage Annual Rates
Single 17-year-old male$6,278.96
Single 17-year-old female$5,653.55
Single 25-year-old male$2,262.87
Single 25-year-old female$2,378.89
Married 35-year-old male$2,312.38
Married 35-year-old female$2,302.89
Married 60-year-old male$2,283.45
Married 60-year-old female$2,247.06
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As you can see, a married 60-year-old female actually pays the least out of all the shown demographics. Married 60-year-old men aren’t far behind, but they do pay about $36 more per year.

What is the best way to save on senior auto insurance?

Whether or not you have a disability, there are always ways to save on your rates. In fact, not only are there senior discounts, but there tend to be discounts for safety features in your vehicle.

Those with disabilities would do well to take advantage of the latter point. Let’s see the discounts offered by major insurers across the country.

Auto Insurance Discounts Available by Company
Discounts21st Century Discounts OfferedAAA Discounts OfferedAllstate Discounts OfferedAmerican Family Discounts OfferedAmeriprise Discounts OfferedAmica Discounts OfferedCountry Financial Discounts OfferedEsurance Discounts OfferedFarmers Discounts OfferedGeico Discounts OfferedLiberty Mutual Discounts OfferedMetLife Discounts OfferedNationwide Discounts OfferedProgressive Discounts Offered
Adaptive Cruise Control
Adaptive Headlights
Anti-lock Brakes
Anti-Theft
Claim Free
Continuous Coverage
Daytime Running Lights
Defensive Driver
Distant Student
Driver's Ed
Driving Device/App
Early Signing
Electronic Stability Control
Emergency Deployment
Engaged Couple
Family Legacy
Family Plan
Farm Vehicle
Fast 5
Federal Employee
Forward Collision Warning
Full Payment
Further Education
Garaging/Storing
Good Credit
Good Student
Green Vehicle
Homeowner
Lane Departure Warning
Life Insurance
Low Mileage
Loyalty
Married
Membership/Group
Military
Military Garaging
Multiple Drivers
Multiple Policies
Multiple Vehicles
New Address
New Customer/New Plan
New Graduate
Newer Vehicle
Newly Licensed
Newlyweds
Non-Smoker/Non-Drinker
Occasional Operator
Occupation
On Time Payments
Online Shopper
Paperless Documents
Paperless/Auto Billing
Passive Restraint
Recent Retirees
Renter
Roadside Assistance
Safe Driver
Seat Belt Use
Senior Driver
Stable Residence
Students & Alumni
Switching Provider
Utility Vehicle
Vehicle Recovery
VIN Etching
Volunteer
Young Driver
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As you can see, there are standard discounts you can take advantage of, such as seat belt use, senior driver, and switching insurance providers.

Furthermore, those with a disability could look into additional discounts such as occasional operator and recent retiree.

Before you decide to buy auto insurance for disabled seniors, take a look at how these companies are rated.

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Enter your ZIP code into our free and helpful tool below to find auto insurance rates for disabled seniors near you.

Free Auto Insurance Comparison

Compare over 200 auto insurance companies at once!

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