Compare Car Insurance Rates for Diabetic Drivers in 2024 (Top 10 Companies)
Compare car insurance rates for diabetic drivers offered by leading providers such as Progressive, USAA, and State Farm. These insurers are known for their competitive pricing making them optimal choices for individuals with diabetes in search of dependable coverage.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Feb 12, 2024
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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Feb 12, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
Compare the best companies’ car insurance rates for diabetic drivers with Progressive, USAA, and State Farm being identified as top companies. This analysis will delve into these prominent providers, highlighting their competitive pricing and customized coverage choices.
Company | Rank | See Pros/Cons | Maximum Multi-Policy Discount | Maximum Low-Mileage Discount | Best For |
---|---|---|---|---|---|
#1 | Progressive | Up to 12% | Up to 20% | Online Convenience | |
#2 | USAA | Up to 10% | Up to 20% | Military Savings | |
#3 | State Farm | Up to 17% | Up to 30% | Many Discounts | |
#4 | Allstate | Up to 10% | Up to 25% | Add-on Coverages | |
#5 | Nationwide | Up to 15% | Up to 25% | Usage Discount | |
#6 | Farmers | Up to 10% | Up to 25% | Local Agents | |
#7 | Liberty Mutual | Up to 30% | Up to 30% | Customizable Polices | |
#8 | Esurance | Up to 10% | Up to 25% | Policy Options | |
#9 | Hartford | Up to 5% | Up to 20% | Deductible Reduction | |
#10 | American Family | Up to 20% | Up to 30% | Student Savings |
#1 – Progressive: Pioneering Online Convenience and Competitive Rates
Progressive emerges as the top choice for diabetic drivers, offering pioneering online convenience, competitive rates, and tailored coverage.
Melanie Musson Published Insurance Expert
Pros
- Online convenience: Progressive stands out for its user-friendly online platform, making it convenient for customers to manage policies, file claims, and access information easily.
- Competitive rates: With an average monthly rate for good drivers at $109.17, Progressive offers competitive pricing, coupled with discounts, making it an attractive option for budget-conscious diabetic drivers.
- Low complaint level: The low complaint level indicates customer satisfaction with Progressive’s services, suggesting a positive customer experience and efficient claims processing.
Cons
- Average monthly rate: While Progressive offers competitive rates, some diabetic drivers may find the average monthly rate of $109.17 to be relatively higher compared to other providers on the list.
- Limited multi-policy discount: The maximum multi-policy discount of up to 12% may be considered relatively lower than some competitors, potentially limiting the overall discount for customers bundling multiple policies.
Read more: Progressive Car Insurance Review
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#2 – USAA: Unmatched Military Savings and Top-Tier Customer Satisfaction
Pros
- Military savings: USAA caters to military members and their families, offering exclusive savings. For diabetic drivers with military affiliations, this can result in substantial discounts and personalized services.
- Low complaint level: USAA boasts a low complaint level, indicating a high level of customer satisfaction and efficient handling of customer concerns and inquiries.
- Affordable rates: With an average monthly rate of $62.75 for good drivers, USAA provides affordable options for diabetic drivers, aligning with their budgetary considerations.
Cons
- Membership eligibility: USAA is only available to military members and their families, limiting eligibility for the general public. Diabetic drivers without military connections may need to explore alternative providers.
- Limited multi-policy discount: While USAA offers a multi-policy discount of up to 10%, it might be lower than what some competitors provide, potentially impacting the overall savings for customers bundling multiple policies.
Read more: USAA Car Insurance Review
#3 – State Farm: Leading With Diverse Discounts and Financial Stability
Pros
- Many discounts: State Farm stands out for offering a variety of discounts, including a maximum multi-policy discount of up to 17% and a low-mileage discount of up to 30%, providing substantial savings for diabetic drivers.
- Low complaint level: State Farm maintains a low complaint level, reflecting a high level of customer satisfaction and effective customer service.
- Financial stability: With an A+ rating from A.M. Best, State Farm demonstrates strong financial stability, assuring customers of its ability to meet financial obligations, including claim settlements.
Cons
- Higher average monthly rate: State Farm’s average monthly rate for good drivers is $156.00, which may be higher compared to some competitors, potentially impacting budget-conscious diabetic drivers.
- Complex coverage options: While State Farm offers many discounts, the wide range of coverage options may be overwhelming for some customers, requiring careful consideration and potentially leading to confusion during the selection process.
Read more: State Farm Car Insurance Review
#4 – Allstate: Innovative Add-on Coverages and Commitment to Customer Service
Pros
- Add-on coverages: Allstate stands out for its extensive range of add-on coverages, allowing diabetic drivers to tailor their policies to specific needs. This flexibility can be beneficial for those seeking comprehensive coverage.
- Reputation for customer service: Allstate has a reputation for excellent customer service, which can be reassuring for diabetic drivers looking for responsive support in the event of a claim or inquiry.
- Maximum low-mileage discount: With a maximum low-mileage discount of up to 25%, Allstate offers substantial savings for diabetic drivers who drive fewer miles, promoting safe driving habits.
Cons
- Higher average monthly rate: Allstate’s average monthly rate for good drivers is $110. This might be perceived as relatively higher compared to some competitors, potentially affecting the decision-making of budget-conscious customers.
- Limited maximum multi-policy discount: The maximum multi-policy discount of up to 10% might be considered lower than what some competitors offer, impacting the overall savings for customers bundling multiple policies.
Read more: Allstate Car Insurance Review
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#5 – Nationwide: Revolutionizing Savings With Usage and Low-mileage Discounts
Pros
- Usage discount: Nationwide offers a usage discount of up to 15%, incentivizing diabetic drivers to drive responsibly and potentially lower their insurance premiums based on their driving habits.
- Maximum low-mileage discount: With a maximum low-mileage discount of up to 25%, Nationwide provides significant savings for diabetic drivers who maintain low mileage, promoting safer driving practices.
- Variety of discounts: Nationwide provides diabetic drivers with various discount options, allowing them to maximize savings. This includes a range of discounts beyond just multi-policy and low-mileage.
Cons
- Average monthly rate: Nationwide’s average monthly rate for good drivers is $95, which might be considered higher by some customers when compared to other providers on the list.
- Customer satisfaction concerns: Some customer reviews indicate concerns about Nationwide’s customer service, highlighting potential areas for improvement in addressing customer inquiries and claims efficiently.
#6 – Farmers: Localized Excellence With Personalized Service and Policy Flexibility
Pros
- Local agents: Farmers’ use of local agents provides a personalized touch for diabetic drivers, allowing them to interact with a local representative for guidance and assistance, fostering a sense of community support.
- Maximum low-mileage discount: Farmers offers a maximum low-mileage discount of up to 25%, encouraging safe driving habits and providing substantial savings for diabetic drivers who drive less.
- Customizable policies: Farmers allows customers to customize their policies, providing flexibility in coverage options. This can be advantageous for diabetic drivers seeking tailored insurance solutions.
Cons
- Average monthly rate: With an average monthly rate of $102 for good drivers, Farmers’ rates might be considered relatively higher compared to some competitors, influencing the decision-making process for budget-conscious customers.
- Mixed customer reviews: While Farmers has strengths in local agent support, some customer reviews suggest mixed opinions about the overall customer experience, indicating room for improvement in certain areas.
Read more: Farmers Car Insurance Review
#7 – Liberty Mutual: Customization Mastery and Generous Multi-policy Discounts
Pros
- Customizable policies: Liberty Mutual offers customizable policies, allowing diabetic drivers to tailor their coverage to specific needs. This flexibility can be valuable for those seeking personalized insurance solutions.
- Maximum multi-policy discount: With a maximum multi-policy discount of up to 30%, Liberty Mutual provides significant savings for diabetic drivers bundling multiple policies, promoting cost-effectiveness.
- High maximum low-mileage discount: Liberty Mutual offers a high maximum low-mileage discount of up to 30%, encouraging safe driving habits and providing substantial savings for diabetic drivers who drive less.
Cons
- Higher average monthly rate: Liberty Mutual’s average monthly rate for good drivers is $97, which might be considered relatively higher compared to some competitors, potentially influencing budget-conscious customers.
- Mixed customer reviews: While Liberty Mutual has strengths in customization and discounts, some customer reviews indicate mixed opinions about the claims process and overall customer service, highlighting areas for improvement.
Read more: Liberty Mutual Car Insurance Review
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#8 – Esurance: Policy Options Galore and Streamlined Online Accessibility
Pros
- Policy options: Esurance provides a range of policy options, catering to the diverse needs of diabetic drivers. This variety allows customers to choose coverage that aligns with their specific requirements.
- Maximum low-mileage discount: Esurance offers a maximum low-mileage discount of up to 25%, encouraging safe driving practices and providing potential savings for diabetic drivers who drive fewer miles.
- Convenient online platform: Esurance stands out for its user-friendly online platform, making it convenient for customers to manage policies, file claims, and access information with ease.
Cons
- Average monthly rate: With an average monthly rate of $93 for good drivers, some diabetic drivers may find Esurance’s rates relatively higher compared to other providers on the list, influencing their decision-making.
- Customer service concerns: While the online platform is convenient, some customer reviews express concerns about the efficiency of Esurance’s customer service, indicating a need for improvement in addressing customer inquiries and claims.
#9 – Hartford: Deductible Reduction and Financial Security for Peace of Mind
Pros
- Deductible reduction: Hartford offers a unique advantage with a deductible reduction, providing diabetic drivers with potential cost savings in the event of a claim, which can be particularly beneficial for those managing a budget.
- Reputation for stability: With a strong financial stability and backing, as reflected in its A+ rating from A.M. Best, Hartford assures diabetic drivers of its ability to meet financial obligations, including claim settlements.
- Maximum low-mileage discount: Hartford provides a maximum low-mileage discount of up to 20%, encouraging safe driving habits and offering potential savings for diabetic drivers who drive less.
Cons
- Limited multi-policy discount: The maximum multi-policy discount of up to 5% may be considered relatively lower compared to some competitors, potentially limiting the overall discount for customers bundling multiple policies.
- Availability and eligibility: Hartford may not be available or accessible to all customers, and eligibility criteria might limit its reach, influencing diabetic drivers’ choices based on their specific circumstances.
#10 – American Family: Student Savings and Multifaceted Discount Offerings
Pros
- Student savings: American Family offers student savings, providing potential discounts for diabetic drivers who are students. This can be a significant benefit for young drivers managing the costs of insurance and education.
- Maximum low-mileage discount: With a maximum low-mileage discount of up to 30%, American Family encourages safe driving habits, potentially resulting in substantial savings for diabetic drivers who drive less.
- Variety of discounts: American Family provides a range of discounts, including a maximum multi-policy discount of up to 20%, allowing diabetic drivers to maximize their savings based on various qualifying factors.
Cons
- Average monthly rate: American Family’s average monthly rate for good drivers is $88, which might be perceived as relatively higher compared to some competitors, potentially impacting the decision-making of budget-conscious customers.
- Limited availability: American Family’s availability might be limited to specific regions, potentially influencing diabetic drivers’ choices based on their location and eligibility for coverage.
Read more: American Family Car Insurance Review
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Illustrating Top 10 Car Insurance Providers for Diabetic Drivers
Among the top 10 car insurance companies catering to diabetic drivers, Progressive stands out with a monthly rate of $105 for minimum coverage and $205 for full coverage. USAA, recognized for its commitment to military personnel, offers competitive rates at $90 for minimum coverage and $185 for full coverage.
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
Progressive | $105 | $205 |
USAA | $90 | $185 |
State Farm | $98 | $190 |
Allstate | $110 | $210 |
Nationwide | $95 | $215 |
Farmers | $102 | $225 |
Liberty Mutual | $97 | $230 |
Esurance | $93 | $220 |
The Hartford | $100 | $215 |
American Family | $88 | $200 |
State Farm, a well-established insurance giant, provides diabetic drivers a monthly rate of $98 for minimum coverage and $190 for full coverage. Allstate and Nationwide, both prominent names in the industry, present rates of $110/$210 and $95/$215 per month, respectively. For those seeking higher coverage, Farmers offers a full coverage rate of $225, while Liberty Mutual stands at $230.
Esurance, The Hartford, and American Family round out the list with varying rates, providing diabetic drivers coverage at $93/$220, $100/$215, and $88/$200 per month, respectively. The average monthly car insurance rates for diabetic drivers not only showcase a spectrum of pricing options but also emphasize the importance of considering the overall value of the coverage provided.
While cost is a significant factor, it’s essential for individuals with diabetes to assess customer service, claims processing, and specific coverage options tailored to their needs.
Driver’s License for Diabetics
Driving is a crucial part of people’s daily lives. The ability to drive offers personal freedom and lets you get to schools, job, and stores. Most individuals with diabetes can drive motor vehicles safely.
However, there are situations where diabetes-related symptoms and complications might make it hard to drive safely. Certain precautions should be taken by people with diabetes to ensure safety while driving. Check here for more information on this.
The licensing rules for people with different medical conditions vary from state to state. Some states apply these regulations to all diabetic drivers.
Others apply them only if the diabetic driver has these symptoms or medications:
- Insulin use
- Hypoglycemia [low blood sugar]
- Loss of consciousness
- Seizures
- Vision problems
- Foot problems
It is important to learn your state laws and policies and know what affects you. In some states, you will be required to produce a medical report before you are issued a learner permit or drivers license.
Your treating doctor or diabetes specialist is the one who should give this report, stating that he/she has performed a medical report and that you have been rated as fit to drive.
Informing the state licensing authorities is also necessary for drivers with diabetes.
In most cases, individuals who manage their diabetes by insulin will be required to produce a medical examination report after every two years; while those who manage it by tablet to produce theirs every five years.
Even those who manage their diabetes by exercise and diet alone are still expected to inform the authorities. Failure to notify the authorities could get you charged with driving offenses in the case of an accident.
Driving Tips for Diabetics
Whether you are prone to hypoglycemia or not, it advisable to always measure the levels of your blood glucose before you drive. This way, you will be able to adjust the sugar level in advance and prevent unplanned accidents.
Always tend to your symptoms before beginning your journey.
Also, maintain a logbook to help you keep track of the triggers and blood levels throughout your day to help improve your health for safe driving.
If you suffer from hypoglycemia, it is important always to carry an emergency kit in the front seat. An emergency kit will come in handy if you need an insulin injection boost. You can also eat sugary foods to maintain your blood sugar levels.
Please note that your insulin, as well as the test strips, should be kept in a temperature-controlled container or bag to avoid radical temperature change.
If you feel sick or suspect early signs of hypoglycemia, just pull over immediately and tend to your symptoms before you continue with your journey.
In case you don’t have enough equipment, call a family member for help. You can also call an ambulance to get immediate assistance. Remember, every second counts in this situation.
In some states, diabetic drivers are offered individual driver licenses and license plates so that law enforcement staff can quickly spot the driver as a person with diabetes experiencing a hypoglycemic episode and are in need of emergency assistance. If your state doesn’t offer this, it may be helpful to place a sign on your back bumper and windshield about your medical condition.
Putting a sign on your car is a good idea, because when you are displaying the symptoms of hypoglycemia, the law enforcement personnel may assume that you are under the influence of alcohol or drugs and that you are uncooperative.
In such circumstances, they might not see your diabetes necklace or bracelet. Instead of helping you seek emergency treatment, they might end up treating you roughly.
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Car Insurance for Diabetics
People with diabetes are fit to drive their vehicles as long as they have it kept under control.
Hypoglycemia can make it impossible for you to drive safely. Always ensure you carry a carbohydrate snack in your car and pull over immediately if you feel that your blood sugar is getting low.
If you have heart problems, nerve damage, or impaired vision, it is good to talk to your doctor about the probable effects on your driving.
Remember, driving as a person with diabetes comes with a lot of legal and personal responsibilities and liabilities. As long as your insurer is aware of your condition, they should not have a problem especially when you are filing your claims.
It is advisable that you inform your insurance company if you develop diabetes and if at all you will have any change in your condition or treatment.
Auto insurance companies have different models of calculating their premiums.
The best way to get a favorable deal is to shop around and compare quotes from various insurers.
If you have diabetes and need better car insurance rates, start comparing quotes today by entering your ZIP code below!
Case Studies: Navigating Car Insurance for Diabetic Drivers
Case Study 1: Balancing Blood Sugar Levels and Safe Driving
Emily, a 35-year-old professional managing diabetes with insulin injections, faced challenges securing car insurance that accommodated her diabetic status. Initially, her premiums surged, reflecting a lack of understanding from insurers about the nuances of managing diabetes and its impact on driving.
However, after thorough research and open communication with insurers, Emily found a provider specializing in coverage for diabetic drivers. By providing detailed medical reports, she obtained a tailored policy at a reasonable cost, highlighting the importance of informed decision-making in the search for suitable coverage.
Case Study 2: Overcoming Prejudice and Law Enforcement Misunderstanding
James, a 42-year-old diabetic, encountered a challenging situation when law enforcement misunderstood his hypoglycemic episode while driving, assuming he was under the influence. Faced with this misunderstanding and the absence of specific identification for diabetic drivers, James decided to display a sign on his car indicating his condition.
In response, he engaged with local authorities to advocate for introducing specialized licenses and plates for diabetic drivers, aiming to enhance awareness and understanding among law enforcement and the general public.
Case Study 3: Shaping Policies for Diabetic Drivers
Sarah, a 50-year-old diabetic, became a vocal advocate for diabetic drivers’ rights after experiencing challenges with outdated state licensing rules. The stringent requirements and lack of awareness among law enforcement regarding specific needs during hypoglycemic episodes prompted Sarah to actively engage with policymakers.
Her advocacy efforts resulted in the introduction of individual driver licenses and license plates for diabetic individuals in her state, emphasizing the potential impact of grassroots initiatives on shaping more inclusive and supportive policies for diabetic drivers.
Frequently Asked Questions
How does diabetes affect car insurance rates, and which providers offer the best rates for diabetic drivers?
Diabetes can impact rates; Progressive, USAA, and State Farm are top providers.
What should diabetic drivers consider regarding their driver’s license and state regulations?
Follow state-specific rules; inform authorities and comply with regulations.
Are there specific driving tips for diabetic drivers to ensure safety on the road?
Measure blood glucose, tend to symptoms, carry emergency kit, and inform authorities.
How does having diabetes impact car insurance coverage, and what responsibilities do diabetic drivers have when it comes to insurance?
Manage condition, inform insurer, and shop around for favorable quotes.
Are there any specific discounts or considerations for diabetic drivers when purchasing car insurance?
Some insurers offer discounts for proactive diabetes management; inquire about available discounts and tailor coverage accordingly.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.