Car Insurance for Diabetics

When looking for car insurance for diabetics, you will need to know your state's requirements for driving with medical conditions and list any serious symptoms to your insurance company.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 15, 2020

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Here's what you need to know...

  • As long as it is well managed, people with diabetes are allowed to own a driver’s license or a learner permit
  • The licensing authority in your state should be informed of your condition. Also, inform your motor vehicle insurer
  • The main issue with diabetic drivers is the possibility of developing hypoglycemia [low blood glucose] while behind the wheel
  • Diabetes complications such as eye problems also pose a lot of concern as it affects the ability to drive safely
  • The Disability Discrimination Act does not allow one to be denied car insurance based purely on his/her diabetes status

Most insurers no longer penalize individuals with diabetes by charging them higher premium rates. However, if for instance, insulin as treatment obliges you to own a restricted license, then this can affect your premium.

If you feel that your current insurer is charging you more than necessary, then you could shop around and get one that will charge you fairly. There are plenty of insurance companies to choose from, and they can even allow you to shift with your no-claims bonus.

When applying for auto insurance, it is a must to declare all “material facts;” diabetes being one of them.

The main risk of a diabetic driver is the probability of him/her developing a hypoglycemic episode that could impair their judgment and cause an accident.

Even though this is unusual, it can and does happen.

If you have diabetes and are in search of better auto insurance rates, start comparison shopping today by entering your ZIP code above!

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.

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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.

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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.

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!

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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