Disability Car Insurance – Disabled Driver Insurance Rates

The average rates for car insurance for disabled drivers are $75/mo to $125/mo. Compare rates with our quote comparison tool to save money on car insurance for disabled drivers.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

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® Joel Ohman

UPDATED: Jun 2, 2022

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Here's what you need to know...

  • Depending on the state, a policy for a disabled driver can cost anywhere from $900 to $1,500 per year
  • Many companies have specific agents who offer help to disabled drivers and their families
  • If you are driven around by a caregiver, that individual needs to be added onto your car insurance plan

A minority of people require disability car insurance. Disabled individuals can get a comprehensive plan that suits their individual needs from countless insurance companies.

The average person does not have a problem with disabled drivers on the road.

Many trust the driver’s vehicle has equipment that makes it possible to be a capable and responsible driver. The auto industry makes it possible for disabled drivers with its latest advances in car manufacturing.

Discover disability car insurance rates for FREE with our quote tool!

How Companies View Disability Modifications

Insurance companies question the inclusion of modifications in vehicles.

Most companies require proof of the modification made to the vehicle. They then send certification of the disclosure in the event of a claim filing.

Many young people modify their vehicles with changes that fall below safety standards. Consequently, insurers implement their modification policies with these experiences in mind.

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Disability Car Insurance Coverage

Candidates for policies have to disclose health restrictions in addition to vehicle modifications at the time they receive the quote. If policyholders file a claim, they will not be able to recover damages to the vehicle unless the modifications were declared up front.

If policyholders file a claim, they will not be able to recover damages to the vehicle unless the modifications were declared up front. Still, replacement parts may be factory standards as opposed to any customized purchases.

Every state requires a minimum amount of coverage. Disabled drivers must adhere to them as able-bodied drivers. Although there are differences, most states require an average of:

Although there are differences, most states require an average of:

  • $25,000 for bodily injury or property damage
  • $50,000 for total damages in one occurrence
  • $25,000 for collision

Anything over and above that amount is up to the prospective policyholder. Plans vary between companies as well.

It may not be a bad idea to make sure you have 24-hour road coverage and rental car replacement coverage.

Some disabled drivers have standard cars but sometimes have caregivers drive them around.

In these cases, insurance companies require the caregiver be added to the disability car insurance policy. They generally have to take the caregiver’s driving record into consideration.

Discrimination and Disability Car Insurance

Many companies are increasing premiums on disabled drivers. They consider disabled drivers to be high-risk.

Insurance companies justify premium increases for vehicle modifications and risk factors, and some are not above denying coverage altogether.

Loopholes in the law help carriers to justify their decisions to deny some disabled applicants.

Some organizations like the American Driving School offer courses to drivers with disabilities. There are several other organizations that are geared to help the disabled in their community with maintaining mobility.

How to Shop For Disability Car Insurance

When shopping for disability car insurance, it is recommended that you get enough coverage for your vehicle modifications in addition to state required minimums.

There are insurance carriers that specialize in helping to insure disabled drivers.

Other mainstream carriers also go the extra mile to accommodate disabled drivers. Online information is available if you want to research options before making a final decision on the policy of your choice.

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Saving on Disability Car Insurance

Disability car insurance applicants are eligible for just as many savings as any other type of vehicle insurance applicant. Here is where you can boast your clean driving record and credit report.

Your zip code is going to have a huge impact, but the hand controls, accessibility ramp, and other accessories may add to your policy rather than subtract. To counter the increase, other safety and security features are taken into consideration.

Certain wheelchair accessible vehicles are manufactured for this purpose and therefore do not require extra modifications.

The Honda Odyssey and Dodge Caravan are examples of vehicles already equipped to accommodate wheelchair drivers and riders. With the advancement in technology, many new vans are being manufactured to assist disabled drivers.

What to Pay for Disability Car Insurance

Disability car insurance is, on average, slightly higher than a typical car insurance premium. There are usually not auto discounts for disabled drivers. Carriers can even charge higher premiums for those with disabilities who need modifications to their vehicles or who require blue badges.

A policy acquired by someone who falls in a high-risk category may be around $900 to $1,500 per year. Each circumstance is different, but anything over $1,500 for one driver and one vehicle should be scrutinized more carefully.

To get car insurance quotes on disability car insurance, enter your zip code below!

Car Insurance Rates for the Disabled

  • The average premium for disabled car insurance is around $1,000 per year
  • Some insurance companies may charge higher premiums for disabled drivers
  • If you are searching for disability car insurance, compare rates from several companies to find the best deal

As a disabled driver, initial costs to modify your vehicle for safety — including hand controls or wheelchair access — can increase monthly and lifetime maintenance costs of your car.

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Maintaining a properly modified vehicle can help you save on auto insurance rates.

If you haven’t compared your rates over the past year, identifying the most affordable disabled driver car insurance may help you save money.

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What To Do Before Buying Disabled Auto Insurance

According to the U.S. Census Bureau, at least one in five Americans is disabled.

Many Americans must deal with driving obstacles that other drivers aren’t required to face. Disabled drivers may pay higher car insurance rates even if they haven’t had an accident or moving violation for three years or more.

The best ways to save on disabled car insurance rates include:

  • Properly modifying your vehicle according to state-recommended standards
  • Comparing your insurance rates with those of other providers
  • Finding discounts

Vehicle Modification

Some car insurance providers claim that your modified vehicle is heavily modified. Drivers modify a vehicle for many reasons.

A street racer may modify a classic car although the modification isn’t required for safety. This kind of modification may add higher car insurance rates to the costs of owning and maintaining the car.

However, a vehicle modified to proper safety standards for a disabled driver is different than a heavily modified street racer.

Your vehicle may have hand controls to allow you to steer safely and operate the car.

If you use a wheelchair, your vehicle may have ramps. Let your insurance agent know these modifications are required for safe driving.

Properly disclose the existence of these modifications to your vehicle by writing a letter to your insurance company.

Then let your car insurance provider know you’re interested in affordable disabled driver car insurance.

Car insurance helps protect you and your vehicle from the financial impact of personal injury and vehicle damage in an auto accident.

Disclosing your vehicle’s modifications is important to your insurance company’s ability to underwrite your policy.

In the event of a car accident, the insurance company must pay to repair or replace the modifications made to your car. Make sure your policy lists the safety-required modifications made to your car as a disabled driver.

Many disabled drivers have safe driving records. Perhaps you’ve never had an accident, and you’re always especially careful when driving a car.

You’ve taken defensive driving courses and received special training for operating the hand controls installed in your car.

That’s another reason your car insurance provider may potentially lower your car insurance rates.

Do Your Research

Many people dislike shopping for car insurance, and disabled drivers may worry that their existing provider is the only outlet for their needs.

That’s certainly not the case today. As the aging of the Baby Boom generation continues, demographers predict higher rates of disability in the American population.

Car insurance companies continue to add disabled coverage for that reason.

If you work with an attorney, ask her about what companies she prefers for disabled car insurance. Premium rates shouldn’t be your only consideration.

Once you’ve identified the field of disabled car insurance providers, contact your state insurance department to inquire about customer complaints.

If an insurance provider has many customer complaints (especially those that remain open after 12 months), ask questions.

Your goal to identify affordable rates shouldn’t include accepting an insurance company without sufficient financial resources.

Make sure to learn about any insurance company’s financial rating from A.M. Best, Standard & Poor’s, Moody’s, or other nationally recognized statistical raters.

A car insurance provider without financial resources may not have the ability to pay a claim presented in the future!

Make sure to disclose properly any limitations on your driver’s license or any medical issues that could affect your ability to safely operate a vehicle.

By providing this information at the insurance quote stage, you’ll receive accurate quotes for disabled car insurance coverage.

Enter your zip code below to access car insurance rates from top companies in your area today!


  1. https://www.nmeda.com/tips-on-buying-auto-insurance-for-those-with-disabilities/
  2. https://www.infinitec.org/car-modifications
  3. https://www.360financialliteracy.org/Topics/Insurance/Cars-and-Auto-Insurance/State-by-State-Minimum-Coverage-Requirements
  4. https://www.sharecare.com/health/caregiving/whats-a-caregiver
  5. https://www.wikihow.com/Check-Your-Driving-Record-Online
  6. https://www.americandrivingschool.com/disabled.html
  7. https://automobiles.honda.com/odyssey/
  8. https://en.wikipedia.org/wiki/Dodge_Caravan

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