Compare Car Insurance Rates for Disabled Drivers in 2024 (Top 10 Companies)
Compare car insurance rates for disabled drivers with top providers, Progressive, USAA, and State Farm. Analyze why these companies excel in offering comprehensive and affordable coverage tailored to individuals with distinct mobility requirements.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 15, 2024
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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: Apr 15, 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.
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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
Discover car insurance rates for disabled drivers offered by top companies like Progressive, USAA, and State Farm. Analyze rates and accommodations for unique needs, including vehicle modifications and cost-saving measures. Explore how these insurers cater to the specific requirements of disabled drivers.
Company | Rank | See Pros/Cons | Maximum Multi-Policy Discount | Maximum Low-Mileage Discount | Best For |
---|---|---|---|---|---|
#1 | Progressive | Up to 12% | Up to 10% | Online Convenience | |
#2 | USAA | Up to 10% | Up to 20% | Military Savings | |
#3 | State Farm | Up to 17% | Up to 15% | Many Discounts | |
#4 | Allstate | Up to 10% | Up to 15% | Add-on Coverages | |
#5 | Nationwide | Up to 10% | Up to 20% | Usage Discount | |
#6 | Farmers | Up to 10% | Up to 30% | Local Agents | |
#7 | Liberty Mutual | Up to 30% | Up to 25% | Customizable Polices | |
#8 | Esurance | Up to 10% | Up to 20% | 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: Online Convenience and Custom Coverage Champions
Progressive, with its emphasis on online convenience and custom coverage, stands out as the top choice for disabled drivers seeking comprehensive and tailored insurance solutions.
Melanie Musson Published Insurance Expert
Pros
- Online convenience: Progressive stands out for its user-friendly online platform, making it easy for disabled drivers to manage their policies, file claims, and access resources conveniently.
- Discount options: Progressive offers a maximum multi-policy discount of up to 12%, providing cost savings for disabled drivers who bundle their car insurance with other policies.
- Low complaint level: With a low complaint level, Progressive demonstrates a commitment to customer satisfaction, indicating a positive experience for disabled drivers.
Cons
- Average rates: While Progressive offers competitive rates, disabled drivers might find that the average monthly rates for both minimum and full coverage are in line with industry standards.
- Limited military savings: Progressive doesn’t cater specifically to military personnel, lacking the substantial military savings offered by companies like USAA.
Read more: Progressive Car Insurance Review
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#2 – USAA: Military Savings and Unparalleled Customer Satisfaction
Pros
- Military savings: USAA, designed for military members and their families, offers significant military savings with a maximum multi-policy discount of up to 10% and a low complaint level, providing cost-effective coverage.
- High customer satisfaction: USAA consistently receives high ratings for customer satisfaction, ensuring a positive experience for disabled drivers through its dedicated service and support.
- Generous low-mileage discount: Disabled drivers who don’t use their vehicles frequently can benefit from USAA’s maximum low-mileage discount of up to 20%, contributing to potential cost savings.
Cons
- Limited accessibility: USAA membership is exclusive to military personnel and their families, excluding a significant portion of the disabled driver population who may not qualify for membership.
- Slightly higher full coverage rates: While USAA offers competitive rates, disabled drivers might find that the full coverage rates are slightly higher compared to other providers in the top 10 list.
Read more: USAA Car Insurance Review
#3 – State Farm: Many Discounts and Tailored Coverage Specialists
Pros
- Many discounts: State Farm provides a wide range of discounts, including a maximum multi-policy discount of up to 17%, offering diverse opportunities for disabled drivers to save on their car insurance.
- Low complaint level: With a low complaint level, State Farm emphasizes customer satisfaction, providing a positive experience for disabled drivers in terms of service and support.
- Usage discount: State Farm offers an up to 15% usage discount, beneficial for disabled drivers who don’t frequently use their vehicles, contributing to potential premium savings.
Cons
- Average online convenience: While State Farm provides online services, it may not be as user-friendly or offer the same level of online convenience as some other providers like Progressive.
- Slightly higher rates: State Farm’s average monthly rates for both minimum and full coverage may be slightly higher compared to some competitors, impacting the overall cost for disabled drivers.
Read more: State Farm Car Insurance Review
#4 – Allstate: Excellence in Add-Ons and Competitive Discounts
Pros
- Add-on coverages: Allstate offers a variety of add-on coverages, allowing disabled drivers to customize their policies based on individual needs, providing a comprehensive and tailored insurance solution.
- Competitive discounts: With a maximum multi-policy discount of up to 10%, Allstate provides opportunities for cost savings, especially for disabled drivers who bundle their car insurance with other policies.
- Wide range of services: Allstate goes beyond basic coverage, offering additional services like roadside assistance and rental car reimbursement, enhancing the overall experience for disabled drivers.
Cons
- Average complaint level: Allstate’s complaint level is average, indicating that while many customers are satisfied, there may be room for improvement in certain aspects of customer service.
- Standard usage discount: Allstate offers a standard usage discount of up to 10%, which may be less appealing for disabled drivers seeking higher potential savings based on their limited vehicle usage.
Read more: Allstate Car Insurance Review
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#5 – Nationwide: Leading With Usage Discounts and Customizable Policies
Pros
- Usage discount: Nationwide provides an up to 20% usage discount, making it an attractive option for disabled drivers who don’t use their vehicles frequently, contributing to potential premium savings.
- Competitive multi-policy discount: With a maximum multi-policy discount of up to 10%, Nationwide offers opportunities for disabled drivers to save on their car insurance by bundling with other policies.
- Customizable policies: Nationwide emphasizes customizable policies, allowing disabled drivers to tailor their coverage to specific needs, ensuring a personalized and comprehensive insurance solution.
Cons
- Moderate complaint level: Nationwide’s complaint level is moderate, suggesting that while many customers are satisfied, there may be room for improvement in certain aspects of customer service.
- Average online convenience: Nationwide provides online services, but it may not offer the same level of online convenience as some other providers, potentially impacting the user experience for disabled drivers.
#6 – Farmers: Local Triumphs and Maximum Low-Mileage Discounts
Pros
- Local agents: Farmers provides the advantage of local agents, offering personalized assistance to disabled drivers, ensuring a more hands-on and locally tailored approach to insurance.
- Maximum low-mileage discount: With a maximum low-mileage discount of up to 30%, Farmers presents a significant opportunity for disabled drivers who don’t frequently use their vehicles to achieve substantial cost savings.
- Competitive multi-policy discount: Farmers offers a competitive maximum multi-policy discount of up to 10%, providing additional savings for disabled drivers who bundle their car insurance.
Cons
- Average complaint level: Farmers’ complaint level is average, suggesting that while many customers are satisfied, there may be room for improvement in certain aspects of customer service.
- Online accessibility: While Farmers has online services, the accessibility and user-friendliness may not match those of providers like Progressive, potentially impacting the experience for disabled drivers who prefer online interactions.
Read more: Farmers Car Insurance Review
#7 – Liberty Mutual: Victory Lap With Customizable Policies and High Discounts
Pros
- Customizable policies: Liberty Mutual offers highly customizable policies, allowing disabled drivers to tailor their coverage to specific needs and preferences, ensuring a personalized and comprehensive insurance solution.
- High maximum discounts: With a maximum multi-policy discount of up to 30% and a maximum low-mileage discount of up to 25%, Liberty Mutual provides substantial opportunities for disabled drivers to achieve significant cost savings.
- Wide range of coverage options: Liberty Mutual provides a diverse range of coverage options, including add-ons and customizable policies, giving disabled drivers the flexibility to choose the protection that best suits their unique circumstances.
Cons
- Average complaint level: Liberty Mutual’s complaint level is average, indicating that while many customers are satisfied, there may be room for improvement in certain aspects of customer service.
- Potentially higher rates: Liberty Mutual’s premium rates may be higher on average compared to some competitors, which could impact the overall cost for disabled drivers.
Read more: Liberty Mutual Car Insurance Review
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#8 – Esurance: Edge in Policy Options and Online Convenience
Pros
- Policy options: Esurance offers a variety of policy options, providing flexibility for disabled drivers to choose coverage that aligns with their specific needs and preferences.
- Maximum low-mileage discount: With a maximum low-mileage discount of up to 20%, Esurance provides an opportunity for disabled drivers who don’t use their vehicles frequently to achieve cost savings on their car insurance.
- Online convenience: Esurance stands out for its online convenience, offering a user-friendly platform that allows disabled drivers to manage policies, file claims, and access resources easily from the comfort of their homes.
Cons
- Moderate complaint level: Esurance’s complaint level is moderate, suggesting that while many customers are satisfied, there may be room for improvement in certain aspects of customer service.
- Limited multi-policy discount: Esurance provides a maximum multi-policy discount of up to 10%, which may be lower than some competitors, offering fewer opportunities for disabled drivers to save by bundling with other policies.
#9 – Hartford: Finish Line With Deductible Reduction and Extensive Discounts
Pros
- Deductible reduction: Hartford offers a unique advantage with a deductible reduction of up to 20%, providing potential cost savings for disabled drivers in the event of a claim.
- Maximum low-mileage discount: With a maximum low-mileage discount of up to 20%, Hartford presents an opportunity for disabled drivers who don’t frequently use their vehicles to achieve significant premium savings.
- Wide range of discounts: Hartford provides various discounts beyond multi-policy and low-mileage, giving disabled drivers diverse opportunities to save on their car insurance premiums.
Cons
- Limited online accessibility: While Hartford offers online services, the accessibility and user-friendliness may not match those of providers like Progressive, potentially impacting the experience for disabled drivers who prefer online interactions.
- Lower multi-policy discount: Hartford offers a maximum multi-policy discount of up to 5%, which is lower compared to some competitors, limiting the potential for significant savings when bundling policies.
#10 – American Family: Standout Student Savings and Generous Low-Mileage Discounts
Pros
- Student savings: American Family stands out with student savings, offering a maximum multi-policy discount of up to 20%, providing cost-effective coverage for disabled drivers with students on their policies.
- Maximum low-mileage discount: With a maximum low-mileage discount of up to 30%, American Family presents a substantial opportunity for disabled drivers who don’t frequently use their vehicles to achieve significant premium savings.
- Diverse discounts: American Family offers a range of discounts beyond multi-policy and low-mileage, giving disabled drivers various opportunities to save on their car insurance.
Cons
- Average complaint level: American Family’s complaint level is average, indicating that while many customers are satisfied, there may be room for improvement in certain aspects of customer service.
- Potentially higher rates: American Family’s premium rates may be higher on average compared to some competitors, which could impact the overall cost for disabled drivers.
Read more: American Family Car Insurance Review
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Showcasing the Top 10 Car Insurance Companies Catering to Disabled Drivers
Examining the rates of the top 10 car insurance companies catering to disabled drivers reveals a diverse landscape of affordability and coverage options. USAA stands out as one of the most budget-friendly choices, offering minimum coverage at $90 per month and full coverage at $185.
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 |
Hartford | $100 | $215 |
American Family | $88 | $200 |
American Family and State Farm also present competitive rates, with American Family charging $88 for minimum coverage and $200 for full coverage, and State Farm at $98 for minimum coverage and $190 for full coverage. These companies not only provide cost-effective solutions but also cater to the unique needs of disabled drivers.
Further into the list, Progressive showcases monthly rates of $105 for minimum coverage and $205 for full coverage, emphasizing both affordability and comprehensive coverage tailored to the disabled community. Liberty Mutual, with rates of $97 for minimum coverage and $230 for full coverage, positions itself as an accessible option committed to meeting the diverse needs of disabled individuals.
The rates offered by Nationwide, Farmers, Esurance, and Hartford fall within a moderate range, providing additional choices for disabled drivers seeking reliable and reasonably priced insurance.
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.
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.
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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, such as the American Driving School, offer specialized courses to drivers with disabilities. These courses aim to provide comprehensive training and support to individuals facing unique challenges.
In collaboration with experienced driving instructors (read our “Compare Driving Instructor Car Insurance Rates” for more information), these programs cater to diverse needs, ensuring that individuals with disabilities can confidently navigate the roads. 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.
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.
Read more: Compare Wheelchair-Accessible Vehicle Insurance Rates
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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.Type in your zip code above to receive FREE quotes on car insurance!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.
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
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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!
Case Studies: Navigating Disability Car Insurance Challenges
Case Study 1: Emma’s Modified Vehicle Dilemma
Emma, a young driver with a disability, customized her vehicle with hand controls to ensure safe driving. When filing a claim after a minor accident, she faced hurdles due to her failure to disclose the modifications upfront. This emphasizes the importance of transparently reporting vehicle alterations to prevent complications during the claims process.
Case Study 2: James and the Premium Predicament
James, an experienced driver with a disability, witnessed a sudden increase in his insurance premiums. The insurance company justified the hike, citing vehicle modifications and perceived risk factors. This raises concerns about potential discrimination against disabled drivers and underscores the need for fair premium assessments based on individual driving records.
Case Study 3: Sarah’s Search for Inclusive Coverage
Sarah, a wheelchair user, sought car insurance that accommodated her unique needs. While exploring various options, she discovered insurance carriers specializing in disability coverage. This highlights the importance of researching and identifying insurance providers willing to go the extra mile to cater to the requirements of disabled drivers.
Frequently Asked Questions
How do insurance companies handle vehicle modifications for disabled drivers?
Insurance companies typically require proof of vehicle modifications made by disabled drivers and may request certification of these modifications at the time of claim filing. It’s essential for policyholders to disclose modifications upfront to avoid complications during the claims process.
What health and vehicle-related disclosures are required for disability car insurance coverage?
When obtaining disability car insurance quotes, candidates must disclose both health restrictions and vehicle modifications. Failure to disclose modifications upfront may result in an inability to recover damages related to those modifications in the event of a claim.
Are disabled drivers subject to discrimination in car insurance premiums?
Unfortunately, some insurance companies may increase premiums for disabled drivers, considering them high-risk. This discrimination is often based on vehicle modifications and perceived risk factors. It’s crucial for disabled drivers to explore options and choose insurers willing to accommodate their unique needs.
How can disabled drivers save on car insurance premiums?
Disabled drivers are eligible for various savings, similar to other drivers. Factors such as a clean driving record, good credit, and vehicle safety features can contribute to lower premiums. Additionally, researching insurance carriers specializing in disability coverage and comparison shopping are recommended.
What should disabled drivers consider before buying disability car insurance?
Before purchasing disability car insurance, drivers should ensure they have enough coverage for vehicle modifications, in addition to meeting state-required minimums. Proper disclosure of modifications is critical, and drivers may explore insurers specializing in disability coverage.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
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.