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 4, 2020

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Here's what you need to know...

  • Auto insurance carriers may consider your age, but not too much focus is on your health
  • Having a pacemaker should not directly impact the premium you pay for car insurance
  • As with any new customer, you want to shop the insurance market if you have a pacemaker to find the best value

Health issues are unfortunately something that all of us are going to have to deal with at some point in our life.

One very common thing that many people benefit from is that of a pacemaker. A pacemaker is a tiny device that assists our heart to keep it at a steady beat.

When you are shopping for auto insurance, though, does having a pacemaker impact anything? Will a pacemaker play a role in your ability to purchase auto insurance, and if not, will it at least have a bearing on the price point that you pay?

Car insurance providers have it down to a near science regarding what certain risks presented to them will pay in exchange for coverage, limits, and for their policy overall.

The factors that they consider though are usually exclusive of the state of your health overall when purchasing a car insurance policy.

Simply put, a pacemaker itself is not going to impact your auto insurance rates and the overall premium directly, but it can play a role. Let us dive into this in a bit more detail.

If you are concerned about your health’s effect on your auto insurance rates and want more affordable coverage, enter your ZIP code above and compare at least three to four other policies today!

Table of Contents

The State of Your Health

The state of your health typically does not have an impact on its own regarding what you are going to pay for health insurance.

If you are someone that is obese, someone that has a pacemaker, or maybe suffers from a different type of health issue, that is not going to be explored while you are shopping for auto insurance.

Car insurance carriers are typically going to collect the information on your vehicle, the driving habits that you have, as well as your state-issued drivers’ license. The drivers’ license will reveal to them all of the personal information that they are going to utilize in pricing out your policy overall.

What the drivers’ license does not have will be all of your health information.

If you are legally blind or have some driving restriction that is a part of your license, sure that will play a factor. The results of your motor vehicle record with the state, though, will not say whether or not you have a pacemaker.

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Determining Rates

The insurance rates that are set by auto insurance carriers will be the driving force behind what you end up paying for your auto policy.

The rate determination is based on that motor vehicle record in a big way. A pacemaker may not appear on that report, but whether or not you are considered a senior citizen will.

Age is something that can impact your rates, along with the car that you drive, where you live, driving habits, and so on.

The other factor at play here is your accident record. Say your pacemaker malfunctioned and that caused you to end up in a car crash in the past and a related auto claim.

The car accident, which may have been a direct result of a malfunctioning pacemaker, would impact your rates. It is not that the pacemaker itself impacts them, it is the accident that causes the spike. That distracted driving incident could affect the auto premium.

Every Insurer is Different

Every single insurance carrier is going to be different regarding how they end up calculating the premium on an auto policy. Some of them are going to put more focus on your driving history, while others may focus more on your age.

The important thing to note here is that there is no standard formula. While having a pacemaker is typically not something that is asked by a car insurance carrier, accidents that resulted from it may cause insurance premiums to spike.

Some insurers will offer lower premiums, even if you have poor driving history, as long as you shop around and seek them out.

Having a pacemaker should not preclude you from being able to purchase auto insurance; it really should not even be a factor insurance companies consider.

As a consumer, though, you always want to shop the market. See what is out there amongst the various car insurance carriers for coverage and limit offerings. Find that balance of coverage, limits, deductible, and customer service, in exchange for a fair premium.

When you price compare, you will typically end up with the exact policy and premium you are looking for, no matter the state of your health or driving record.

Start comparison shopping today for better auto insurance rates by entering your ZIP code below!