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Key Takeaways

  • The Americans with Disabilities Act (ADA) prohibits insurance firms from increasing a driver's auto insurance rates based solely on their impairment.
  • The auto insurance policies that apply to drivers with disabilities will be the same as those that apply to other drivers, but they can choose additional safeguards, such as mobility auto insurance coverage, that offer particular protections for damage to customized or specialized vehicles or equipment.
  • Non-profit organizations that assist those with impairments frequently pay all or part of the cost of adapting a vehicle.
  • Despite the fact that there are regulations prohibiting insurance companies from raising premiums for disabled drivers, they nonetheless do it under the guise of risk.
  • If you don't have collision, comprehensive, or any other supplemental coverage, you won't be protected in the event of an accident or total loss.

Car Insurance for disabled drivers

According to the Americans with Disabilities Act (ADA), insurance companies cannot raise a driver's auto insurance premiums due to their impairment alone. However, drivers and passengers with disabilities might have to pay higher premiums.

Higher insurance premiums for people with disabilities may result from the increased safety hazards brought on by specific medical conditions. Modifications to vehicles and the higher insurance costs associated with them, such as wheelchair vans, are additional cost considerations.

What is disability car insurance?

The Americans with Disabilities Act (ADA) prohibits insurance companies worldwide from charging disabled drivers and passengers additional premiums solely on the basis of their impairment. Therefore there isn't really such a thing as disability auto insurance coverage. Drivers with disabilities will receive the same auto insurance policies as other motorists, while they may choose extra protections, including mobility auto insurance coverage, that provide specific safeguards for harm to customized or specialized cars or equipment.

The following conditions may be present in disabled drivers and passengers, while this list is not exhaustive:

  • Paraplegic or amputee
  • Spinal palsy
  • Epilepsy
  • Loss of vision or hearing
  • Neurological disorders or mental illness
  • Stroke
  • Using a wheelchair

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Modifying your vehicle

Emergency brake extension

A mechanical hand lever or foot-operated brake that serves as a backup braking mechanism is a parking brake, also known as an emergency brake or e-brake. You'll find it either between the front two seats or to the left of the gas and brake pedals.

Pedal extenders

Pedal extensions, sometimes known as pedal extenders, are bolt-on accessories that move the car's pedals closer to the driver, giving those with short statures more room between them and the steering wheel. These may cost you around $180.

Steering knobs

This low-profile steering wheel knob may be used with your hand and is compatible with the majority of automobiles. This metal and silicon combination knob is designed to fit the most common steering wheels. For a better fit, pads and rubber inserts are included, as is a heavy-duty vehicle-specific aluminum knob with zinc-plated mounts and a tall shaft for improved steering control. The following are some of its benefits:

  • Simple to install with no screws or knobs
  • Offers a strong and comfortable grip
  • For simple use, a knob is attached to the middle of the wheel.

Steering knobs are easily available at a price range from $90 to $175.

Manual wheelchair ramps

An inclined plane that is used in place of or in addition to steps is called a wheelchair ramp. Ramps make it easier for those using wheelchairs, as well as those pulling strollers, carts, or other wheeled things, to enter a building or move between spaces of various heights.

By hand, these ramps can be opened and closed. Their straightforward construction and functionality also make maintenance simple and ensure that repairs are few, if ever necessary. Some of its added benefits are:

  • Manual ramps are simple to use and may be operated with one hand.
  • The ramp is simpler to maintain than an automatic ramp. This is because of its simple construction and lack of moving parts.
  • Because they are more affordable, manual ramps are an excellent option for people on a budget.

The cost of manual wheelchair ramps ranges from $100- $300.

Left foot accelerator

For those who have limited or no use of their right foot, the accelerator functions of the car can be operated with a left foot accelerator pedal. Once the car has been started, a push button switch is needed to activate the system and switch control to the left accelerator pedal. When this is done, the (right) OEM pedal is not operable, and only the left pedal is.

After the ignition is turned off in the car, the system automatically defaults to the right-side accelerator pedal. The gadget doesn't need to be taken out. You may get this add-on at a price of $100- $300.

Mechanical hand control

Drivers can use their hands instead of their feet to manage the brake and accelerate, thanks to mechanical hand controls. The car can still be operated without the usage of the alterations because the pedal functions have been preserved. A mechanical hand control can cost you $250+.

Transfer seats

As an alternative to driving or riding while sitting in their wheelchair, transfer seats are specifically made to assist a person with a handicap shift from their wheelchair or scooter into a vehicle's driver or passenger seat. Transfer seats are available at $3300. The following are some of its benefits:

  • Installation is simple.
  • Stability
  • Adjustment

Wheelchair lift

A wheelchair lift sometimes referred to as a platform lift or vertical platform lift, is a fully powered device made to elevate a wheelchair and its user over a stair or other vertical obstacle.

In order to comply with the requirements for accessibility set forth by disability acts, wheelchair lifts can be placed in residences or businesses and are frequently added to both private and public transportation. A wheelchair lift is pricier than the other modifications and costs anywhere between $1500- $14000.

Amputee rings

An amputee can operate the steering wheel with the help of an amputee ring, a small steel ring that is attached to the wheel. By securely fastening their prosthetic to the wheel, it helps a driver steer their car. It functions similarly to a standard spinner knob. It has a quick-release button for simple removal.

Siren detectors for the hearing impaired

LEDs and vibration tools are used in the emergency vehicle alarm system for hearing-impaired drivers. The goal of this is to create a portable system that can recognize these cars' audio emergency signals and notify the user of their existence.

A repeating series of pulses are produced after the signal is processed using analog blocks after being collected by a microphone.

Wheelchair- adjustable seats and seatbelts

A safety belt that has been specially developed or modified for use by a person with a physical handicap or disability and that is intended for use alone by such a person is what is meant by this definition.

Wheelchair-adjustable seats are specific vehicle seating choices that make it easier for wheelchair users who choose to drive or ride in the car.

How to finance vehicle modifications

It is usually a case-by-case exercise to determine which modifications you make to your car will and won't be covered by your supplier. Before you spend a lot of money on pricey equipment that you could have to pay for out of pocket, make sure. In general, though, insurers are more likely to pay for adaptations like steering aids, wheelchair lifts and restraints, hand controls, and power-assisted seats.

On the other hand, be aware that having a policy that includes collision and comprehensive coverage is frequently necessary for your insurer to offer the coverage you need. No matter how inexpensive your car improvements are, your supplier is unlikely to pay for them if you don't have certain parts.

There are still a few more options available to you to help you pay for any necessary repairs to your car if you are unable to convince your provider to cover them. If you can demonstrate that your disability is the result of an injury you had while working, worker's compensation, for instance, may cover the cost of any new equipment you require. However, obtaining this result involves a frequently difficult legal procedure, and success is not guaranteed.

Additionally, non-profit groups that support people with disabilities frequently contribute to the expense of modifying a car, whether it be in full or in part. You may find out more about these groups in your area by getting in touch with the state government office that deals with services for individuals with disabilities.

If everything else fails, research the regulations governing car modification in your state. If you can obtain a doctor's prescription for their usage, many states will eliminate the sales tax on such alterations. Other states may see the adjustments as a tax-deductible expense. You can learn more from a knowledgeable tax expert.

Cost factors of car insurance for disabled drivers and passengers

In order to avoid losing coverage or having their claim paid out after an accident, disabled drivers and passengers should constantly remind their insurance provider about their medical issues and any modifications made to their vehicles.

Disability and Safe Driving

Only when a medical condition makes driving more dangerous for you or other drivers, and this risk is represented by a change in your license status, should disabilities affect your auto insurance costs. Insurance companies are not allowed to exclude disabled drivers from coverage or raise their rates solely on the basis of their disability.

Epilepsy, a neurological ailment that can cause an unexpected loss of consciousness, is one medical condition that may raise quotations by raising the risk of driving safely.

Car Insurance for Disability Adapted Vehicles

Your doctor will probably advise the DMV or the proper state court to suspend your license if they determine you are not fit to drive. A doctor might occasionally give the go-ahead for a disabled motorist to drive under certain restrictions.

Your driver's license will show any medical clearance needed to drive. Additionally, automobile insurance providers may charge higher premiums if a medical certificate is required in order to drive due to the heightened safety risk.

Coverages for disabled drivers and passengers

If you are a disabled driver or passenger, you may want to think about choosing supplemental insurance coverages that will accommodate your condition and safeguard you in the event of physical harm or damage to your vehicles, such as roadside assistance and disability car insurance coverage.

The following coverages are commonly included in a typical full-coverage auto insurance policy:

Personal liability: Injuries or property damage to other drivers and their vehicles are covered by personal liability coverage.

Collision and comprehensive coverage: These coverages pay for vehicle damage. The costs of bodily injury to you or your passengers in an accident are covered by personal injury protection (PIP) and medical payments (Med Pay).

Uninsured and underinsured motorists: When you are involved in an accident with an uninsured or underinsured driver, uninsured and underinsured motorist coverage pays for your medical expenses and car damage.

Additional coverage

For a driver or passenger with a disability, additional coverages are:

Towing, roadside help, and pickup: after an accident, all these all included under roadside assistance coverage.

Damage or special equipment coverage: Coverages to unique components fitted in your cars, such as wheelchair ramps or specialty mirrors, is covered under adaptation or special equipment coverage. Verify that your policy includes items like a walker, wheelchair, or motorized scooter that aren't necessarily tied to your vehicle.

Mobility car insurance: If your vehicle with accommodations is being repaired after an accident, interim transportation expenses are covered by mobility car insurance.

Other considerations while searching for car insurance with disability

Here are a few more considerations for drivers with disabilities looking for auto insurance.

Driving with a medical clearance

Most disabled drivers can drive without a doctor's permission. Your local DMV will evaluate your suitability for driving and use its discretion in deciding whether to impose any restrictions on your license. However, many insurance companies may need a formal statement from a doctor stating that you represent no risk to other people.

Risk mitigation

If your disability makes it difficult for you to drive, your insurance company may increase your premium or require you to take steps to reduce the risk you pose to other people or to yourself. This could entail receiving additional medical care, equipping your automobile with the essential safety features, or enrolling in some kind of driver rehabilitation program where an occupational therapist will determine your best course of action going ahead.

Modifying your car

You could want extra insurance if you equip your car with costly technologies to make driving while disabled easier. It's possible that your current policy won't fully cover the costs of repairing or replacing such pricey additions in the case of a catastrophe.

Though it's not always the case, many providers will demand that you modify your car as needed to show that you don't pose a risk when driving.

Each provider will have its own specific requirements. Check with each to determine your exact position. The following is a list of typical alterations along with an approximation of how much it could cost to have them installed:

Alteration Rate
Extension of the emergency brake $80
Pedal extenders $180
Steering wheel $90-$175
Wheelchair ramp, manual $100-300
Left foot accelerator $100-300
Mechanical hand switch $250+
Ticket exchanges $3,300
Lift for wheelchairs $1,500 to $14,000

Can insurance companies charge people with disabilities more?

This is a challenging question. Despite the fact that there are rules in place that forbid insurance companies from charging disabled drivers higher premiums, they continue to do so under the pretext of risk. A driver with impaired eyesight is viewed by an insurance company as a riskier driver and client than a driver without impaired vision.

In the majority of states, insurance firms base your premium payment on a variety of risk variables. Car insurance is directly impacted by significant factors, such as your vehicle and driving record. Nearly every state makes use of other grading elements, including your credit score, gender, and even your driving skills.

Even though you might think it's unfair, an insurance company may increase your premium if you have a certain type of policy.

Can car insurance companies prevent you from driving?

Your specific DMV department and a medical professional should make that determination, not your insurance carrier or the insurance industry as a whole. Contact your state's DMV office for more information if you're unsure of your own restrictions.

What is not covered for modified vehicles?

You won't be covered in the event of an accident or total loss if you don't have collision, comprehensive, or any additional coverage. You, therefore, have no coverage with a liability-only policy, regardless of your level of disability.

Reimbursement programs

The following list of manufacturing firms offers reimbursement plans for vehicles used to transport specialist equipment. Usually, this means providing financial assistance to cover the cost of any adaptive equipment you might want, such as a van conversion, scooter lifts, wheelchair lifts, hand controls, tie-downs, or rotating car seating. Depending on the business you choose, you might win anything from $500 to $1,200. Here are some businesses that take part:

Check out the following resources if you need further assistance:

  • Veterans Affairs Department: The VA might have some choices for you if you become disabled while serving your country in terms of making your car accessible.
  • The Mobility Resource: This is an online marketplace where people may find wheelchair-accessible vans all throughout the US.
  • Accessibility Center: This is a website with over 100 dealerships across the US that showcases the latest accessibility trends.
  • Accessible Vans of America, LLC: This is exclusively for accessible van rentals.
  • Training for your adaptive equipment is provided via adaptive driver education.

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Scooter insurance

Some disabled motorists choose to use a moped or scooter rather than a car or van. Since several major national insurers, provide affordable scooter insurance policies, you can compare rates for moped and scooter insurance.

How to find car insurance for disabled drivers and passengers

Look around with an insurance agent or on your own through if you have a disability and need affordable auto insurance. Comparing prices and coverage options from various auto insurance providers is worthwhile because car insurance costs can vary significantly.

Additionally, you can search for savings that might apply to you, such as incentive bundling, low mileage, multi-vehicle, and others. Furthermore, pay-per-mile auto insurance might be a good option if you don't often drive because it's frequently less expensive.

What to know about auto insurance discrimination laws?

Knowing your rights is crucial whether you require auto insurance and are a disabled driver, passenger, or are temporarily disabled. This will help you avoid being treated unfairly. The Americans with Disabilities Act (ADA), a significant federal statute, forbids insurance companies from raising policy premiums solely on the basis of a driver's impairment.

Companies are prohibited from turning away clients based on their gender, ethnicity, religion, or impairments under other federal consumer protection regulations. To learn about any additional safeguards for drivers and passengers with disabilities in your state of residence, you should also examine local laws.

Last but not least, having a poor income, being disabled and unable to work, or being on Medicaid are not reasons to be refused auto insurance, and there are frequently local resources like NGOs that focus on disabilities that may help you discover lower rates. Similarly, if you are a handicapped veteran or member of the military, you have plenty of options for finding affordable auto insurance and discounts.

To wrap it up

Using Way to obtain disability drivers' insurance quotes is really straightforward! Visit our website to compare insurance quotes from different companies. The best choice is to purchase the cheapest available coverage from insurers that provide disabled drivers' insurance. Do you still question your ability to obtain a quote? Then speak with one of our representatives. They can assist you in locating the most affordable insurance for you!

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with


Can I get a discount on car insurance if I'm on social security?

Not immediately. Insurance companies rate you based on your age and occupation, but not if you are currently receiving social security.

Are there car insurance discounts for drivers with disabilities?

Typically, no. Standard insurance providers won't immediately provide you with savings based on your level of impairment. However, international connected programs or non-profits might.

Why is my disabled status an auto insurance rating factor?

Usually not. Based on your level of disability, standard insurance providers won't immediately offer you savings. However, non-profit organizations or initiatives with a global reach might.

Will my low-income status make it harder for me to get car insurance?

Car insurance providers cannot consider your income as a rating factor.

What is a good car for someone with a mobility issue?

The following are some of the best cars for someone with a mobility issue.

Volkswagen Passat: Getting out of the Passat is simpler for drivers with disabilities, thanks to the spacious front and back seats.

Chrysler 300: This particular model is the ideal size for people who have mobility issues.

Toyota Camry: This large, reasonably priced mid-size car is easy to get into and out of.

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