Car Insurance for Disabled Driver’s Guide

It is hard for disabled drivers to get auto insurance, but it is not impossible. Companies are willing to insure them, especially if they receive SSI benefits. It may be costly, but there are cheaper options. However, you should discuss with your insurance company if you have any medical conditions upfront. That way, the insurance company cannot invalidate your policy.

You need to keep in mind certain things to make your search easier. Insurance companies are not supposed to charge you more because you are disabled or the kind of car you drive. However, there will be other additional costs due to the type of your disability. All you need to do is get a quote for free car insurance for disabled persons. 

That said, let’s discuss all you need to know when looking for auto insurance:

Do you need medical clearance to drive?

Most disabled drivers are fit to drive and don’t need a doctor’s approval. A visit to a DMV is enough to access their abilities, and if fit, they get a go-ahead to drive. In case there are limitations found that are indicated on your license. However, a few need a doctor’s approval, like seizures. An insurance company will always ask for proof to ensure you are fit. 

Honesty and transparency

Never lie about your disability. Bring everything to the table and discuss it with your insurance provider. Let them know whether your disability poses a risk to you or other motorists. If you have a medical history that you feel is important to mention, do so and give medical proof. Any information you share will impact your premiums. If you lie and get in an accident, the insurance company may prove that your disability caused the accident. Thus, you can’t be compensated. 

Does your car have special equipment?

These are equally essential pointers that your insurer needs to know. If your car has a wheelchair ramp, lift or hoist, and other equipment, don’t forget to mention that. If it has been modified and fitted with the latest technology, it is also important to say that. However, most auto insurance companies would like disabled drivers to add a modification to their vehicles, though it is not an insurance requirement. However, it increases your premium. When you discuss all these with your insurance company, they will calculate the estimates on your insurance policy. 

Other additional insurance coverage

As a disabled driver, you may want to add another insurance policy. It is a personal preference, but still, you may find your insurance company has integrated such into your policy. Nevertheless, if they have not, this is some of the insurance coverage;

  • Personal liability – if you get into an accident and you are the cause, personal liability coverage will cover injuries plus property that may be damaged. 
  • Collision – if you get an accident and your car has damage, you can be paid for collision coverage. 
  • Comprehensive – if your car is stolen, catches fire, or vandalized, you can get paid through comprehensive coverage. 
  • Underinsured motorist – your car may get damaged or get in an accident caused by a driver with no insurance. This kind of coverage pays for the costs. 

Lowering the risk

There are cases where the insurance may increase your premiums. For instance, if your disability risks your driving, the insurer can increase the premiums. Alternatively, they can ask you to consider lowering the risk that may affect you and other motorists, like seeking medical attention or installing required technologies in your vehicle to keep you safe. 


Drivers living with disabilities don’t have to worry about getting auto insurance. If you have SSI benefits, you can get assistance from some auto insurance companies.