Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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The lowdown...

  • Drivers with disabilities can often maximize their coverage by car insurance comparison shopping
  • A variety of discounts are available for drivers with disabilities
  • Many companies offer coverage for vehicle modifications

According to the U.S. Census Bureau, some 40 million citizens are living with some kind of disability.

Of this group, there are a significant number of people who are eligible to operate motor vehicles and they all need automobile insurance.

Finding affordable car insurance coverage for individuals with disabilities may seem daunting at first, but the good news is savvy insurance policy comparison shoppers can get coverage and save money along the way.

This article will look at some of the options available specifically for those with disabilities, and provide readers actionable ways to use comparison shopping to find the best deals.

Compare auto insurance quotes today by entering your zip code above.

Mandatory Automobile Insurance Coverage


While there are often accommodations made for certain kinds disabilities, drivers with disabilities are still required to have basic mandatory auto insurance policies. These coverages include bodily injury liability and property damage liability.

  • Property damage liability – This insurance covers damages caused to the property of another by the vehicle of the policyholder. Since this coverage extends to buildings as well as cars, it can be handy to have.
  • Bodily injury liability – The costs of basic medical care can be expensive, and when accidents happen these can shoot through the roof. The costs can be especially heavy for the driver who caused the accident. Bodily injury liability is designed to protect drivers from these types of costs.
  • Personal Injury Protection – Also known as PIP, this insurance is vital for paying medical costs associated with injuries to the policyholder and other passengers. While covering vital medical benefits like ambulance trips and acute care is important, some PIP policies can also provide extra services like wage compensation plans.

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Optional Coverages

These are insurance options that are left to the discretion of individuals. While a policy without these options may be initially cheaper, a serious accident can leave at-fault drivers with many financial obligations.

Thus, these options are desirable to have if at all possible.

  • Collision coverage – This option pays for damages sustained by the vehicle of the policyholder during a collision with another car. It mostly applies in cases where the collision was the fault of the policyholder.
  • Comprehensive coverage – This option provides broad coverage for vehicular damages sustained in a variety of ways. Common qualifying events can include flood, fire, hail, theft, and vandalism.
  • Uninsured or underinsued motorist coverage – This item helps to pay for any damages sustained during an accident with an uninsured driver.
  • Glass coverage – Glass protection pays for repair or replacement of damage sustained by the windows of a vehicle.
  • Towing coverage – For certain disabilities that affect the mobility of the individual, it can be a key consideration to have towing coverage. These services can provide transportation of a disabled vehicle and often perform services such as tire changes.

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Auto Insurance Options That May be Useful For Drivers With Disabilities

There are certain options relevant to specific disabilities that comparison shoppers for auto insurance will want to take a look at. Included in this list are some of the following items.

  • Special equipment coverage – Certain physical disabilities may require people to travel with portable medical support devices. These devices can include items such as oxygen containers, stability aids, and more.
  • Vehicle modification coverage – This coverage relates to the preceding item and is special coverage designed to cover structural modifications that allow people with disabilities to operate a motor vehicle. Examples could include special levers, pedals, detectors, etc.
  • Vehicle adaptation protection – This form of insurance pays for any necessary repairs to vehicular modification systems. For example, if a van with a wheelchair lift was struck and the lift was damaged, this form of insurance would likely cover such damages.
  • Replacement vehicle coverage – Since individuals with certain disabilities may face severe mobility issues if deprived of transportation, many companies provide for rental car insurance.

Discounts and Savings Options


Individuals who are willing to do little digging on a good comparison shopping site will soon find a wealth of discounts and deals to be enjoyed.

  • Comparison shopping sites – They do the heavy lifting of listing insurance companies and their policies in one convenient location. The time and effort that can be saved by those who take advantage of these services can be truly remarkable.
  • Safe driver discount – If the comparison shopper in question can boast a flawless driving record, they should look up the policy covering this benefit with their prospective insurance provider. In many cases, people can save significant amounts of cash and also avoid potentially costly down payments.
  • Safe vehicle discount – As its name suggests the safe automobile discount rewards people who maintain their vehicles in good condition. It also provides discounts for safety features like roll bars, anti-lock brakes, and heads-up displays.
  • Mature operator discounts – Individuals who are at or above a certain age often qualify for senior citizen discounts. Shoppers who suspect that they may qualify should be sure to examine this option when comparing policies.
  • Homeowner discounts – Drivers who also own their own homes will often qualify for discounts.
  • Bundling – This is the practice of having one insurance company handle two or more lines of insurance. For example, a customer could purchase their automobile insurance and their renters insurance from the same provider. Other benefits of bundling include efficiency and improved organization.
  • Student discount – If a given driver is enrolled with a qualified learning institution they will often be eligible for some helpful discounts.

There is certainly much to consider when searching for insurance that caters to a particular disability.

That being said, readers who apply the comparison shopping tips found in this article will be giving themselves a very good chance of getting a satisfactory deal.

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