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...

  • Millions of U.S. drivers use wheelchair accessible vehicles
  • Wheelchair accessible vehicles can be more expensive to insure and operate
  • Owners of wheelchair accessible vehicles can often defray these costs by using the services of car insurance comparison shopping websites

Many different kinds of drivers must share the roads of the nation, and a number of these drivers operate vehicles that are modified to be more accessible for wheelchairs.

These wheelchair accessible vehicles need adequate car insurance coverage, but many drivers of such vehicles have found it difficult to find affordable coverage.

That being said, it is eminently possible for owners of wheelchair accessible vehicles to find affordable car insurance.

This article will discuss how drivers of wheelchair accessible vehicles who make use of car insurance comparison shopping websites can quickly and easily find affordable coverage, and have fun along the way.

If you are in need of better auto insurance coverage for your wheelchair accessible car, compare at least three to four policies today and find the best rates for you! Enter your ZIP code above!

Car Insurance Considerations for Wheelchair Accessible Vehicles

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Wheelchair accessible vehicles come in many different shapes and sizes. Some vehicles that are fitted with wheelchair modifications are sedans, some are larger SUVs, and some are vans or trucks.

Depending on the size of the vehicle and the capabilities of the wheelchair user, one of three lift types may be used, including hybrid, internal, and external wheelchair lifts.

External lifts are usually secured to the back of the vehicle in question, and often require the user to have some degree of personal mobility.

The other two lift types allow the chair to be placed in the vehicle in question, which can make vehicle operation a little easier for people with mobility issues.

– Modifications for Wheelchair Accessible Cars

Individuals who need wheelchair accessible vehicles fall into many different categories. Some need such vehicles to transport others, and others need such vehicles to transport themselves.

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Vehicles that have wheelchair modifications often need other modifications in place in order to allow the drivers to operate these vehicles. Additional modifications that are often seen in wheelchair accessible vehicles can include:

  • Steering wheel spinner knobs
  • Mechanical controls for operation of control pedals
  • Specialized digital driving rings for control pedals
  • Adaptive braking and steering tools to magnify force
  • One-handed driving controls like joysticks
  • Special seats to enable transfers to other vehicles
  • Special vans with low floors to allow the addition of ramps
  • Modified mirrors with wide angles to enable greater driver awareness

– Financial Aid for Wheelchair Accessible Car Owners


It should be noted that even light modifications can cost thousands of dollars in today’s economic conditions.

Because modifications can be prohibitively expensive, many owners of wheelchair accessible vehicles may need to secure outside financing in order to install needed equipment.

Luckily, there are many sources of such funding for drivers with mobility issues. These funding sources can include:

In addition to this, owners of wheelchair accessible vehicles can often find savings opportunities by visiting car insurance comparison shopping websites. These sites make it their business to gather reams of information about various car insurance providers, after which this information is made available to their visitors.

Doing this hard work enables users of these websites to save effort, time, and money.

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Comparison Shopping to Find Coverage


Millions of people around the nation suffer from issues with their mobility, and many of these people also drive cars. These drivers with mobility challenges deserve the same levels of car insurance coverage as everyone else, and they deserve to get such coverage at reasonable prices.

Some less-than-ethical car insurance providers try to discriminate against drivers of wheelchair accessible vehicles in various ways, such as overcharging these individuals on their premiums or denying them certain types of car insurance coverage.

People with mobility issues who feel that they may have been victimized in this way should contact their state attorney general, who can apply laws such as the Americans With Disabilities Act to defend their civil rights.

While it may be difficult to find such coverage on their own, drivers of wheelchair accessible vehicles who make use of the considerable capabilities of car insurance comparison shopping websites can certainly expect to find good coverage that won’t break the bank.

If you’d like to save on auto insurance, start comparison shopping today by entering your ZIP code below!