FREE Insurance Comparison

Call (855) 425-8122

for FREE insurance quotes by phone
Insurance | Free Online Insurance Quotes

Compare Insurance Quotes!

Compare Quotes from Top Companies and Save

Does having diabetes affect car insurance?

The lowdown...
  • In most cases, diabetes is not likely to affect your car insurance premium
  • The most important factor in your car insurance premium is your personal driving history
  • It’s important to be aware of state regulations concerning obtaining a driver’s license with diabetes
  • There are tips for controlling and preventing hypoglycemia that can help protect you on the road

Living with diabetes can carry its own set of challenges and strategies for dealing with the medical condition. Whether you have Type 1 or Type 2 Diabetes, your illness can impact all aspects of life.

One such aspect that may be unexpected is the potential impact of a diabetes diagnosis on your car insurance premium.

In general, most car insurers no longer charge a higher premium rate for people with diabetes.

As the number of diabetes diagnoses across the country has risen and the advances in treatment have become more well-known, diabetes no longer significantly raises the driver risk profile for most people.

When purchasing or shopping for car insurance, comparing offers from multiple companies can be an excellent way to find the best rate for your specific situation. Many people can save or find better value by shopping around for car insurance offers. Compare today for free!

How can diabetes affect my driving life?

Diabetes, however, could be considered a material fact that you must disclose when applying for auto insurance. In theory, there is a risk of a driver with diabetes becoming hypoglycemic, impairing their judgment or physical control, and thereby leading to a car crash.

Hypoglycemia means having low blood sugar. Some people with diabetes can experience disorientation, mental confusion, exhaustion or other physical symptoms while experiencing hypoglycemia.

Some of these symptoms include:

  • Dizziness
  • Feelings of fainting
  • Heart palpitations or rapid heartbeat
  • Irritability or sudden mood changes
  • Sweating and chills
  • Loss of consciousness

These symptoms may seem unlikely for most people today with well-controlled diabetes. However, concerns about hypoglycemic symptoms drive most regulations around diabetes and driving.

Diabetes and Your Driver’s License

AdobeStock_52734917-1600x1600

In some states, there are certain restrictions or prerequisites for diabetic drivers seeking a driver’s license. Sometimes this applies mainly to commercial driver’s licenses, while in others it applies to all licensed drivers.

Some restrictions that do exist, like the federal rules for commercially licensed drivers, were authored and passed at a time when diabetes treatment was much more difficult and less advanced and routine.

There is now a Diabetes Exemption Program for commercial drivers that prioritizes individual experiences and histories rather than a blanket ban.

A driver’s license is very important to many people. It can be a lifeline for travel to work, school, and family and social events – let alone medical care and appointments.

Diabetes is only one of many medical conditions around which some states formulate restrictions and regulations on driving.

In some cases, these regulations could apply to all drivers with a diabetes diagnosis, while in other states, specific criteria must be met before any restriction is relevant, including:

  • Seizures
  • Using insulin
  • History of hypoglycemic incidents and low blood sugar
  • Loss of consciousness
  • Foot problems, like diabetic neuropathy
  • Vision difficulties, like retinopathy

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

In general, you will not have a problem receiving a personal driver’s license if you show that your diabetes is controlled. It is important to review your own state’s laws in this regard; sometimes, you may need a report produced by your doctor.

Most states do expect you to notify the motor vehicle department about your diabetes. The states will directly ask about your diabetes or other medical conditions when you apply for a driver’s license. You may need to produce semi-regular medical updates.

If you did not inform the state of your condition, you could later be at risk of being charged with a driving offense.

There are over 29 million people with a diabetes diagnosis in the United States, and most drive well and without complications.

If you do have a severe hypoglycemic incident behind the wheel, you or your doctor may be obligated to report it to the state. In this case, the driver will usually be referred to a medical evaluation to determine their safety to drive.

These requirements would not apply to people who have not experienced an incident of this type while on the road.

Driving with Diabetes

AdobeStock_72047239-1600x1600

Diabetic drivers can take some safety precautions to make sure you’re at your best while on the roadway. Testing and monitoring your blood glucose before driving is one good way to monitor your situation and prevent hypoglycemia from developing before driving.

Depending on how your diabetes is managed, it can be important to carry an emergency insulin kit in the front seat of your car if your diabetes is controlled with insulin.

If you take tablets, use diet and exercise or may have milder needs to balance your sugars, keeping some high-carbohydrate, sugary, non-perishable foods in the car can provide a boost if hypoglycemia is a risk.

If you do feel the signs or symptoms of hypoglycemia, it’s best to pull off the road and tend to your symptoms first to protect your health. Some states offer license plates or other signs to display on your car about your diabetes.

These signs can help to confirm to law enforcement or medical personnel that you may need medical assistance.

What about my car insurance premium?

AdobeStock_89374409-1600x1600 (9)

Millions of people with diabetes are excellent and reliable drivers and their car insurance premiums can and should reflect that. Most car insurers no longer charge excess costs for people with diabetes, especially if the disease is well-controlled with treatment.

Car insurers consider a wide array of factors, in developing a risk profile for each driver. The most important of these is your personal history as a driver in terms of accidents and insurance claims.

If your driving history is relatively clear, this will play a substantial role in lowering your auto insurance premiums.

You can find out about the opportunities you may have for better rates or improved value by shopping around and comparing car insurance prices.

You can find the best policy that works for you and your lifestyle by comparing rates and coverage types. Enter your zip code below to compare today!

Compare Insurance Quotes!

Compare Quotes from Top Companies and Save