Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Mar 2, 2021

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The Truth in a Nutshell:

  • The Americans with Disabilities Act (ADA) disallows insurers from denying coverage to someone solely because they have a disability.
  • The Americans with Disabilities Act (ADA) prohibits insurers from charging higher rates to a licensed driver just because they have a disability.
  • If you require vehicle modifications to drive your vehicle safely, additional car insurance coverage may be required.

Does being disabled affect car insurance?

Finding the right auto insurance company to suit your needs can be a bit of a hassle. While an insurer cannot outright deny you coverage because you have a disability, it can prove more difficult to find the right coverage. We will go through finding car insurance for a disabled person step by step so you can learn how to get cheap car insurance that suits your needs.

Get a great start by typing your ZIP code into our helpful tool above to find car insurance for physically handicapped people in your area.

Does Medicaid cover car insurance?

If you have a disability, chances are that you receive assistance from Medicaid. While there is no such thing as Medicaid car insurance, it can help to have if you get into an accident. Medicaid will most likely assist you in covering your hospital bill if you are injured in a collision.

With that being said, Medicaid will not assist in paying for repairs to your vehicle. Medicaid also does not act as liability insurance and does not in and of itself make your car legally insured.

However, there are some caveats. The Special Auto Insurance Policy (SAIP) for Medicaid-eligible residents of New Jersey allows for cheap medical-only liability coverage. This coverage can be obtained by those who are only applicable for $365 per year. Again, though, Medicaid will not assist in paying for damages to your vehicle.

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Modified Cars

How do driving modifications for disabled drivers affect auto insurance rates?

An insurer cannot charge higher insurance rates for a disabled driver just because they have a disability. That is classified by the Americans with Disabilities Act (ADA) as discrimination. However, many individuals with disabilities require modified cars, such as the addition of car pedal extenders.

Not only will the modifications themselves cost money, but premiums can rise because of said modifications. Keep in mind that even if the driver is not disabled, some vehicles require modifications for disabled passengers.

Is there car insurance for disabled passengers? Again there is no specific insurance geared towards those with disabilities. However, if you were to buy a wheelchair van, for instance, you may have to pay higher premiums because you require increased car insurance for wheelchair adapted vehicles.

Is there car insurance for low-income drivers?

One of the best ways to save money on car insurance is to take advantage of discounts offered by your insurer. Unfortunately, government public auto insurance for low-income families or those with disabilities is fairly hard to come by. In fact, there are only three states that offer a low-income (which applies to many with disabilities) car insurance program: California, Hawaii, and New Jersey.

The California Low-Cost Automobile Insurance Program assists California-based low-income families in finding cheap car insurance. The following video further explains how the CLCA helps California residents.

If you live in California, this program is well worth taking advantage of, especially considering that California can be a fairly expensive state to begin with.

Is car insurance more expensive in California? It can be, but you should always check with your agent to see what other discounts you may qualify for. Some of these include:

Car Insurance Discounts Offered by Insurance Companies
Car Insurance Discounts Offered21st CenturyAAAAllstateAmerican FamilyAmeripriseAmicaCountry FinancialEsuranceFarmersGeicoLiberty MutualMetLifeNationwideProgressiveSafe AutoSafecoState FarmThe GeneralThe HanoverThe HartfordTravelersUSAA  
Adaptive Cruise Control and/or Headlights----------5%--------3%--
Anti-lock Brakes--10%-3%5%-5%-5%5%5%5%-5%-5%8%5%3%--
Anti-Theft--10%-3%25%10%25%-25%20% off of comprehensive portion of policy.10% -- this discount factors in features such as VIN etching and vehicle recovery;
one anti-theft discount applies.
25%combined with vehicle recovery discount.---15% discount off of comprehensive coverage; higher discount with "engine cut-off."8%; one total anti-theft discount applies; if vehicle recovery, a higher discount applies.5%3%--
Claim Free--35%----25%-26% for going five years without an accident.Awarded "accident free" on account for lower rating.20% if claim/violation free:
"Superior Driver"
3+ yrs=12%
"MetRewards"
5+ yrs 20%
AND
save $50 each claim-free year up to $250 (off deductible).
10%-10% if you go six months without filing a claim;
one safe driver/claim free discount applies.
20% "Safeco Safety Rewards" if you have no at-fault accidents in the last 36 months,
no more than 1 point on your license, and
no DUI in the last ten years; one safe driver/claim free discount applies.
15%must have State Farm for at least three consecutive years without an accident.-15%-23%; must be accident and violation free to get the "Safe Driver" discount listed below;
must be accident and violation free to qualify:
23% - 5 years
10% - 3 years;
one safe driver/claim free discount applies.
12%; "Premier Driver Discount"
4%-12%, depending on driving record;
12% is for being accident and violation free for five years; one safe driver/claim free discount applies.
Not available in HI.
Continuous Coverage-----3%-------No gaps or cancellations;
discount depends on how long you have been consistently insured.
10% for going six or more months with no more than a 30-day coverage gap.7% if you have been with Safeco or previous provider for one year or longerfive or more years gets you the highest discount.--10%discount applies at each renewal.-15%-
Daytime Running Lights--2%------1%5%5%5%-5%---5%3%--
Defensive Driver5%-10%10%-5%5%10%--10%7%5%10%10%5%5%8%5%10%10%3%
Distant Student--35%---------10%--15%--5%3%7%-
Driver's Ed--10%--5%10%---10%10%-10%10%5%15%8%5%3%8%3%
Driving Device/App--20%40%---25%--30%15%40%20%-30%50%--10%30%5%
Early Signing--10%---10%10%---15%8%--8%----10%12%
Electronic Stability Control--2%--5%----5%-----------
Emergency Deployment---------25%------------
Engaged Couple------10%---------------
Family Legacy-----5%---------------10%
Family Plan------25%-----25%------5%--
Farm Vehicle--10%-------------------
Fast 5-------5%--------------
Federal Employee---------8%10%-----------
Forward Collision Warning-----8%----5%--------3%--
Full Payment--10%--4%-10%--$5---5%15%-8%15%20%7.5%-
Further Education-------15%--10%-15%---------
Garaging/Storing---------------------90%
Good Credit------------"Financial Stability"
gets you a lower rate. You must also have stable residence.
-------
Good Student--20%--10%25%10%-15%22.5%15%10%-10%15%25%8%5%3%8%3%
Green Vehicle--10%-----5%-10%--------3%10%-
Homeowner-----5%12%----2%5%-10%10%3%5%5%-5%-
Lane Departure Warning-------------Safety features get automatic discounts applied when VIN entered in system.--------
Low Mileage-----10%-15%-------20%30%-----
Loyalty-----5%------5%--7%---5%--
Married--------------5%-------
Membership/Group-7%--15%-----10%-7%------20%--
Military-------25%-15%4%15%--25%-------
Military Garaging---------------------15%
Multiple Drivers-------------------5%--
Multiple Policies--10%--15%25%--10%20%10%10%12%-15%17%15%10%20%13%-
Multiple Vehicles-----15%15%--25%10%-20%10%15%15%20%15%5%5%8%-
New Address----------5%-----------
New Customer/New Plan-----------10%--10%-------
New Graduate----------5%-----------
Newer Vehicle--30%---10%---------40%--3%10%12%
Newly Licensed----------5%-----------
Newlyweds----------5%-----------
Occasional Operator---------------------Discount based on operator's individual driving record.
Occupation------10%---10%-15%------10%--
On Time Payments--5%-----------------15%-
Online Shopper-------11%-----7%--------
Paperless Documents--10%--2%------5%$50-`-------
Paperless/Auto Billing-5%--2%-----25%$30-$410%$28%2%$53%3%
Passive Restraint--30%30%3%30%-33%-40%-5%20%-5%2%40%8%5%3%--
Recent Retiree----------4%--------3%--
Renter-----2%-30%--------------
Roadside Assistance-------5%--------------
Safe Driver--45%--15%-40%15%-12%35%31%10%20%15%---23%12%
Seat Belt Use---------15%------------
Senior Driver--10%--------10%-----5%5%---
Stable Residence-------------------5%--
Students and Alumni-------15%--10%-7%---------
Switching Provider-------5%--10%10%--10%--5%5%---
Utility Vehicle--15%-------------------
Vehicle Recovery--10%-5%10%-25%-25%35%10%25%---5%8%-3%--
VIN Etching----------5%10%----------
Young Driver------10%--------------$75

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There are no specific car insurance discounts for handicapped drivers, but taking advantage of those listed above can help save you money on your car insurance rates.

Can I get health insurance without a job? This is where Medicaid, a more prevalent program, comes in.

Get a start on finding the cheapest car insurance for SSI recipients in your area by typing your ZIP code into our helpful tool below.

Frequently Asked Questions: Car Insurance for a Disabled Person

#1 – Is there handicap vehicle insurance?

Just like with standard car insurance, it all depends on the existence of accidents on your record.

#2 – Is there car insurance assistance for single moms?

Car insurance tends to be more expensive for single people in general, and this, unfortunately, extends to single parents.

#3 – How can I get help with car insurance?

Compare rates from as many providers as possible and take advantage of any discounts you may apply for.

#4 – Can I drive a Motability car on my own insurance?

Yes, but only if you have been added to the lease as a named driver.

#5 – Are there self-driving cars for disabled drivers?

Yes, an autonomous car does not need a human driver.

#6 – Is there a special driving license for the disabled?

Not particularly, but the NHTSA and DMV provide special exceptions and privileges to accommodate those with disabilities. The driving test for disabled people is pretty much the same test that any potential driver needs to take.

#7 – Is there a driving evaluation for disabled individuals?

Yes. As with any other driver, there is an evaluation composed of comprehensive physical and cognitive assessments performed by a Certified Driving Rehabilitation Specialist (CDRS).

#8 – Is there a driving school for disabled drivers?

Yes, you can find them by searching for handicapped driving schools online.

#9 – Is there low-income auto insurance for seniors?

You can get discounts from many insurers if you are above the age of 55.

#10 – Can a blind person get car insurance?

A person who is legally blind cannot drive, so they will not need car insurance. If, however, you are visually impaired but your vision level is within state-mandated guidelines, you can get car insurance.

References:

  1. https://www.nj.gov/dobi/division_consumers/insurance/saip.htm