A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products, including home, life, auto, and commercial, and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, mainly in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: Oct 18, 2021

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Important facts to know...

  • There might be driving restrictions for diabetics, including no driving at night
  • Consider including coverage for collision as well as increased liability levels in your policy
  • You may qualify for specific discounts on your insurance policy

Most states don’t require you to divulge any medical condition, including that of diabetes, to your car insurance provider. However, there are states that have requirements – and your physician might send a note to the DMV.

This note could result in various driving restrictions. Knowing the risks on the road will help you to find the right coverage within an auto insurance policy.

Compare car insurance quotes today to find the policy that’s right for you at the best rate.

Potential Driving Restrictions

Diabetes has the potential to develop at any age. Once it develops, it is important to stay on top of your blood sugar at all times as it will affect all levels of behavior. If you have a low blood sugar incident behind the wheel, it could affect response times and more.

Not all states require you to identify that you are diabetic. However, it is also possible for the DMV to receive information that identifies you as diabetic.

The California DMV, for example, says that the department could receive information from a physician, a law enforcement agency, or even a relative of the doctor.

If there is concern that diabetes could impair your ability to drive, then it’s possible that you will have to go through a re-examination. Potential driving restrictions might also be placed onto your license.

Restrictions can include:

  • No driving at night
  • Limited driving times
  • Reduced driving distances
  • Driving with a passenger in the car
  • Corrective lenses

There are a variety of restrictions — and it might be something to speak to your doctor about.

It is also important to keep an eye on your blood sugar levels. If you feel as though you are having a problem, pull off the road.

You should have orange juice and other items that will allow you to raise your blood sugar levels quickly. If you are on insulin, you should have the insulin in the car with you at all times.

Don’t get back onto the road until your levels are under control and you feel good enough to drive again.

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Adding Sufficient Coverage

When you suffer from diabetes, you want to make sure you have the right coverage. This way, if there is an accident of any kind, it will help you to reduce the amount of money you spend out-of-pocket.

Past experience with accidents will guide you toward where you want the most coverage. You also have to look at how diabetes could affect you on the road.

You have to meet state requirements for coverage. However, you might want to add in areas in the event you do get involved in an accident. Particularly if auto crashes occur because it was your fault, you need to have the right coverage.

This right coverage includes being able to take care of your car’s damage, your own personal injuries as well as the injuries of the other person’s car as well as the repairs to their car.

For this protection to happen, you need to explore levels of liability for bodily injury and property damage along with personal injury protection.

You might want to go above state minimums. When you use an online comparison tool, you can increase the coverage in all areas and see how it’s going to impact the monthly premium.

Increasing coverage by $10,000 or more in each area isn’t going to have the large financial impact that you think it will.

If you have had accidents in the past, you might already know that you want to add collision coverage as well. If you have had a low blood sugar incident and veered off the road, causing damage to your car, you should have the coverage.

When law enforcement came to deal with the problem, they may have even been the ones to notify the DMV of your diabetes. These scenarios cannot always be helped – but you can add the protection so it minimizes your expenses out of pocket.

Finding the Right Policy

It’s important to strike the right balance between an affordable policy and one that has enough coverage.

You should have an idea as to where you want the coverage by now. When you are driving with diabetes, you need to consider how low blood sugar can affect your driving.

Be cautious about getting behind the wheel when you’re not feeling well. Since a problem can happen at any time, you want to have enough coverage, too.

If you’re concerned about the cost for coverage, compare rates between multiple companies. You might be surprised by how the prices can vary between the different insurance companies.

If you don’t think you’re going to get involved in an accident, you might also want to raise the deductible as a way of lowering premiums as well.

It’s also a good idea to look at discounts that you might qualify for, such as having multiple policies with the same insurance company, being a homeowner, and having a history of being a safe driver.

Take the time to explore coverage options and get online quotes to help you compare costs. Diabetes might affect your driving, but you control when you get behind the wheel.

You also have the opportunity to purchase additional coverage in case you ever have an issue when out on the road. Compare rates and options today by entering your zip code into our free quote tool below.