Laura Berry is a former State Farm insurance producer and insurance expert.

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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...

  • Car insurance companies are not allowed to discriminate against you because you have a disability
  • Unfortunately, some car insurance carriers may try to charge you more if you have a car that has been modified for your disability
  • If you think you are being charged too much for auto insurance, you can use a comparison tool to find a new, more affordable auto insurance policy

Do you have a disability and need affordable car insurance?

Auto insurance companies are not allowed to discriminate against you for having a disability due to the Americans with Disabilities Act of 1990.

But if you feel like you are not getting a fair rate for your auto insurance, you can always use a comparison tool to shop for a new, more affordable car insurance policy.

Try our FREE online quote tool and start comparison shopping for better auto insurance rates today! Enter your ZIP code above!

Car Insurance and the ADA

Car insurance companies are generally held liable under Title III. The gist is that insurance companies cannot charge you more for auto insurance or deny you coverage because you have a disability.

However, you may need to disclose your disability status to your current and/or new insurance provider, and you must make sure that you answer every question as truthfully as possible.

While an insurance company cannot deny you coverage or charge you more because you have a disability, they can take action against you if you lie on your application.

If you believe that you are paying an unfair price for your current car insurance policy, you can attain another policy by using an auto insurance comparison tool to both shop and purchase a more affordable policy.

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Disabilities and Car Modifications

While car insurance companies are not allowed to discriminate against you because of your disability, they may try to charge you more for car insurance if your car is modified in order to accommodate your disability. The reason is because the car insurance carrier assumes that your car will be more expensive to repair or replace if you get into a car accident.

The original provision in the law was to allow insurance companies to charge more for cars that had extremely expensive modifications or street racing modifications.

The intent was not to use it to raise the rates of disabled drivers that need certain modifications on their vehicles, but because of the loophole, many disabled drivers may see higher quoted rates if their cars contain mobility modifications.

Because of this loophole, Disabled World recommends disclosing any and all modifications that you have had performed to your vehicle in order to make it safe for you to drive with your disability.

Common modifications include:

  • Wheelchair ramps and lifts
  • Hand controls
  • Electric automated driver’s seats
  • Pedal extensions

Shopping for Disabled Car Insurance

If you are disabled and need a new car insurance policy, you can find one that is affordable. Car insurance companies have to take several factors into consideration when they write your policy and determine a price.

  • Age, Gender, and Marital Status – If you are older, female, and married, you will pay less than your young, male unmarried counterpart. Insurance companies consider drivers with less experience more of a risk factor than experienced drivers. Males and unmarried men and women also tend to take more risks when driving when compared to their married doppelgangers.
  • Driving Infractions and Points – Are you prone to getting speeding tickets and driving infractions? If you have gotten several speeding tickets and driving infractions and have a lot of points on your driver’s license, you are considered a higher risk compared to someone who always obeys the traffic laws and practices defensive driving.
  • Credit Score – If you have a good or great credit score, your car insurance company will assume that you have a lot of money and can afford to fix minor repairs yourself rather than filing a claim after an accident.
  • Safety Features – While your ADA modifications may make your car more expensive to repair or replace, certain safety modifications, like rear-view cameras, backup sensors and horns, airbags and ABS brakes, make your car safer to drive, resulting in less damage to your vehicle and less personal injuries.

When shopping for car insurance with a disability, make sure you look at all the available policies in your area.

When you read through the insurance policies, make sure you understand the exclusions and what they cover. Then, make a pros and cons list.

Finally, compare your lists with the prices of the coverage plans and make a final decision. Once you know which policy would be right for you, you can purchase it online.

Start comparison shopping for better auto insurance rates by entering your ZIP code below!