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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Here's what you need to know...

  • Being pregnant will not affect your ability to maintain your current auto insurance coverage or prevent you from seeking out another auto insurance company
  • Because of HIPPA laws, auto insurance companies are not allowed to inquire into the medical history of an insured driver or an applicant for car insurance
  • Pregnancy is not recognized in the U.S. as a medical condition that affects your ability to drive, so it would not be reported to your state department of motor vehicles

Getting pregnant is naturally a huge life event for you, so it is only reasonable to wonder how your pregnancy could affect your auto insurance.

Even though your pregnancy is a major deal to you, your auto insurance company is not really permitted to look into your medical history due to HIPPA laws.

The only way that a medical condition could affect anything to do with your auto insurance is if a doctor reported a condition to your state department of motor vehicles.

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The Impact of a Medical Condition on Your Auto Insurance

There are strict laws in place, HIPPA laws, that protect the privacy of your medical records. This means that auto insurance companies are prohibited from inquiring into your medical history in order to determine your auto insurance rates.

Your pregnancy would be covered under HIPPA laws, so there would be no reason for your auto insurance company to know anything about your condition.

The only way that an auto insurance company would know about an existing medical condition when you apply for auto insurance is if the state motor vehicle department has notice of a medical condition that affects your ability to drive.

The way that this condition would get reported is that a medical professional would be obligated to inform the department of motor vehicles of your state if they were aware of a medical condition that rendered it unsafe for you to drive.

The important thing to note here is that pregnancy is not one of the medical conditions that would have an impact on your ability to drive.

As such, there is absolutely no reason for your state department of motor vehicles or your auto insurance company to know that you are pregnant because it has nothing to do with your coverage or ability to drive safely.

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What Can Impact Your Premium

Even though being pregnant will not have an impact on your auto insurance premiums, there are many other things that will. The major consideration will be your driving record.

The auto insurance company may also consider the following:

  • your age
  • your credit score
  • the value of your vehicle
  • the crime levels in your neighborhood
  • the number of miles that you plan to drive your vehicle
  • your marital status
  • whether you have a track record of paying your auto insurance premiums on time

When you are shopping around for auto insurance quotes from different companies, you should be sure to ask about what discounts may be applicable for you so that you can lower your premium as much as possible.

Some of the most popular discounts on auto insurance include an accident-free discount, multi-car discount, multi-line discount for having multiple insurance policies with the same company, low mileage discount, good student discount and a military discount.

If you are considering ways to maintain or increase your coverage without increasing your premium, you should think about choosing a higher deductible. With almost every insurance company, the higher your deductible, the lower your premium will be.

While this means that you will pay more out of pocket initially if you are involved in a car crash, you may be able to save a significant amount of money on your car insurance premium.

Reevaluating Your Auto Insurance Coverage Needs

Adding a baby to your family is a major life event that may cause you to pause and reevaluate your auto insurance coverage needs.

While you are likely aware that you must maintain a required level of auto liability coverage, this coverage amount is likely not enough to protect your personal assets in the event that you are in a car crash.

You should ask your auto insurance agent about the possibility of increasing your policy limit or adding supplemental coverage in light of the fact that you have increased financial responsibility for a baby on the way.

The bottom line is that being pregnant will not have an impact on the car insurance rates that you pay or your ability to stay insured under your existing policy.

In fact, your auto insurance company would have no reason to even find out that you are pregnant anyway. There are many other factors that affect the price of the auto insurance premium you will pay or your ability to get coverage.

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