How To Get Auto Insurance With an Amputated Limb (2024)
Insurance companies aren’t allowed to charge more for auto insurance for an amputee. However, rates may be higher because of the cost of the vehicle and the needed modifications. Average full coverage car insurance rates are $345 a month. Drivers can take advantage of discounts to get lower car insurance rates for an amputee.
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Rachel Bodine
Feature Writer
Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...
Feature Writer
UPDATED: Oct 18, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 18, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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- Car insurance for disabled adults has the same standard coverage and rates
- Car insurance companies aren’t allowed to charge higher rates for amputees
- Drivers can take advantage of auto insurance discounts and telematics programs to lower rates
The best auto insurance companies offer the same coverage to all drivers regardless of disabilities. In fact, insurance companies aren’t allowed to offer disability car insurance at all.
Auto insurance for an amputee is the same as coverage for anyone else. However, rates may be higher if the vehicle is more expensive than average.
Find affordable auto insurance for an amputee by shopping around. Compare multiple companies to find the best coverage with the lowest rates.
Enter your ZIP code now to compare free auto insurance quotes for an amputee today.
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Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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How much is auto insurance for amputees?
There are no specific auto insurance companies for amputees. Insurance companies aren’t allowed to discriminate based on disabilities.
Auto insurance for the disabled has the same rates and coverages as auto insurance for those without disabilities. Drivers can also still take advantage of discounts and other ways to save.
However, auto insurance rates for disabled drivers may still be a little higher than average.
One of the factors that affect auto insurance rates is the cost of your vehicle.
According to the National Highway Traffic Safety Administration, modified vehicles for disabled drivers can cost as much as $80,000.
Auto insurance companies will charge higher rates if a vehicle is more expensive than average to repair or replace.
This table shows the average auto insurance rates from top companies based on the type of coverage.
Auto Insurance Average Monthly Rates By Coverage Type
| Company | High Coverage | Low Coverage | Medium Coverage |
|---|---|---|---|
| Allstate | $428 | $386 | $408 |
| American Family | $285 | $281 | $295 |
| Farmers | $375 | $327 | $347 |
| Geico | $286 | $250 | $268 |
| Liberty Mutual | $530 | $484 | $505 |
| Nationwide | $292 | $283 | $287 |
| Progressive | $363 | $311 | $335 |
| State Farm | $288 | $255 | $272 |
| Travelers | $385 | $352 | $372 |
| USAA | $222 | $200 | $212 |
While full coverage is more expensive, it might be necessary for a modified vehicle.
You might even need special coverage on your auto insurance policy to cover modifications if they are damaged. Read more about the best auto insurance companies that cover modified cars.
Every auto insurance company offers different coverages to protect your vehicle and any modifications.
How can disabled drivers save money on auto insurance?
Unfortunately, there isn’t free car insurance for disabled drivers. However, there are great ways to save on car insurance.
First, take advantage of auto insurance discounts. Insurance companies offer discounts based on your driving record, the type of policies you have, and even the safety features of your car.
This table shows you common car insurance discounts from the top insurance companies. The amount of the discount is listed if it is known.
Auto Insurance Discounts by Company
| Discount Name | Allstate | American Family | Farmers | Geico | Liberty Mutual | Nationwide | Progressive | State Farm | Travelers | USAA |
|---|---|---|---|---|---|---|---|---|---|---|
| Adaptive Cruise Control | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Adaptive Headlights | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Anti-lock Brakes | 10% | ✓ | ✓ | 5% | 5% | 5% | ✓ | 5% | ||
| Anti-Theft | 10% | ✓ | 23% | 20% | 25% | ✓ | 15% | |||
| Claim Free | 35% | ✓ | ✓ | 26% | ✓ | 10% | ✓ | 15% | 23% | 12% |
| Continuous Coverage | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% | ✓ | ||
| Daytime Running Lights | 2% | ✓ | 3% | 5% | 5% | ✓ | ✓ | |||
| Defensive Driver | 10% | 10% | ✓ | ✓ | 10% | 5% | 10% | 5% | 10% | 3% |
| Distant Student | 35% | ✓ | ✓ | ✓ | ✓ | 10% | ✓ | 7% | ||
| Driver's Ed | 10% | ✓ | ✓ | ✓ | 10% | ✓ | 10% | 15% | 8% | 3% |
| Driving Device/App | 20% | 40% | ✓ | ✓ | 30% | 40% | 20% | 50% | 30% | 5% |
| Early Signing | 10% | ✓ | ✓ | ✓ | ✓ | 8% | ✓ | ✓ | 10% | 12% |
| Electronic Stability Control | 2% | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | |
| Emergency Deployment | ✓ | ✓ | ✓ | 25% | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Engaged Couple | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Family Legacy | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 10% |
| Family Plan | ✓ | ✓ | ✓ | ✓ | ✓ | 25% | ✓ | ✓ | ✓ | ✓ |
| Farm Vehicle | 10% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Fast 5 | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Federal Employee | ✓ | ✓ | 12% | 10% | ✓ | ✓ | ✓ | ✓ | ||
| Forward Collision Warning | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | |
| Full Payment | 10% | ✓ | ✓ | $50 | ✓ | ✓ | ✓ | 8% | ✓ | |
| Further Education | ✓ | ✓ | 10% | 15% | ✓ | ✓ | ||||
| Garaging/Storing | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 90% | ||
| Good Credit | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
| Good Student | 20% | ✓ | 15% | 23% | 10% | ✓ | 25% | 8% | 3% | |
| Green Vehicle | 10% | ✓ | 5% | ✓ | 10% | ✓ | ✓ | ✓ | 10% | ✓ |
| Homeowner | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | 3% | 5% | ✓ | |
| Lane Departure Warning | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Life Insurance | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Low Mileage | ✓ | ✓ | ✓ | 30% | ||||||
| Loyalty | ✓ | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | |
| Married | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
| Membership/Group | ✓ | ✓ | ✓ | 10% | 7% | ✓ | ✓ | |||
| Military | ✓ | ✓ | 15% | 4% | ✓ | ✓ | ||||
| Military Garaging | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% |
| Multiple Drivers | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Multiple Policies | 10% | 29% | ✓ | 10% | 20% | 10% | 12% | 17% | 13% | |
| Multiple Vehicles | ✓ | ✓ | 25% | 10% | 20% | 10% | 20% | 8% | ||
| New Address | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| New Customer/New Plan | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| New Graduate | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| New Vehicle | 30% | ✓ | ✓ | 15% | ✓ | 40% | 10% | 12% | ||
| Newly Licensed | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Newlyweds | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Non-Smoker/Non-Drinker | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Occasional Operator | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Occupation | ✓ | 10% | 15% | ✓ | ✓ | ✓ | ||||
| On-Time Payments | 5% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% | ✓ | |
| Online Shopper | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 7% | ✓ | ✓ | ✓ |
| Paperless Documents | 10% | ✓ | ✓ | ✓ | 5% | $50 | ✓ | ✓ | ✓ | |
| Paperless/Auto Billing | 5% | ✓ | ✓ | ✓ | $30 | ✓ | $20 | 3% | 3% | |
| Passive Restraint | 30% | 30% | 40% | 20% | ✓ | 40% | ||||
| Recent Retirees | ✓ | ✓ | ✓ | ✓ | 4% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Renter | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Roadside Assistance | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Safe Driver | 45% | ✓ | 15% | ✓ | 35% | 31% | 15% | 23% | 12% | |
| Seat Belt Use | ✓ | ✓ | ✓ | 15% | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Senior Driver | 10% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Stable Residence | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Students & Alumni | ✓ | ✓ | ✓ | 10% | 7% | ✓ | ✓ | ✓ | ||
| Switching Provider | ✓ | ✓ | 10% | ✓ | ✓ | ✓ | ✓ | |||
| Utility Vehicle | 15% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Vehicle Recovery | 10% | ✓ | ✓ | 15% | 35% | 25% | ✓ | 5% | ||
| VIN Etching | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | |||
| Volunteer | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Young Driver | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | $75 |
Next, consider taking a defensive driving course. Not only will you get an additional auto insurance defensive driver discount, but you will also learn safe driving skills.
Also, consider a telematics program. Usage-based auto insurance and telematics systems monitor your driving behaviors. Many auto insurance companies give you a discount based on how well you score.
Some car companies, such as Dodge, Ford, and Honda, will help you pay for modifications to your vehicle. Although it doesn’t save you money on your auto insurance, it makes the vehicle cheaper.
What should disabled drivers know about auto insurance companies?
The most important thing to know is auto insurance companies can’t treat you any differently than other drivers. They can’t charge higher rates or refuse to offer you coverage based on your disability.
The only exception is drivers with conditions that affect their driving ability, such as epilepsy.
Another thing to be aware of is that auto insurance companies can’t prevent you from driving. Only the DMV in your state can revoke or restrict your driving based on a disability.
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Auto Insurance for Amputees: The Bottom Line
Car insurance for disabled drivers isn’t any more expensive than for other drivers. Auto insurance companies aren’t allowed to charge higher rates to disabled drivers.
However, you need to let your auto insurance company know if you have a specially modified vehicle since it is more expensive to repair.
Before you buy auto insurance for an amputee, shop around. Learn more about how to find and compare auto insurance quotes. Every insurance company will offer different rates, so compare multiple companies to find the best deal for you.
Enter your ZIP code to compare auto insurance rates for amputees for free.
Frequently Asked Questions
Will having an amputated limb affect my ability to obtain auto insurance?
Having an amputated limb should not prevent you from obtaining auto insurance. Insurance companies typically focus on factors such as driving record, vehicle type, and location when determining premiums. However, it’s important to disclose your condition to the insurance provider to ensure accurate coverage and potential discounts for adaptive vehicle modifications.
Will my auto insurance rates be higher due to my amputated limb?
Insurance rates are primarily influenced by factors such as driving record, age, location, and the vehicle you drive. While having an amputated limb may not directly impact your rates, if it affects your ability to operate a vehicle safely, your premiums may be higher. It’s important to discuss any limitations or adaptations you have made to your vehicle with your insurance provider to ensure proper coverage.
Are there any specific auto insurance requirements for individuals with amputated limbs?
There are typically no specific auto insurance requirements for individuals with amputated limbs. The general insurance requirements remain the same for all drivers. However, if you have made adaptive modifications to your vehicle, such as installing hand controls or a prosthetic limb for driving, it’s crucial to inform your insurance provider to ensure appropriate coverage.
Can I receive any discounts on auto insurance due to my amputated limb?
Some insurance companies offer discounts for adaptive vehicle modifications or for drivers with disabilities, including those with amputated limbs. These discounts can vary, so it’s recommended to inquire with your insurance provider about any available discounts. Additionally, organizations and associations related to disabilities may offer resources or discounts on auto insurance. Researching such options can help you find potential cost savings.
Should I inform my insurance provider about my amputated limb?
Yes, it’s crucial to inform your insurance provider about your amputated limb. Full disclosure of any relevant information is essential for accurate coverage. By informing your insurance provider, you can ensure that any adaptive modifications to your vehicle are included in the policy, and you may also be eligible for specific discounts or coverage tailored to your needs.
Can auto insurance cover adaptive modifications made to my vehicle due to my amputated limb?
Auto insurance may cover adaptive modifications made to your vehicle due to your amputated limb. These modifications could include hand controls, wheelchair lifts, or other specialized equipment. However, coverage can vary among insurance providers and policies. It’s advisable to review your policy or consult with your insurance provider to understand the extent of coverage for adaptive modifications.
Will I need any documentation or proof of my amputated limb for auto insurance purposes?
Insurance providers generally don’t require specific documentation or proof of your amputated limb. However, if you have made adaptive modifications to your vehicle, your insurance provider may request documentation or receipts as proof of the modifications. It’s recommended to keep records of any modifications made and consult with your insurance provider regarding their documentation requirements.
Can I be denied auto insurance coverage due to my amputated limb?
Insurance companies typically cannot deny coverage solely based on having an amputated limb. Insurance providers evaluate risk based on various factors, such as driving history and the vehicle you drive. However, if your amputated limb significantly affects your ability to drive safely, an insurance company may determine that providing coverage is not feasible. It’s advisable to consult with multiple insurance providers and explore your options to ensure you find coverage that meets your needs.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Rachel Bodine
Feature Writer
Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...
Feature Writer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.