Cheap Car Insurance for Wheelchair-Accessible Vehicles in 2024 (Save Big With These 10 Companies!)

The top picks for cheap car insurance for wheelchair-accessible vehicles are Geico, USAA, and American Family. These providers are distinguished by their affordable pricing and specialized coverage.

If you’re looking for disability car insurance, make sure you have the right policy to cover any vehicle modifications. Geico, USAA, and American Family have the best wheelchair-accessible vehicle insurance rates starting at $180/mo.

Our Top 10 Company Picks: Cheap Car Insurance for Wheelchair-Accessible Vehicles

Fully disclose your disability for accurate insurance rates. While your condition won’t affect premiums, certain vehicle mods can increase costs. Compare online for wheelchair-accessible vehicle insurance, focusing on coverage for modified parts. This guide outlines rates for popular accessible vehicles to help you get accurate quotes.

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#1 – Geico: Top Overall Pick

Pros

• Competitive Senior Rates: Geico offers especially low rates for seniors, starting at $30/month.
• Strong Financial Rating: Rated A++ by A.M. Best, indicating excellent financial stability. See more details on our Geico car insurance review.
• Comprehensive Discounts: Offers a variety of discounts including for safe driving and vehicle safety features.

Cons

• Customer Service Variability: Some customers report variability in service quality.
• Policy Customization: Fewer customization options for policies compared to competitors.

#2 – AAA: Best for Roadside Assistance

Pros

• Exceptional Roadside Assistance: AAA is renowned for its comprehensive roadside help.
• Decent Financial Strength: Rated A by A.M. Best. Discover more about offerings in our AAA car insurance review.
• Additional Member Benefits: Access to various discounts and travel services beyond insurance.

Cons

• Higher Rates for Non-members: Non-members may face higher rates.
• Limited Availability: Insurance offerings can vary significantly by region.

#3 – State Farm: Best for High-Risk Drivers

Pros

• Bundling Policies: Significant discounts for bundling multiple insurance policies.
• High Low-Mileage Discount: Substantial savings for drivers with lower annual mileage.
• Wide Coverage: Offers a range of coverage options tailored to different needs. Read up on the State Farm car insurance review for more information.

Cons

• Limited Multi-Policy Discount: Smaller multi-policy discounts compared to some competitors.
• Premium Costs: Despite discounts, premiums can be higher for certain coverage levels.

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#4 – Travelers: Best for Unique Coverage

Pros

• Innovative Coverage Options: Travelers offers unique insurance solutions that cater to specific needs.
• High Financial Rating: An A++ rating from A.M. Best assures strong financial health.
• Flexible Policy Options: A wide range of policy adjustments are available. Learn more in our Travelers car insurance review.

Cons

• Pricing: Premiums can be higher, especially for unique coverage options.
• Complex Policies: Some customers find their policy options complex and hard to understand.

#5 – Progressive: Best for UBI Discount

Pros

• Strong UBI Discounts: Progressive’s Snapshot program can significantly reduce premiums.
• Varied Discounts: Offers multiple discounts including multi-car, safe driver, and online quotes.
• Responsive Customer Service: Known for efficient claim handling and customer support. Unlock details in our Progressive car insurance review.

Cons

• Variable Rates Post-Trial: UBI program can result in higher rates for some drivers post-trial.
• Policy Pricing: Generally higher rates before discounts apply.

#6 – Nationwide: Best for Commercial Insurance

Pros

• Tailored Commercial Policies: Specializes in a wide array of commercial insurance options.
• Discounts for Business Bundling: Discounts are available when bundling multiple business policies.
• Strong Agent Network: Robust network of agents specialized in commercial risks. Check out insurance savings in our complete Nationwide car insurance discounts.

Cons

• Higher Premiums: This can be pricey, especially for specialized commercial policies.
• Complex Claims Process: Some business clients find the claims process cumbersome.

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#7 – American Family: Best for Customer Service

Pros

• Exceptional Customer Support: American Family is highly rated for its customer service.
• Broad Coverage Options: Offers a comprehensive range of coverage including unique personal property insurance.
• Rewards Program: Benefits for customer loyalty and multiple policy holdings. Delve into our evaluation of the American Family car insurance review.

Cons

• Availability: Not available in all states, limiting potential reach.
• Rate Fluctuations: Some customers report inconsistent rate changes.

#8 – Farmers: Best for Policy Add-ons

Pros

• Extensive Add-ons: Farmers offers numerous add-ons for personalized coverage.
• Dedicated Agents: Known for personalized service through a vast agent network.
• Recovery and Assistance Services: Strong support services in case of loss. Delve into our evaluation of Farmers car insurance review.

Cons

• Cost: Generally higher base premiums before add-ons.
• Complexity in Policies: Some customers find their policies to be complex and difficult to manage.

#9 – Allstate: Best for Drivewise Programs

Pros

• Innovative Drivewise Program: Rewards safe driving with potential savings. More information is available about this provider in our Allstate car insurance review.
• Multiple Discount Opportunities: Offers various discounts including new car and anti-theft.
• Strong Online Tools: Provides a robust set of online tools for policy management.

Cons

• Higher Rates: Rates tend to be higher compared to other insurers.
• Customer Feedback: Some dissatisfaction with claim resolution times.

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#10 – Liberty Mutual: Best for Policy Options

Pros

• Wide Range of Policy Choices: Offers a broad array of policy options to suit diverse needs.
• Customizable Packages: Allows extensive customization of policies. Discover insights in our Liberty Mutual car insurance review.
• Strong Financial Health: Maintains a solid A rating from A.M. Best.

Cons

• Premium Pricing: Generally higher rates for their extensive coverage options.
• Mixed Customer Service Reviews: Some customers report variability in service quality.

Monthly Premiums for Wheelchair-Accessible Vehicle Insurance

Auto insurance rates for wheelchair-accessible vehicles vary significantly between providers, reflecting differences in the scope and extent of coverage offered. Here’s a breakdown of the monthly costs you might expect:

Car Insurance for Wheelchair-Accessible Vehicles: Monthly Rates by Coverage Level & Provider

Geico offers the most affordable minimum coverage at $30 and full coverage at $78 per month, making it a budget-friendly option for those seeking comprehensive benefits at a lower cost. Close behind, AAA and State Farm present competitive rates for both minimum and full coverage, costing $32/$84 and $33/$84 respectively.

Travelers and Progressive edge slightly higher, with Travelers charging $37 for minimum and $97 for full coverage, while Progressive’s rates are $38 for minimum and $103 for full. Nationwide and American Family also offer robust packages at moderate price points, with Nationwide at $43/$112 and American Family at $43/$114.

On the higher end of the spectrum, Farmers, Allstate, and Liberty Mutual present higher rates, reflective of their extensive coverage options, charging $52/$136, $60/$157, and $66/$170 respectively for minimum and full coverages. See more details on our “Compare Monthly Car Insurance: Rates, Discounts, & Requirements.”

Compare Wheelchair-Accessible Vehicle Insurance Rates by Driving Record

Look at the table below to see how much one speeding ticket, at-fault accident, or DUI can affect your car insurance rates.

Full Coverage Car Insurance Monthly Rates by Driving Record & Provider

Your driving record is the single most influential factor on your premium rates. If you even get one speeding ticket, your rates can go up anywhere from 12 to 24% with these major insurers.

One accident that’s your fault is worse at an increase of 20% to 49%. But a DUI increases rates by 17% to 127%, with Geico charging the highest rates for this offense.

Read More:

• Compare Car Insurance Rates With a Bad Driving Record
• Compare Car Insurance Rates After a DUI
• Compare Best Car Insurance Companies That Accept DUI
• Compare Car Insurance Rates for Disabled Drivers
• Do all car insurance companies check your driving records?

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Compare Wheelchair-Accessible Vehicle Insurance Rates by Credit Score

Credit is a pretty big factor, too. Unless you live in a state that has passed legislation that prevents discrimination based on factors like your credit history, you’ll be seeing a difference here.

Full Coverage Car Insurance Monthly Rates by Credit Score & Provider

If you have poor credit, you could be paying 27% more than your counterpart with good credit with Travelers but 128% more with State Farm. In this instance, it pays to shop around and get multiple quotes to see where you can save.

Learn more by reading our guide: What are the benefits of State Farm?

Compare Wheelchair-Accessible Vehicle Insurance Rates by Commute

Your commute length also affects your rates. If you’re working from home or close by, you’ll see cheaper rates than if you’re driving half an hour or longer every day.

Full Coverage Car Insurance Monthly Rates by Annual Mileage & Provider

This isn’t nearly as big of a factor as your credit or driving record, but it’s worth noting. Even a 5% increase at State Farm can add up. Delve into our evaluation of “Do all car insurance companies check your driving records?”

What to Consider When Applying for Wheelchair-Accessible Vehicle Insurance

You may want to consider the following concepts before you buy wheelchair-accessible vehicle insurance:

• Full Disclosure: When looking into how to insure a wheelchair-accessible vehicle, be sure to fully disclose all modifications to your vehicle. Different types of changes can have different effects on your rates. It’s really important that these modifications were installed properly by a licensed installer.
• Equipment Coverage: Make sure that any of the handicapped equipment, such as wheelchairs, is covered under your insurance. Wheelchairs that are going to be placed on the outside of your vehicle, as well as any other equipment that you take with you, should be covered.
• Disability Classification: Fully disclose your specific disability to remove doubts about your level of risk while driving. Your rates may be determined based on the likelihood of an accident due to your disability but not because of the disability itself.

Ask questions before signing up when you have a wheelchair-accessible vehicle.

If you ask the right questions when you apply for insurance, you will be able to compare different types of insurance coverage adequately and make a more educated decision on your policy.

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Wheelchair-Accessible Vehicle Insurance Coverage Explained

Before you ever set out on the road, make sure you have your car covered. At the very least, that means:

• Liability Insurance: Covers property damage and injuries you cause in a collision
• Personal Injury Protection (PIP): Pays for medical bills, living expenses, and lost wages after an accident
• Medical Payments Coverage (MedPay): Covers medical bills and rehabilitation costs after an accident
• Uninsured and Underinsured Driver Insurance (UM/UIM): Covers damages caused by a hit-and-run or uninsured driver

But that’s just the bare minimum. The chances are good that your car was pretty expensive, so you’ll want to get something that will cover your damages if you get into an accident.

Consider these other types of wheelchair-accessible vehicle insurance policies, otherwise, you might have to pay out of pocket for repairs.

• Collision Insurance: Covers your vehicle damage in the event of a wreck.
• Comprehensive Insurance: Covers other types of events, like hail damage, hitting an animal, theft, or fire damage.
• Gap Insurance: Covers payments left on an auto lease or loan after a vehicle is totaled in an accident (For more information, read our “How do I find out if GAP insurance is included in my car lease?“).
• Modified Parts Coverage: This covers the cost of customized auto parts damaged in a covered event.

With the average cost of a brand new wheelchair-accessible vehicle at $80,000, that’s something you’ll want to protect. Even an older vehicle has specialized equipment that you’ll want to keep covered.

What should I know about wheelchair-adapted car insurance? Wheelchair-adapted car insurance typically covers all the standard elements of auto insurance along with additional coverage for modifications such as wheelchair ramps, lifts, and customized driving controls.

Learn More: Compare Car Insurance Companies That Allow Modifications

How Safety Ratings Impact Wheelchair-Accessible Vehicle Insurance Rates

Safety is a big deal for everybody. Most wheelchair-accessible vehicles are either vans or SUVs. Larger wheelchair-adapted vehicles have more space between you and the collision. A large van or SUV has a lot of metal between you and the force of the impact, especially in a frontal collision, which accounts for more than half of fatalities from car crashes.

Let’s look at that data for very large cars — a category here that includes the sort of large minivan that compiles a large portion of wheelchair-accessible vehicles.

The fatality rate of 26 per million registered vehicles isn’t bad. If you compare it to the rate for all cars — which is 48 per million — you can see that it is far lower. A lot of that comes down to the fact that they’re such large vehicles.

However, that’s not the only thing that goes into how safe a vehicle is. There’s a lot of variety within a vehicle type, so it’s important to check safety ratings before choosing your vehicle. This will affect your car insurance rates, also. Insurers want to know they’ll have a lower risk by insuring the vehicle. Learn more in our “Safety Features Car Insurance Discounts.”

Most Commonly Insured Wheelchair-Accessible Vehicles

A wheelchair-accessible vehicle is usually just adapted from a popular large vehicle. Many are minivans, but there are more and more options out there, like SUVs and pickups.

Share of Wheelchair Vans Sold in the U.S.

Dodges and Fords make up the largest portion, by far. One out of every three wheelchair or handicapped-accessible vehicles sold in the U.S. was a Dodge vehicle. One out of every four was a Ford, and one out of every seven was a Toyota.

• 60.4% of people with disabilities drive vehicles
• 91.7% of people without disabilities drive vehicles

More than twice as many non-workers with a disability live in a household without a vehicle than those without a disability. Not only that, but they’re also less likely to drive vehicles even if there is one in their household.

How should you go about getting van insurance for a converted vehicle? When seeking van insurance for a converted vehicle, it’s important to provide detailed information about all modifications to ensure full coverage. Compare insurers that offer specialized mobility vehicle insurance to find the best rates and coverage options.

Read More:

• Compare Ford Car Insurance Rates
• Compare Dodge Car Insurance Rates
• Compare Toyota Car Insurance Rates

Top Questions to Ask Before Buying Wheelchair-Accessible Vehicle Insurance

By asking these questions upfront, you will have less trouble finding the right coverage as you compare wheelchair-accessible vehicle insurance rates and companies.

• What do you consider a modification on a vehicle?
• What are the rates for a handicapped driver with my specific disability?
• How can I decrease my insurance rates?
• Do you offer any disability discounts?
• Do you offer comprehensive coverage for handicapped equipment that rides outside my vehicle?

All of these questions will shed some light on your particular options with different companies. If the quote you receive is too high, you may want to consider another company. Unlock details in our “What affects a car insurance quote?”

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How to Get The Best Wheelchair-Accessible Vehicle Insurance Rates

If you are disabled and your auto insurance will be affected by your disability or your use of a wheelchair or other mobility products, you can be charged a higher rate, but you do have rights. You are entitled to coverage as long as your disability does not interfere greatly with your ability to drive safely.

Remember that auto insurance rates are based on a variety of factors, including your age, gender, location, marital status, credit score, and driving record. If your rates are too high, make sure to ask your insurance provider about any discounts that you are eligible for. Most insurance providers offer several discounts, and they can significantly lower the cost of your auto insurance.

If you present the proper information regarding your disability, ask questions, and compare wheelchair-accessible vehicle insurance rates online, there is no reason why you can’t get affordable insurance for a wheelchair-accessible vehicle. Discover insights in our “Finding Free Car Insurance Quotes Online.”

You can start right now. Just enter your ZIP code and get online car insurance quotes for your next international trip today.

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