Cheap Auto Insurance for Wheelchair-Accessible Vehicles in 2024
Geico, USAA, and American Family have the best wheelchair-accessible vehicle insurance rates. Geico offers the cheapest car insurance for wheelchair-accessible vehicles at $180/mo for full coverage. Scroll down to compare wheelchair-accessible vehicle insurance quotes by driving record, credit score, and commute.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
UPDATED: Apr 15, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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: Apr 15, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Geico, USAA, and American Family have the cheapest wheelchair-accessible vehicle insurance rates
- Your driving record has the biggest impact on car insurance costs
- Insurance companies consider the modifications on your wheelchair-accessible vehicle to set rates
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.
Be sure to disclose your disability fully to get the best possible price. Your physical disability will not impact your car insurance rates, but companies will charge more for certain types of vehicle modifications, including:
- Amputee rings
- Floor-mounted steering
- Pedal extenders
- Push-pull hand controls
- Siren detectors for the hearing impaired
- Wheelchair-adjustable seats and seat belts
- Wheelchair lifts/ ramps
Compare wheelchair-accessible vehicle insurance rates online to find the company with the best rates on your modified parts coverage. This guide breaks down car insurance rates for the most popular types of wheelchair-accessible vans and vehicles to get you the most accurate car insurance quotes.
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.
Companies | Rates with Clean Record | Rates with With 1 Accident | Rates with 1 DUI | Rates with 1 Speeding Violation |
---|---|---|---|---|
USAA | $1,933.68 | $2,516.24 | $3,506.03 | $2,193.25 |
Geico | $2,145.96 | $3,192.77 | $4,875.87 | $2,645.43 |
American Family | $2,693.61 | $3,722.75 | $4,330.24 | $3,025.74 |
Nationwide | $2,746.18 | $3,396.95 | $4,543.20 | $3,113.68 |
State Farm | $2,821.18 | $3,396.01 | $3,636.80 | $3,186.01 |
Progressive | $3,393.09 | $4,777.04 | $3,969.65 | $4,002.28 |
Travelers | $3,447.69 | $4,289.74 | $5,741.40 | $4,260.80 |
Farmers | $3,460.60 | $4,518.73 | $4,718.75 | $4,079.01 |
Allstate | $3,819.90 | $4,987.68 | $6,260.73 | $4,483.51 |
Liberty Mutual | $4,774.30 | $6,204.78 | $7,613.48 | $5,701.26 |
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:
- Do all car insurance companies check your driving records?
- 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
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
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.
Company | Average Annual Car Insurance Rates with Fair Credit | Average Annual Car Insurance Rates with Good Credit | Average Annual Car Insurance Rates with Poor Credit |
---|---|---|---|
USAA | $2,219.83 | $1,821.20 | $3,690.73 |
State Farm | $2,853.00 | $2,174.26 | $4,951.20 |
Geico | $2,986.79 | $2,434.82 | $4,259.50 |
American Family | $3,169.53 | $2,691.74 | $4,467.98 |
Nationwide | $3,254.83 | $2,925.94 | $4,083.29 |
Farmers | $3,899.41 | $3,677.12 | $4,864.14 |
Progressive | $3,956.31 | $3,628.85 | $4,737.64 |
Travelers | $4,344.10 | $4,058.97 | $5,160.22 |
Allstate | $4,581.16 | $3,859.66 | $6,490.65 |
Liberty Mutual | $5,604.24 | $4,388.18 | $8,802.22 |
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 really pays to shop around and get multiple quotes to see where you can save.
Learn More: 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.
Companies | 10 Miles Commute 6000 Annual Mileage | 25 Miles Commute 12000 Annual Mileage |
---|---|---|
USAA | $2,482.69 | $2,591.91 |
Geico | $3,162.64 | $3,267.37 |
State Farm | $3,175.98 | $3,344.01 |
American Family | $3,401.30 | $3,484.88 |
Nationwide | $3,437.33 | $3,462.67 |
Progressive | $4,030.02 | $4,041.01 |
Farmers | $4,179.32 | $4,209.22 |
Travelers | $4,399.85 | $4,469.96 |
Allstate | $4,841.71 | $4,934.20 |
Liberty Mutual | $5,995.27 | $6,151.63 |
This isn’t nearly as big of a factor as your credit or driving record, but it’s definitely worth noting. Even a 5% increase at State Farm can add up.
What to Consider When Applying For Wheelchair-Accessible Vehicle Insurance
You may want to consider the following concepts before you by 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.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
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 own 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: 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.
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. And 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.
Metric | Very Large Cars Details |
---|---|
Registered Vehicles | 1,787,340 |
Deaths | 47 |
Rate (deaths per million registered vehicles) | 26 |
The fatality rate of 26 per million registered vehicles isn’t bad, actually. 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: 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.
Make of Van | Percentage of Total Wheelchair Vans Sold |
---|---|
Dodge | 35% |
Ford | 23% |
Toyota | 14% |
Chrysler | 13% |
Chevrolet | 2% |
Other | 9% |
Honda | 4% |
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 the vehicles even if there is one in their household.
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 handicap 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.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
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.
Frequently Asked Questions
What should you consider when applying for car insurance for your wheelchair-accessible vehicle?
It’s important to fully disclose all modifications made to the vehicle, including hand controls and other equipment. Ensure that the modifications were installed properly by a licensed installer. Additionally, make sure that any handicapped equipment, such as wheelchairs, is covered under your insurance policy.
What should you look for to get handicap vehicle car insurance coverage?
Shop and compare insurance plans from different providers. Be aware of any state laws that protect physically challenged individuals from discrimination in insurance coverage. By asking questions and comparing policies, you can find suitable insurance for your wheelchair-accessible vehicle.
Will Medicaid pay for a wheelchair van?
Unfortunately, Medicaid also doesn’t generally cover insurance for a wheelchair-accessible van.
Does Medicare pay for a wheelchair-accessible van?
Medicare generally does not cover handicap vans or handicap modifications to vehicles, but it might help cover your wheelchair or scooter costs. You may also qualify for a state grant to purchase a wheelchair-accessible vehicle.
Why are wheelchair-accessible vehicles so expensive?
Wheelchair-accessible vehicles have expensive parts and modifications that make them more valuable when damaged in an accident.
What’s the difference between handicap accessible and wheelchair accessible?
A vehicle that is handicap-accessible may not necessarily have a wheelchair ramp, so it is important to find wheelchair-accessible vehicles with the modifications you need.
What is the best handicap accessible vehicle?
The Dodge Caravan is one of the most popular models converted into handicap and wheelchair-accessible vehicles.
What is the easiest car for a wheelchair?
Minivans are often the easiest car to convert for wheelchair accessibility.
How do you turn a van into a wheelchair accessible?
There are many ways to make a vehicle wheelchair-accessible, such as installing lifts and ramps, lowering the floor, and installing safety devices to secure the wheelchair while inside the vehicle.
Does insurance cover the cost of a wheelchair?
Car insurance doesn’t cover wheelchairs unless you have PIP or MedPay. Health insurance typically pays for some or all costs of a wheelchair.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
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.