Auto Insurance for Amputees (How to Save)

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 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...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Nov 24, 2021

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Things to Remember

  • 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.

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 disabled persons has the same rates and coverages. 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.

CompaniesAverage Annual Auto Insurance Rates for High CoverageAverage Annual Auto Insurance Rates for Low CoverageAverage Annual Auto Insurance Rates for Medium Coverage
American Family$3,416.40$3,368.49$3,544.37
Liberty Mutual$6,356.04$5,805.75$6,058.57
State Farm$3,454.80$3,055.40$3,269.80
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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 your modifications if they are damaged.

Every auto insurance company offers different coverages to protect your vehicle and any modifications.

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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
Auto Insurance DiscountsAllstate (%)American Family (%)Farmers (%)GEICO (%)Liberty Mutual (%)Nationwide (%)Progressive (%)State Farm (%)Travelers (%)USAA (%)
Adaptive Cruise ControlN/AN/AN/AN/A5N/AN/AN/A
Adaptive HeadlightsN/AN/AN/A5N/AN/AN/A
Anti-lock Brakes5555
Claim Free2610152312
Continuous CoverageN/AN/AN/A15N/A
Daytime Running Lights155N/A
Defensive Driver105105103
Distant StudentN/A107
Driver's Ed10N/A101583
Driving Device / AppN/A30402050305
Early SigningN/A8N/A1012
Electronic Stability ControlN/A5N/AN/AN/A
Emergency DeploymentN/AN/AN/A25N/AN/AN/AN/AN/AN/A
Family LegacyN/AN/AN/AN/AN/AN/A10
Family PlanN/AN/AN/A25N/AN/AN/AN/A
Farm VehicleN/AN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/A810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5N/AN/AN/A
Full PaymentN/A$5N/AN/A7.5N/A
Further EducationN/AN/AN/A1015N/AN/AN/A
Garaging / StoringN/AN/AN/AN/AN/AN/AN/A90
Good CreditN/AN/AN/AN/AN/A
Good Student1522.5102583
Green VehicleN/A5N/A10N/AN/AN/A10N/A
Lane Departure WarningN/AN/AN/AN/AN/AN/AN/A
Life InsuranceN/AN/AN/AN/AN/AN/AN/AN/A
Low Mileage30
Membership / GroupN/AN/AN/Ax107N/AN/AxN/A
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple Policies1029102010121713
Multiple Vehicles25102010208
New Customer / New PlanN/AN/AN/AN/AN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehicleN/AN/A401012
Newly LicensedN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/A
On-Time PaymentsN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless / Auto BillingN/A$30$233
Paperless DocumentsN/AN/A5$50N/AN/AN/A
Passive Restraint4020x40
Recent RetireesN/AN/AN/AN/A4N/AN/AN/AN/AN/A
Safe DriverN/AN/A15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverN/AN/AN/AN/AN/AN/AN/A
Stable ResidenceN/AN/AN/AN/AN/AN/AN/AN/A
Students & AlumniN/AN/A107N/AN/AN/AN/A
Switching ProviderN/AN/A10N/AN/AN/AN/A
Utility VehicleN/AN/AN/AN/AN/AN/AN/A
Vehicle Recovery1535255
VIN EtchingN/AN/AN/A5N/A
Young DriverN/AN/AN/AN/AN/AN/AN/A$75
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Next, consider taking a defensive driving course. Not only will you get an additional auto insurance discount, but you will also learn safe driving skills.

Also, consider a telematics program. Telematics monitors your driving behaviors, and 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 exceptions 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.

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. 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.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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