Best Auto Insurance for Cancer Patients in 2025 (Top 10 Companies)

Allstate, Erie, and American Family offer the best auto insurance for cancer patients, with rates starting at just $47 per month.

Our Top 10 Company Picks: Best Auto Insurance for Cancer Patients

These providers stand out for their affordable pricing, reliable service, and coverage options like medical payments and personal injury protection auto insurance.

Allstate ranks highest overall for combining strong discounts with personalized support. This guide explains how each company helps cancer patients stay covered during treatment and recovery.

If you’re a cancer patient and shopping around for the best car insurance premiums, enter your ZIP code into our free quote comparison tool and compare your rates against the top insurers.

Auto Insurance Rates for Cancer Patients

Cancer patients seeking affordable auto insurance can find a range of monthly rates across top providers, with monthly minimum coverage starting as low as $47 from Progressive and full coverage as low as $83 from Erie.

Cancer Patient Auto Insurance Monthly Rates

Liberty Mutual and Allstate have the highest full coverage auto insurance rates, but options like AAA, American Family, and State Farm provide more balanced pricing with strong support. This comparison highlights the importance of both affordability and reliable, flexible coverage for cancer patients.

Auto insurance rates for cancer patients vary by both age and gender. On average, females consistently pay lower premiums than males across all age groups. At age 35, females pay around $66 per month, while males pay $71.

Rates gradually increase with age, peaking at $77 for females and $82 for males by age 75. This trend reflects typical risk assessments in auto insurance, where older age and male gender often result in slightly higher premiums, even among cancer patients.

Cancer Patient Auto Insurance Rates by Driving History

Car insurance rates for cancer patients vary widely depending on driving history. Drivers with clean records pay the lowest monthly rates, beginning between $47 with Progressive and $48 with American Family.

Cancer Patient Auto Insurance Monthly Rates by Driving Record

Auto insurance premiums increase after incidents; an accident can raise premiums to $127 with Liberty Mutual, while Erie remains the most affordable at $72. A DUI results in the highest auto insurance premium, at $164, with Allstate, although Erie still offers a lower option at $91.

Even a single ticket can push premiums above $100, but American Family and Progressive maintain competitive rates at $63 and $66. Erie, Progressive, and American Family stand out for offering consistent affordability regardless of driving record.

Auto Insurance Coverage for Cancer Patients

Cancer patients require auto insurance that can be tailored to their specific health and lifestyle needs. The best cancer insurance policies offer vital protection and peace of mind during treatment or recovery.

• Medical Payments Coverage (MedPay): This coverage pays medical expenses after an accident, regardless of fault, making it particularly useful for cancer patients with high healthcare costs.
• Personal Injury Protection (PIP): PIP covers medical bills, lost wages, and essential services, ideal if cancer treatment affects your ability to work or manage daily tasks after an accident.
• Comprehensive Coverage: Comprehensive insurance covers theft, vandalism, and other non-collision damage—useful when your car is parked during treatment visits.
• Roadside Assistance: Cancer patients may face fatigue or side effects that make breakdowns more stressful. Roadside assistance provides quick help, reducing risks and disruptions to treatment.
• Usage-Based or Low-Mileage Insurance: If you’re driving less due to treatment or recovery, usage-based insurance can help lower your premiums, making it a helpful option for cancer patients with limited travel needs.

Auto insurance for cancer patients should address the challenges of treatment and recovery. The right coverage can help reduce stress, meet medical needs, and even support mobility.

Whether you’re seeking peace of mind on the road or savings that align with a lower-mileage lifestyle, these types of auto insurance offer meaningful support during a difficult time.

Medical Conditions That Affect Auto Insurance

While having a medical condition, such as a pacemaker, may not directly affect your auto insurance rates, it’s essential to be transparent with your insurer, especially when considering options like medical payments coverage on your auto insurance, which can help cover accident-related healthcare costs.

Since insurers are most interested in driving-related risks, you need to disclose conditions that could impact your mental, cognitive, or physical faculties in order to prevent challenges over your coverage. Even if it may not seem like their business, failing to report such conditions could put your policy at risk.

Medical conditions to disclose include arthritis, diabetes, heart issues, epilepsy, dementia, stroke, vision problems, and sleep apnea. When in doubt, notify your insurer to maintain your coverage and stay protected.

Cancer Patient Auto Insurance Discounts

There are many car insurance discounts available that can dramatically reduce monthly premiums for cancer patients. Good driver discounts tend to be the most robust, with Nationwide offering up to 40% and AAA, Farmers, and Progressive offering 30%.

Top Auto Insurance Discounts for Cancer Patients

Bundling policies also leads to significant savings, reaching 25% with providers such as Allstate, American Family, Erie, and Liberty Mutual. Defensive driving discounts vary, with Progressive offering the highest at 30%, followed by Travelers at 20%.

Low-mileage discounts can reach 30% with top insurers, and Liberty Mutual leads in anti-theft savings at 35%. With strong overall discounts, Progressive, Liberty Mutual, and American Family are great picks for budget-conscious cancer patients.

10 Best Auto Insurance Companies for Cancer Patients

Below are the best auto insurance companies for cancer patients, according to our ranking of insurers based on affordability, reliability, and the ability to accommodate a cancer patient’s medical and lifestyle needs while they are undergoing treatment or in recovery.

These insurers offer MedPay, PIP, roadside assistance, and flexible billing options, along with discounts for safe driving and low mileage, to help cancer patients stay covered, manage treatment costs, and lower auto insurance rates.

#1 – Allstate: Top Overall Pick

Pros

• Strong Customer Satisfaction: Allstate has a J.D. Power customer satisfaction rating of 829/1,000, demonstrating excellent service performance, which is particularly appealing to cancer patients who require prompt service.
• Accident Forgiveness Option: Allstate offers accident forgiveness, which prevents rate increases after your first accident, helpful for cancer patients who may be dealing with treatment-related distractions.
• Drivewise Program for Safer Driving: Allstate offers up to 40% off for safe driving, helping cancer patients who drive carefully save more. Read our Allstate auto insurance review for full details.

Cons

• Higher Monthly Premiums: Allstate’s full coverage averages $228 a month, which may be steep for cancer patients with high medical costs.
• Limited Customization for Medical Needs: Allstate doesn’t offer specific policy options that address health-related driving limitations, a gap for cancer patients requiring flexibility.

#2 – Erie: Best for Filing Claims

Pros

• Lowest Minimum Coverage Rate: Erie also offers minimum coverage starting at just $32 per month, making it a great option for those seeking affordable coverage for cancer patients.
• Competitive Full Coverage: Offers full coverage for around $83 per month, putting it among the handful of companies with full coverage for less than $100. Learn more in our Erie auto insurance review.
• Reasonable DUI Premiums: Post-DUI coverage costs approximately $91 a month, significantly lower than Liberty Mutual’s $159, offering a second chance to individuals with imperfect records.

Cons

• No 24/7 Claims Support: Erie’s claims department is not fully 24/7, which can be stressful for cancer patients who need round-the-clock peace of mind.
• Basic Roadside Assistance: Erie’s roadside coverage is limited and less comprehensive than that of competitors like Travelers, which is an important factor for patients experiencing treatment fatigue.

#3 – American Family: Best for Loyalty Discounts

Pros

• Strong Discount Options: American Family offers up to 25% off for good drivers and 20% for multi-vehicle policies, helping cancer patients lower premiums during treatment-related financial strain.
• Supportive Claims Process: Customers report high claim satisfaction, which is key for cancer patients needing fast support or exploring free cars for cancer patients.
• Defensive Driving Discounts: Cancer patients can get a 5% discount by completing a defensive driving course, a simple way to save. Get a complete overview in our American Family auto insurance review.

Cons

• Fewer High-Risk Options: Cancer patients with complicated health or driving histories may find coverage options more limited compared to broader insurers like Progressive.
• Modest Safe Driver Discount: Offers an 18% safe driver discount, slightly lower than competitors like Progressive, reducing long-term savings potential for low-risk cancer patients.

#4 – Liberty Mutual: Best for Specialized Coverage

Pros

• High Anti-Theft Discount: Cancer patients can save up to 35% on premiums with Liberty Mutual’s anti-theft discount, useful if their vehicle is parked during extended treatment visits.
• Multiple Custom Coverage Add-Ons: Offers options such as roadside assistance, rental reimbursement, and better car replacement, which are valuable for cancer patients needing flexibility during treatment.
• Strong Online and App Support Tools: Liberty Mutual’s digital tools enable cancer patients to easily manage policies and claims from home. Find additional info in our Liberty Mutual auto insurance review.

Cons

• Inconsistent Customer Service Ratings: Service quality can vary by region, which may impact cancer patients who require reliable support during health challenges.
• May Lack Personalized Human Support: While online tools are helpful, some cancer patients may prefer in-person assistance that Liberty Mutual doesn’t emphasize.

#5 – Nationwide: Best for Personalized Service

Pros

• Customizable Policy Options: Nationwide offers a variety of policy options, including add-ons like medical payments coverage, which is particularly important for cancer patients with regular medical bills.
• Up to 40% Good Driver Discount: Cancer patients can save up to 40% with Nationwide’s good driver offer, making it one of the top cancer patient discounts during treatment or recovery.
• Usage-Based Insurance Available: Cancer patients can save with Nationwide’s SmartRide or SmartMiles programs, which are based on mileage. Check out our Nationwide auto insurance review for insights.

Cons

• Higher Rates for Younger Drivers: Premiums for younger cancer patients (e.g., age 25) can be higher than competitors’, with average monthly rates around $124 for males.
• Fewer Online Tools Than Competitors: Nationwide’s digital tools are less advanced than Progressive or Geico, which may be less convenient for cancer patients juggling treatment schedules.

#6 – Farmers: Best for Various Discounts

Pros

• Broad Coverage Options: Farmers provides extensive coverage, which includes PIP and medical payment coverages for cancer patients incurring recurring medical costs.
• Discounts for Defensive Driving: Cancer patients who complete a defensive driving course are eligible for a 10% discount, which can be applied to their car insurance. Explore our Farmers auto insurance review.
• High Safe Driver Discount: Farmers offers up to 20% off for safe drivers, making it a strong option for cancer patients with clean records looking to lower premiums.

Cons

• Fewer Multi-Vehicle Savings: Farmers offers 20% off for multi-vehicle policies, while AAA and Allstate offer 25%, providing more savings for households that need insurance for individuals with cancer.
• Availability Varies by Region: Certain Farmers features and discounts may not be available in all states, which could affect accessibility for some cancer patients.

#7 – State Farm: Best for Financial Stability

Pros

• Top-Rated Financial Strength: State Farm relies on its A++ A.M. Best rating for its stability when seeking the best cancer insurance for patients who already require solid coverage.
• Consistent Rate Stability: State Farm offers consistently stable premiums, making it a reliable choice for those managing car insurance and cancer needs.
• Strong National Presence: Available in all 50 states, ensuring continuity of coverage for cancer patients who may travel for treatment or relocate during care. See our State Farm auto insurance review for more.

Cons

• Accident Surcharges: A single at-fault accident can raise rates by up to 40%, making cheap cars for cancer patients and affordable insurance options crucial for those on fixed incomes.
• Slower Quote Process: The online quote turnaround can be slow, requiring agent contact, which is less convenient for cancer patients needing quick cancer insurance quotes.

#8 – AAA: Best for Roadside Assistance

Pros

• Competitive Discounts: Offers up to 30% off for good drivers and 25% off for multi-vehicle discounts, helping ease the costs for patients with medical expenses. Explore our AAA auto insurance review.
• Easy-to-Navigate Online Tools: Cancer patients can manage their coverage via the AAA app (rated 4.5/5), which eases stress during treatment, a benefit noted in cancer insurance reviews.
• Clear Coverage Details: With clear insurance policy terms, cancer patients have a clear understanding of their coverage. It also received 827/1,000 on J.D. Power’s policy clarity satisfaction rating.

Cons

• Limited Availability by Region: AAA operates through regional clubs, and policy offerings vary by region. A cancer patient in one state may not have access to the same benefits as those in another state.
• Membership Required: To access insurance, patients must also maintain an AAA membership, which can cost $50–$130 per year, adding to their ongoing expenses.

#9 – Travelers: Best for Flexible Policies

Pros

• Flexible Discount Programs: Offers up to 20% for defensive driving and 17% for safe driving, providing cancer patients with multiple ways to reduce their premiums. Read our Travelers auto insurance review for more.
• Strong Roadside Assistance Options: Travelers offers solid roadside assistance, which is particularly useful for cancer patients who may experience tiredness or a medical emergency.
• Affordable Starting Rates: Individuals with cancer can obtain minimum coverage for $53 per month, with a maximum of $141 per month, providing options for budgets at every range.

Cons

• Modest Multi-Vehicle Discount: With a discount of only 8%, insuring multiple cars is minimal, especially for families or caregivers supporting cancer patients with transportation needs.
• Lower Good Driver Discount: Offers only a 10% discount, significantly lower than Nationwide’s 40%, which reduces the savings potential for cancer patients with clean records.

#10 – Progressive: Best for an Extensive Network

Pros

• Nationwide Availability: Progressive is available in all 50 states, providing reliable coverage for cancer patients and is a popular option among cancer insurance providers.
• Large Repair Shop Network: Progressive provides cancer patients with fast and reliable service through more than 1,800 approved repair shops.
• Snapshot Program Savings: With usage-based insurance like Snapshot, cancer patients who drive less during treatment could save up to 30% on their policy. See our Progressive auto insurance review.

Cons

• Mixed Claims Satisfaction: J.D. Power scores Progressive slightly below average for claims satisfaction (861/1,000), which may be concerning for cancer patients who require smooth service.
• Rate Increases After Claims: Cancer patients involved in even minor accidents may experience premium hikes, especially if they are not eligible for accident forgiveness.

Get the Best Auto Insurance for Cancer Patients

Cancer patients may be eligible for specialized auto insurance policies that prioritize affordability, flexibility, and comprehensive medical benefits. With plans starting at just $47 per month from trusted providers like Allstate, Erie, and American Family, the best auto insurance for cancer patients helps ease financial stress during treatment.

Features such as personal injury protection, usage-based insurance pricing, and specialized discounts ensure coverage fits both health challenges and lifestyle changes.

Cancer patients can find affordable auto insurance, regardless of driving record, by entering their ZIP code into our free quote comparison tool.