Auto Insurance for MS Sufferers

You won't be disqualified from auto insurance as an MS sufferer. Many insurers offer policy add-ons, like custom or special equipment coverage, for the disabled.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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

UPDATED: Jul 18, 2021

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Things to remember...

  • There are many thousands of drivers on the roads of the nation who live with multiple sclerosis (MS)
  • These drivers face special challenges that can make it hard to find affordable and appropriate car insurance coverage
  • Drivers who suffer from MS can save time, money, and effort by using the services of car insurance comparison shopping websites

Millions of people who live in the U.S. also live with disabling medical conditions such as multiple sclerosis.

Many of these MS sufferers need to drive for the same reasons that everyone else needs to drive, but, because of possible MS-related driving issues, these MS sufferers often face special challenges in the personal car insurance arena.

This article will take a look at some of these car insurance issues that MS sufferers should be aware of as they search for adequate and effective car insurance coverage.

It will take a look at some car insurance coverage options that are often useful for people living with MS, and will take another look at ways for these long-suffering individuals to enjoy the possible benefits of car insurance comparison shopping websites.

Compare car insurance options right now by using our free quote tool above.

Car Insurance Considerations for MS Sufferers

MS is a progressive neurological illness that can result in the loss of many physical and mental abilities.

While much remains to be learned about this presently incurable illness, it has been established that a root cause of this illness is inflammation in the nervous system that attacks myelin, a special nerve-coating.

Over time, some of the bodily systems that can be affected by this disease include:

  • vision
  • cognition
  • motor control
  • reflexes
  • hearing
  • equilibrium

When these physical and mental systems break down as a result of the progression of MS, the ability to perform many tasks associated with driving a car may be impaired.

These physical and mental breakdowns that are related to so-called MS relapses can include the following symptoms.

  • Vision loss
  • Seizures
  • Poor coordination
  • Reduced reaction time
  • Passing out
  • Sensation loss
  • Weakness in the hands or feet
  • Memory loss

When these MS symptoms take hold, many tasks that are fundamental to driving can become difficult to perform. Some of these critical driving tasks can include steering, pedal operation, situational awareness, and visual acuity.

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Because the severity of symptoms can vary from person to person, drivers who have MS should be prepared to undergo periodic driving evaluations.

These driving evaluations are performed by state motor vehicle authorities and serve to measure the capabilities and needs of drivers who have MS, as well as verifying their abilities to operate motor vehicles safely.

Drivers who have MS and need to undergo driving evaluations should be at a minimum ready to complete tests for visual acuity, physical motor control, and cognitive functioning.

Drivers with MS who have commercial driver’s licenses (CDLs) and drive trucks for a living should, in particular, be ready to undergo a battery of such tests. MS sufferers with CDL’s who do well on such tests are often able to pursue successful careers on the open road.

Because drivers who have MS face a loss of function over time, they often need their vehicles to be fitted with special modifications that allow them to continue to drive. These modifications can include:

  • Steering wheel spinner knobs
  • Adaptive mechanical controls for brake and gas pedal operation
  • Digital driving controls
  • Joysticks or other single-hand control devices
  • Special seats that promote mobility
  • Vans or trucks with wheelchair lifts

One way to overcome high insurance costs is to shop around for coverage, and one of the most effective ways to shop around for coverage is to use car insurance comparison shopping websites.

These websites can list the policy information of hundreds if not thousands of different insurance companies, allowing customers with MS to find the best options for the best prices.

When it comes to overcoming discrimination, there is a useful federal law in place that provides protection for people living with disabilities. This law, called the Americans with Disabilities Act of 1990, was originally enacted in 1990 but improved upon in 2008.

It prohibits insurance companies from using a person’s medical history or disabilities to discriminate against them in any way.

Insurance shoppers with MS who feel that they may be victims of discrimination should keep records of any instances of such discrimination and seek legal counsel at the first opportunity.

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Car Insurance Coverage Options That Make Sense for MS Sufferers

People who have MS fill many vital roles in society. They are teachers, business persons, parents, professors, writers, and much more.

Even though their disability can make life tougher for them, these valuable citizens deserve to be afforded the same respect and car insurance protections as every other driver on the road.

Compare car insurance options by using our free quote tool below.

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