Best Auto Insurance for Amputees (2021)

If you need to find the best auto insurance for amputees, there are a few caveats. It is likely that you or your loved one would need a vehicle modification after an amputation. Inform your insurer of this frequently costly addition so you can be reimbursed for it as well should you total your vehicle. Compare auto insurance quotes for amputees from at least three companies and always inquire about discount availability.

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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
Insurance Feature Writer Rachel Bodine

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 insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Sep 9, 2021

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What You Should Know

  • An insurer cannot deny you coverage solely due to an amputation or disability
  • The DMV and your doctor collaborate to inform the insurer whether or not you are able to operate a motor vehicle safely
  • Insure any modifications to your vehicle (such as amputee rings)

How can I find the best auto insurance quotes for amputees in my area? Are there disability car insurance rules? We’ll answer those questions and more as we analyze auto insurance for amputees.

How much auto insurance coverage do I need? We’ll go into details on the law, coverage forms, and coverage availability.

Before we dive into finding the affordable auto insurance for amputees, type your ZIP code into our free and helpful tool above. With it, you will be able to find the most affordable auto insurance quotes in your area.

Is auto insurance for amputees more expensive?

Provided that being an amputee is classified as disabled, can an insurance company charge someone with an amputation more for auto insurance?

According to Nolo, if an amputation renders an individual unable to work, they could be eligible for Social Security disability benefits.

However, someone cannot be charged more (or less) for auto insurance solely because of an amputation.

Then how does an insurer determine one’s rates? It’s all about risk, particularly when it comes to one’s driving record or current ability to operate a motor vehicle.

In truth, vision or mobility issues will deem you a riskier client in the eyes of the insurer. Even still, the insurer can charge more only if your ability to drive is impaired.

With advances in medical science, this is not always applicable to amputees. It is more or less based on your individual situation and mobility.

Who decides whether or not you can operate a motor vehicle safely? Not the insurance company (they can’t deny just because of a disability). Rather, it’s via the collaboration of your DMV and a medical professional.

Let’s move on and see what effect vehicle modifications have.

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Auto Insurance for Amputees: Vehicle Modifications

Someone with one or more amputations is almost certainly going to need something outside of what is found in a standard auto lot. Modifications (like amputee rings and pedal extenders) must also be insured.

How do you do this? Inform your insurer of these modifications and their financial value. What happens if you don’t insure them and your vehicle is totaled? You will receive no reimbursement for these modifications.

What kind of coverage do you need to be able to cover modifications? You’ll need both collision and comprehensive coverage.

What’s the difference between comprehensive and collision coverage? Collision is for striking another individual’s vehicle while comprehensive is “Acts of God” coverage.

The following is a table showing average annual auto insurance rates for liability, collision, comprehensive, and full coverage:

Average Annual Auto Insurance Rates by Coverage Type
StatesAverage Annual Comprehensive Insurance RatesAverage Annual Collision Insurance RatesAverage Annual Liability Insurance RatesAverage Annual Full Coverage Insurance Rates
District of Columbia$233.24$468.67$628.09$1,330.73
New Hampshire$131.35$381.86$393.24$1,382.79
New Jersey$172.57$276.98$865.55$937.59
New Mexico$171.12$385.02$462.21$1,360.66
New York$136.08$293.59$784.98$789.09
North Carolina$231.04$244.09$357.59$773.30
North Dakota$121.61$269.84$282.55$788.56
Rhode Island$180.94$265.07$720.06$973.10
South Carolina$258.11$208.58$497.50$766.91
South Dakota$116.53$282.96$289.04$1,257.13
West Virginia$204.28$329.67$501.44$1,025.78
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What other forms of coverage should you consider?

Personal Injury Protection (PIP) for Amputees

Personal Injury Protection (PIP) is something that all higher-risk drivers should obtain. Should the driver get into an accident, they’ll have the following covered:

  • Lost wages
  • Rehab fees
  • Medication
  • Waiver of the ambulance fees
  • Surgery
  • General medical expenses

Some state (no-fault states) require PIP. However, even if you’re not in one of these states, PIP is well worth considering.

Let’s wrap up with where to go to find the best auto insurance for amputees.

How do I find the best auto insurance companies for amputees?

We can’t show you auto insurance rates for amputees because no such specific rates exist. However, we can show you the top 10 major insurance companies’ A.M. Best ratings.

These Financial Strength Ratings instill confidence in consumers that a particular insurer will be able to meet their needs on both a short-term and long-term basis.

A.M. Best Financial Ratings of the Top 10 Auto Insurance Companies
CompaniesA.M. Best RatingFinancial Outlook
American FamilyA+Stable
Liberty MutualAStable
State FarmA++Stable
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In short, you have options for a reputable insurer that will fill your needs and continue to do so. If we stress one thing, though, it’s discounts.

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How can I find the best auto insurance discounts for amputees?

No matter which insurer you choose, inquire as to what discounts they can offer you in your particular situation (be you an amputee or not).

Let’s take a look at a table that shows all the discounts available from the most prominent insurers.

Discounts Provided by Major Auto Insurance Companies
CompaniesEmergency DeploymentFederal EmployeeForward Collision WarningMembership/GroupMilitaryMilitary GaragingOccupationRecent Retirees
21st Century
American Family
Country Financialxx
Liberty Mutualxxxxxx
Safe Autox
State Farmx
The Generalx
The Hanoverxx
The Hartfordxxxx
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To review, you are going to need at least collision and comprehensive coverage (it is recommended to just go with full coverage) in order to insure modifications. For an amputee, vehicle modifications are more than likely.

You also need to be sure to inquire about discount availability. Most insurers offer a plethora of discounts to stack, depending on your individual situation.

If you are ready to buy auto insurance for amputees, type your ZIP code into our free and helpful tool below.

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