Best Auto Insurance for Cancer Patients in 2024 (Our Top 10 Picks)
Travelers, Farmers Insurance, and Allstate have the best auto insurance for cancer patients. Their options serve cancer patients' needs, offering competitive prices, comprehensive coverage, and compassionate service. With rates as low as $37/mo, these top providers for cancer patients can help you save.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
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UPDATED: Sep 29, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page 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: Sep 29, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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1,731 reviewsCompany Facts
Full Coverage for Cancer Patients
A.M. Best Rating
Complaint Level
Pros & Cons
1,731 reviews
2,903 reviewsCompany Facts
Full Coverage for Cancer Patients
A.M. Best Rating
Complaint Level
Pros & Cons
2,903 reviews
11,413 reviewsCompany Facts
Full Coverage for Cancer Patients
A.M. Best Rating
Complaint Level
Pros & Cons
11,413 reviewsTravelers, Farmers Insurance, and Allstate have the best auto insurance for cancer patients, with rates starting at $37/mo.
Our guide goes over why these companies are the best for cancer patient auto insurance.
Our Top 10 Company Picks: Best Auto Insurance for Cancer Patients
| Company | Rank | Multi-Vehicle Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 25% | A++ | Flexible Policies | Travelers |
 | #2 | 12% | A | Comprehensive Coverage | Farmers |
 | #3 | 18% | A+ | Compassionate Service | Allstate |
 | #4 | 20% | A++ | Financial Stability | State Farm |
 | #5 | 22% | A+ | Personalized Service | Nationwide |
 | #6 | 15% | A | Specialized Coverage | Liberty Mutual |
 | #7 | 17% | A+ | Extensive Network | Progressive |
 | #8 | 21% | A+ | Affordable Rates | Erie |
 | #9 | 16% | A | Empathetic Approach | American Family |
 | #10 | 11% | A | Transparent Policies | AAA |
Does having cancer affect auto insurance? In truth, not really, but there is a grey line. You’re probably wondering about the average auto insurance cost per month.
- Undergoing treatment for cancer does not mean an insurer can deny you coverage
- The Americans with Disabilities Act prevents denial based on a health condition
- Your doctor may tell the DMV you are not fit to be behind the wheel
Keep reading to learn more. But, first, make sure to type your ZIP code into our free and helpful tool above to find affordable auto insurance for cancer patients in your area.
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#1 – Travelers: Top Pick Overall
Pros
- Competitive prices: Travelers offers competitive rates for those looking to save money on their auto insurance.
- Multiple discounts: Discounts, including safe driver discounts, student discounts, and multi-vehicle discounts can help cut costs for cancer patients.
- Great customer service: Travelers auto insurance makes it easy to customize your own auto insurance plan. Learn more by reading our review of Travelers.
Cons
- Limited availability: Some states are not covered by Travelers auto insurance.
- Mixed customer service reviews: Customer Reviews for Travelers customer service and claims handling service is average.
#2 – Farmers: Best Comprehensive Coverage
Pros
- Comprehensive coverage: Farmers offers a variety of coverage options to meet unique insurance needs.
- Strong customer service reputation: Farmers has positive customer reviews. Take a look at our Farmers insurance company review to learn more.
- Multiple discounts available: Many discounts are offered to help cancer patients save on monthly premiums, including multi-policy, good student, and responsible payer discount.
Cons
- Price: Farmers insurance can be more expensive than other options.
- Limited availability: Farmers is not available in some regions.
#3 – Allstate: Best for Compassionate Service
Pros
- Extensive discount options: Cancer patients with multiple vehicles or a new car may qualify for a discount (Read More: Allstate Auto Insurance Company Review).
- Compassionate service: Allstate’s excellent customer service practices are well known. Allstate may offer assistance for customers facing hardship such as cancer.
- User-friendly mobile app: Allstate has a mobile app that can easily be accessed from a smart phone during an emergency.
Cons
- Can be expensive: Without taking advantage of discounts like the smart student discount, customers may end up paying more for insurance.
- Mixed customer reviews: Reviews show that the customers may incur delays and disputes during the claim process.
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#4 – State Farm: Best for Stable Rates
Pros
- Drive Safe & Save program: State Farm’s telematics can track driving and offer lower rates for safe drivers.
- Good student discount: Drivers can benefit from discounts that can help save money on insurance payments.
- Financial Stability: State Farm’s financial stability rating means it’s able to keep rates stable and pay out claims.
Cons
- Rates can be higher: Insurance rates are higher for customers who do not qualify for offered discounts. Our State Farm auto insurance review will tell you everything you need to know about the company’s coverage options and discounts.
- Limited availability: Some areas are not eligible for State Farm coverage.
#5 – Nationwide: Best for Personalized Insurance
Pros
- Cost saving: Nationwide’s Vanishing deductible program and multi-policy discounts can help minimize out-of-pocket costs.
- Personalized service: A variety of coverage options are offered to meet any need. Find out if Nationwide has the lowest rates for you in our Nationwide auto insurance review.
- Good customer service reputation: Nationwide’s customer service team has positive reviews.
Cons
- Can be pricier for some drivers: Prices can be higher for customers who do not qualify for discounts.
- Limited availability in certain regions: Nationwide is not offered in every area.
#6 – Liberty Mutual: Best for Specialized Coverage
Pros
- Multiple discounts available: Liberty Mutual’s accident forgiveness can be helpful for those concerned about their driving record.
- Strong financial ratings: Liberty Mutual has a strong financial outlook, indicating stable rates and claim processes.
- Specialized coverage: The exclusive Coverage Customizer tool allows discounts and coverage recommendations (read more: Liberty Mutual Auto Insurance Review).
Cons
- Rates can be higher than competitors: Liberty Mutual typically has higher rates than many competitors.
- Mixed reviews regarding claims process: Reviews indicate that the company receives many customer service complaints. To see monthly premiums and honest rankings, read our Liberty Mutual review.
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#7 – Progressive: Best for Safe Driver Discounts
Pros
- Snapshot program: Progressive offers Snapshot, which uses telematics to track driving and reward safe driving with up to 30% on coverage (check out: Progressive Snapshot Review).
- Good customer service reputation: Progressive’s high ratings indicate strong financial stability from the company.
- Extensive Network: Progressive makes it accessible for customers to seek support regarding policy, claims, and changes.
Cons
- Rates can increase after an accident: Premium prices have been known to go up for customers after car wrecks.
- Some customers report issues with claims process: Progressive’s claim process is more difficult to navigate than their competitors’.
#8 – Erie: Best for Affordable Rates
Pros
- Rate Lock feature: Erie offers a feature that allows customers to lock in their rate, which can help stabilize monthly costs for cancer patients.
- Good customer service reputation: Erie has a A+ rating from A.M. Best, indicating a positive customer service experience.
- Affordable rates: Our Erie insurance review explores the company’s affordable coverage and discounts, including competitive rates may be more affordable than other insurers.
Cons
- Limited availability: Erie is only available in certain regions.
- Fewer discount options: Compared to other insurers, Erie Insurance offers less discount opportunities than other insurers.
#9 – American Family: Best for Discount Options
Pros
- KnowYourDrive program: American Family offers a program that rewards safe driving habits with lower rates. Check out our AmFam insurance review to learn more.
- Empathetic approach: American Family Insurance’s excellent customer service reputation can be beneficial for those needing assistance with coverage or claims.
- Multiple discount options: Multiple discount options can help cancer patients lower their insurance costs.
Cons
- Rates can be higher for some drivers: Some customers have reported their rates are higher than other insurers.
- Limited availability in certain areas: American Family Insurance is not offered in all states, limiting coverage based on location.
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#10 – AAA: Best for Customer Service
Pros
- Membership discounts: AAA offers discounts that may be beneficial for cancer patients who are already AAA members.
- Good customer service reputation: AAA is widely known for it’s exceptional customer service.
- Transparent policies: The variety of concise policies offer peace of mind for those who may need additional coverage.
Cons
How Medical Conditions Affect Auto Insurance Rates
Insurers are all about risk. If your driving ability is diminished by a medical condition, you can bet your insurer will take that into account.
Does this mean that an insurer can just drop you from your auto insurance plan if you receive a cancer diagnosis? No.
An insurer dropping you solely because you have been diagnosed with a medical condition, i.e. cancer, would be unethical. The Americans with Disabilities Act (ADA) prohibits an insurer, amongst others, from discriminating against people with disabilities.Tim Bain Licensed Insurance Agent
The worst-case scenario when it comes to losing your insurance is if your doctor notifies the DMV that you are not fit to be behind the wheel. You can dispute your doctor’s assessment through an appeal, but throughout this time, you’ll have a suspended license.
Can you register a car with a suspended license? Yes, you don’t need a driver’s license to register a car, but you’ll need one to drive legally.
How does your suspended license affect auto insurance? If your license is suspended long enough, your insurer has a valid reason to drop you.
Auto Insurance Monthly Rates for Cancer Patients by Coverage
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Travelers | $37 | $99 |
| Farmers | $44 | $117 |
| Allstate | $61 | $160 |
| State Farm | $33 | $86 |
| Nationwide | $44 | $115 |
| Liberty Mutual | $68 | $174 |
| Progressive | $39 | $105 |
| Erie | $22 | $58 |
| American Family | $53 | $139 |
| AAA | $32 | $86 |
If you feel you can drive, it’s important you appeal to your doctor’s diagnosis.
Car insurance and cancer diagnosis should not impact each other directly, though there are some factors to take into consideration.
This is because the DMV is not just going to take your word for it, they’re going to need to rely on the judgment of your doctor. Car insurance during cancer remission is necessary for many patients.
Dropping a Cancer Patient’s Car Insurance Coverage
You may be thinking, “An insurer dropping me because I have cancer? That’s not right.” You would be correct in thinking this. An insurer dropping you solely because you have been diagnosed with a medical condition, i.e. cancer, would be unethical.
The Americans with Disabilities Act (ADA) prohibits an insurer, amongst others, from discriminating against people with disabilities. This means an insurer cannot charge higher premiums (or drop you) solely because you have certain medical conditions.
This is where that aforementioned doctor’s recommendation comes into play.
Before we move into what conditions must be disclosed, we need to clarify something. Factors that affect auto insurance rates include age, gender, and driving record.
Insurers are all about risk. If your driving ability is diminished by a medical condition, you can bet your insurer will take that into account.Melanie Musson Published Insurance Expert
To deny someone coverage for one of these reasons would not be discrimination because these factors are not directly relevant to any medical condition.
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Medical Conditions Must Be Declared for Auto Insurance
Does a pacemaker affect auto insurance? Or do other physical issues matter to insurers? No matter your situation, you should be honest and transparent with your insurer. Tell them about anything that affects your mental, cognitive, or physical well-being.
Is it entirely their business? You may think not, but it is important to realize that not being transparent can risk your current coverage.
Let’s take a look at a quick list of medical conditions you should disclose to your insurer:
- Arthritis
- Chronic Mental Health Issues
- Diabetes
- Heart Conditions
- Epilepsy
- Parkinson’s Disease
- Dementia
- Stroke
- Vision Issues i.e. Cataracts
- Sleep Apnea
If you have any of these aforementioned conditions, err on the side of caution and inform your insurer as much.
Get a start on finding affordable auto insurance for cancer patients in your area by typing your ZIP code into our free and helpful tool below.
Frequently Asked Questions
What is the best insurance for cancer patients?
Travelers, Farmers Insurance, and Allstate have the best auto insurance for cancer patients, with rates starting as low as at $37/mo. However, it is important to keep in mind that not every policy or company suits everyone.
Will having cancer affect my auto insurance rates?
In most cases, having cancer will not directly impact your auto insurance rates. There are many factors that affect auto insurance rates. Auto insurance rates are primarily determined by factors such as your driving record, vehicle type, location, and coverage options. If your cancer or its treatment affects your ability to drive safely, it may indirectly impact your rates. Some people may have higher cost while they are a cancer patient. Insurance quotes are not directly impacted by cancer diagnosis.
Can I get auto insurance if I have cancer?
Yes, you can generally obtain auto insurance even if you have cancer. Having a pre-existing medical condition like cancer does not automatically disqualify you from obtaining auto insurance coverage. Insurance providers primarily assess risk based on driving history, vehicle information, and other factors related to driving, rather than medical conditions.
Do I need to tell car insurance about cancer diagnosis?
You are not required to disclose your cancer diagnosis when applying for auto insurance. Auto insurance companies check your driving record and focus on information related to driving history, vehicle details, and other driving-related factors. However, it’s important to review the application and answer truthfully. Cancer and car insurance should not directly affect each other in a negative way.
Can my auto insurance be canceled or denied if I have cancer?
Generally, auto insurance cannot be canceled or denied solely based on a cancer diagnosis. Insurance providers are regulated by laws that prevent discrimination based on medical conditions. However, if your cancer or its treatment affects your ability to drive safely, an insurance provider may reassess your risk and potentially adjust your coverage or rates accordingly. Drivers who are concerned about denial of coverage should research high-risk auto insurance companies.
What steps can I take to find the best auto insurance coverage with cancer?
To find the best auto insurance coverage with cancer, it’s best to research and obtain quotes from multiple insurance providers. Compare coverage options, premiums, and customer reviews.
Additionally, consider consulting with insurance agents who can help you navigate the process and find the most suitable coverage for your needs while taking into account any specific circumstances related to your cancer diagnosis. Then, enter your ZIP code below into our free comparison tool to see which companies have the best cancer insurance rates in your area.
Are there any specific considerations or options for individuals with cancer seeking auto insurance?
While there are no specific auto insurance options tailored exclusively for individuals with cancer, there are general considerations to keep in mind. It’s important to provide accurate information about your driving abilities and any modifications or adaptations you may have made to your vehicle to accommodate your needs.
Also, you may want to explore coverage options such as medical payments coverage or personal injury protection to help with potential medical expenses resulting from an accident.
Can having a disability or undergoing cancer treatment affect my eligibility for auto insurance?
Having a disability or undergoing cancer treatment should not automatically disqualify you from obtaining auto insurance. Insurance providers primarily focus on factors related to driving, such as driving history and vehicle information. However, if your disability or treatment affects your ability to drive safely, it may be necessary to provide additional information or take necessary precautions to ensure your insurance coverage remains valid.
Can I get be denied for auto insurance after a cancer diagnosis?
Cancer diagnosis should not prevent you from getting auto insurance. However, if your cancer treatment affects your ability to drive safely, it is important to notify your car insurance provider of any necessary information. Drivers are required to meet their state’s minimum auto insurance requirements.
Can you drive after chemo and radiation?
It is best to consult with your doctor regarding transportation after treatments, then alert your car insurance company of any updates or changes your health to avoid issues with your insurance policy or a potential suspended license. Some people still drive during the same period of time they are undergoing treatment, therefore it is important to still have car insurance during chemotherapy.
What is the best auto insurance for cancer patients in remission?
If you are looking for the best cancer insurance quotes for auto insurance, Travelers, Farmers Insurance, and Allstate the best car insurances for cancer patients. Explore your auto insurance options by entering your ZIP code into our free comparison tool below today.
Are there any cancer-related auto insurance discounts?
While no specific auto insurance discounts for cancer are offered, it is important to note that many auto insurers have auto insurance discounts that could help take some financial burden off cancer patients. Unfortunately, free insurance for cancer patients does not exist. However, research can provide the best cancer car insurance quotes. Additionally, you may want to see if your auto insurer offers financial hardship assistance.
Does having cancer affect car insurance?
Car insurance and cancer diagnosis should not impact each other directly, though there are some factors to take into consideration. Every person’s situation is different, and insurers would need to be updated regarding anything that might affect your driving ability or car usage.
Do you have to declare cancer on car insurance?
You are not required to declare your medical history when applying for auto insurance. If your cancer diagnosis makes you unable to drive safely, you should notify your car insurance provider (read more: How to Instantly Buy Auto Insurance Online).
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
Licensed Insurance Agent
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.
