Best Auto Insurance for Drivers with Dementia in 2024 (10 Expert Favorites)
Allstate, Progressive, and State Farm provide the best auto insurance for drivers with dementia priced for as low as $33 only per month. We'll assist you in comparing insurance costs for cars among leading providers, helping you secure the optimal coverage and prime discounts for your vehicle.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Oct 25, 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: Oct 25, 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.
On This Page
11,413 reviewsCompany Facts
Full Coverage for Drivers With Dementia
A.M. Best Rating
Complaint Level
Pros & Cons
11,413 reviews
13,128 reviewsCompany Facts
Full Coverage for Drivers With Dementia
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviews
17,759 reviewsCompany Facts
Full Coverage for Drivers With Dementia
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 reviews
Allstate, Progressive, and State Farm stand out as the best auto insurance for drivers with dementia, providing competitive pricing starting at only $33 per month for minimum coverage.
Together with Progressive and State Farm, they provide budget-friendly rates and a diverse range of full coverage choices crafted to suit your individual driving requirements.
Our Top 10 Company Picks: Best Auto Insurance For Drivers With Dementia
| Company | Rank | Adaptive Equipment Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 10% | A+ | Infrequent Drivers | Allstate |
 | #2 | 12% | A+ | Qualifying Coverage | Progressive |
 | #3 | 8% | A++ | High-Risk Drivers | State Farm |
 | #4 | 10% | A+ | Coverage Options | The Hartford |
 | #5 | 9% | A+ | Filing Claims | Erie |
 | #6 | 11% | A | Safety Discounts | Farmers |
 | #7 | 10% | A | Roadside Assistance | AAA |
 | #8 | 12% | A++ | Low-Mileage Drivers | Travelers |
 | #9 | 9% | A+ | Accident Forgiveness | Nationwide |
 | #10 | 8% | A | Safe-Driving Discounts | Liberty Mutual |
- State Farm presents competitive pricing starting from $33 per month
- Leading insurance companies offer potential savings for those with dementia
- Discounts guarantee the best auto insurance for drivers coping with dementia
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#1 – Allstate: Top Overall Pick
Pros
- Discount Opportunities: Allstate offers personalized discount options for individuals.
- Financial Security: Allstate benefits from the backing of a financially secure corporation.
- Outstanding Customer Support: Allstate is celebrated for its quick and readily available assistance.
Cons
- Coverage Restrictions: Some supplementary policy features may not fully cater to individual needs. Refer to our Allstate auto insurance review for assistance.
- Claims Processing: Individuals may face delays or difficulties in the claims process.
#2 – Progressive: Best for Qualifying Coverage
Pros
- Tailored Policies: In our Progressive auto insurance review, personalized coverage options are tailored to suit individual vehicles.
- Competitive Rates: Progressive offers cost-effective pricing.
- Discount Options: Progressive provides various opportunities for price reductions, including those specifically geared towards automobiles.
Cons
- Claims Processing: Individuals may encounter delays or complexities in the claims procedure.
- Restricted Discount Selection: Progressive may not provide as wide a range of discounts as some competitors.
#3 – State Farm: Best for High-Risk Drivers
Pros
- Discount Options: State Farm offers a range of discount opportunities.
- Financial Security: State Farm benefits from the backing of a financially stable corporation.
- Outstanding Customer Care: State Farm is acclaimed for its attentive and user-friendly service.
Cons
- Coverage Limitations: Certain driving requirements may not qualify for policy add-ons. Learn more in our State Farm auto insurance review.
- Claims Handling: Individuals may face delays or complications when handling claims.
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#4 – The Hartford: Best for Coverage Options
Pros
- Cutting-Edge Coverage Choices: The Hartford offers innovative coverage options like Accident Forgiveness and Deductible Rewards, enhancing policy value.
- Accessible Technology: Through user-friendly mobile apps and online tools, The Hartford simplifies policy and claims management for customers.
- Solid Financial Security: The Hartford’s strong financial foundation guarantees policyholders a dependable and secure insurance partner.
Cons
#5 – Erie: Best for Filing Claims
Pros
- Affordable Premiums: Our Erie auto insurance review highlights cost-effective rates that suit various budgets.
- Flexible Coverage Choices: Erie offers customizable policies to meet individual needs.
- Discount Opportunities: Erie provides a range of discounts, including ones specifically designed for automobiles.
Cons
- Sparse Local Agent Presence: Erie primarily operates through online and phone channels, with limited physical locations.
- Coverage Restrictions: Certain policy add-ons may not adequately address the requirements of classic car owners.
#6 – Farmers: Best for Safety Discounts
Pros
- Tailored Protection: Farmers, as highlighted in our Farmers auto insurance review, customizes coverage to suit individuals’ needs.
- Budget-Friendly Rates: Farmers offers economical car insurance options.
- Discount Opportunities: Farmers presents a variety of discounts, including those specifically for car insurance.
Cons
- Restricted Accessibility: Farmers primarily operates through local agents, which may be inaccessible in certain regions.
- Coverage Constraints: Certain additional coverage options may not fully satisfy requirements.
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#7 – AAA: Best for Roadside Assistance
Pros
- Tailored Plans: AAA offers customized coverage options for automobiles.
- Competitive Rates: AAA provides cost-effective pricing. Begin your affordability journey with our AAA auto insurance review.
- Discount Options: AAA offers various discounts, including those tailored for automobiles.
Cons
- Limited Local Agent Availability: AAA mainly functions through local agents, which may not be universally accessible.
- Coverage Limitations: Some policy enhancements may not fully meet the needs of automobiles.
#8 – Travelers: Best for Low-Mileage Drivers
Pros
- Affordable Premiums: Our Travelers auto insurance review highlights competitive rates that are friendly to various budgets.
- Flexible Coverage Choices: Travelers offers customizable policies to suit individual needs.
- Discount Opportunities: Travelers provides various discounts, including those designed specifically for automobiles.
Cons
- Sparse Local Agent Network: Travelers primarily operates online and over the phone, with limited physical agent presence.
- Coverage Restrictions: Some policy add-ons may not completely address the needs of automobiles.
#9 – Nationwide: Best for Accident Forgiveness
Pros
- Extensive Array of Coverage Choices: Nationwide presents a wide selection of coverage options, enabling customers to customize policies according to their requirements.
- Safe Driving Incentive: The Vanishing Deductible program incentivizes safe driving by gradually decreasing deductibles over time.
- Member Savings: Nationwide offers discounts for various affiliations and memberships, improving affordability for specific groups.
Cons
- Mixed Customer Satisfaction: Customer satisfaction ratings differ, as outlined in our Nationwide insurance review, with some customers reporting average experiences.
- Variable Premiums: Premiums may fluctuate depending on location and individual profiles, potentially affecting overall affordability.
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#10 – Liberty Mutual: Best for Safe-Driving Discounts
Pros
- Personalized Plans: Liberty Mutual provides tailored coverage options for car insurance.
- Competitive Rates: Liberty Mutual offers cost-effective pricing.
- Outstanding Customer Care: Liberty Mutual is highly regarded for its responsive and user-friendly service.
Cons
- Membership Restrictions: Liberty Mutual membership is exclusive to military members, veterans, and their families.
- Limited Accessibility: Liberty Mutual’s availability may vary depending on location. For more information, refer to our Liberty Mutual auto insurance review.
Evaluating Driving Skills
No Special Dementia Insurance Policies
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Raising Coverage on the Policy
Comparing Collision vs. Comprehensive
Collision insurance addresses car accidents, while comprehensive coverage safeguards against theft, weather damage, vandalism, and more. Considering ample collision coverage is crucial for individuals with dementia to protect assets in case of fault.
Mistakes stemming from dementia, such as parking in hazardous areas, can result in costly mishaps. While removing uninsured motorist coverage may seem an option, it’s risky, especially in accidents caused by uninsured drivers.
Overall, reducing coverage unnecessarily puts individuals at financial risk, especially considering the minimum auto insurance requirement. Enter your ZIP code to start comparing.
Frequently Asked Questions
Can a person with dementia still get auto insurance?
Yes, a person with dementia can still obtain auto insurance as long as they meet the requirements set by their local DMV and pass a driving evaluation to determine their competency.
Should a person with dementia consider increasing their insurance coverage?
It is advisable for someone with dementia to consider maximizing their insurance coverage to ensure adequate financial protection in case of any accidents or incidents. Saving money should not be the main priority in this case. To start comparing, kindly enter your ZIP code.
Do people with dementia need to purchase special insurance policies?
How does a person with dementia determine the best level of coverage?
It may be helpful to discuss the situation with an insurance company or a financial planner to determine the appropriate level of coverage based on individual needs and circumstances. Enter your ZIP code for more details.
Should a person with dementia consider raising their coverage limits?
It is recommended to consider purchasing coverage limits higher than the minimum required by the state. Being underinsured could leave the driver financially vulnerable in the event of a serious accident.
What are some recommended insurance providers for drivers with dementia?
What factors should individuals with dementia consider when selecting their auto insurance coverage?
Individuals with dementia should consider factors such as collision and comprehensive coverage options, the minimum auto insurance requirement, and the potential risks associated with underinsurance. Enter your ZIP code now.
What are the potential risks associated with opting for minimum auto insurance coverage, particularly for individuals with dementia?
Opting for minimum auto insurance coverage may leave drivers with dementia drastically underinsured, potentially leading to legal and financial complications in the event of an accident.
How can comparison shopping help drivers with dementia find more affordable insurance rates while ensuring sufficient coverage?
What are some considerations for individuals with dementia regarding collision and comprehensive coverage options?
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
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.
