Best Auto Insurance for Drivers With Multiple Sclerosis in 2024 (Our Top 8 Companies Ranked)

With this article, we will take a look at some coverage options that are often useful for people living with MS. Cheap full coverage auto insurance can be difficult to come across, but knowing what sort of policy you’re after can definitely help.

Compare car insurance options right now by using our free quote tool above to look at a wide range of companies.

#1 – Geico: Top Pick Overall

Pros

• Understanding of Disabilities: Geico has resources and programs to assist drivers with disabilities, including those with MS.
• Competitive Rates: Geico is known for its competitive rates, which can be beneficial for individuals managing medical expenses. You can learn more in our Geico auto insurance review.
• 24/7 Customer Service: Geico offers around-the-clock customer service support, ensuring amputees can get assistance whenever they need it.

Cons

• Limited Accessibility: Geico may have limited in-person support, which could be a disadvantage for drivers with MS who prefer face-to-face interactions.
• Potential for High Deductibles: Geico’s lower premiums may be offset by higher deductibles, which could be challenging for drivers with MS managing medical expenses.

#2 – Progressive: Best for Specialized Discounts

Pros

• Disability-Friendly Policies: Progressive offers specialized coverage options and discounts for drivers with disabilities, potentially including accommodations for MS. Learn more in our Progressive auto insurance review.
• Variety of Coverage Options: Progressive provides a variety of coverage options, allowing drivers with MS to customize their policies to suit their needs.
• Accessibility: Progressive’s online tools and resources make it convenient for amputees to manage policies and file claims without extensive physical mobility.

Cons

• Higher Premiums: Progressive’s rates may not always be the most competitive, which could be a concern for drivers with MS managing medical expenses.
• Limited Accessibility: Progressive’s in-person support may be limited depending on location, which could be a drawback for drivers with MS who prefer face-to-face interactions.

#3 – State Farm: Best for Personalized Service

Pros

• Personalized Service: State Farm offers personalized service and may work with drivers with MS to find coverage that fits their unique circumstances. You can learn more in our State Farm auto insurance review.
• Financial Strength: State Farm is a financially stable company, providing peace of mind for drivers with MS regarding the reliability of their coverage.
• Financial Stability: State Farm’s strong financial stability rating offers peace of mind, ensuring reliable coverage for amputees.

Cons

• Potentially Higher Premiums: State Farm’s personalized service may come with higher premiums compared to some other insurers, which could be a concern for drivers with MS on a tight budget.
• Limited Accessibility: State Farm’s in-person support may not be available in all areas, which could be inconvenient for drivers with MS seeking local assistance.

#4 – Allstate: Best for Customizable Coverage

Pros

• Customizable Coverage: Allstate offers customizable coverage options, allowing drivers with MS to tailor their policies to their specific needs. Read more in our Allstate auto insurance review.
• Supportive Resources: Allstate may provide resources and assistance for drivers with disabilities, potentially including those with MS.
• Accident Forgiveness: Allstate’s accident forgiveness programs may help amputees avoid premium increases after their first at-fault accident. (Learn More: What is accident forgiveness?)

Cons

• Higher Premiums: Allstate’s rates may be higher compared to some other insurers, which could be a drawback for drivers with MS managing medical expenses.
• Limited Accessibility: Allstate’s in-person support may not be as widespread as other insurers, which could be inconvenient for drivers with MS seeking local assistance.

#5 – Nationwide: Best for Financial Strength

Pros

• Specialized Coverage: Nationwide offers auto insurance coverage tailored to individuals’ needs, including those with pre-existing conditions like MS.
• Nationwide Accessibility: Nationwide has a wide network of agents and offices, making it easier for drivers with MS to access support and assistance.
• Financial Strength: Nationwide’s strong financial strength rating ensures reliability and stability in coverage for amputees. You can read more in our Nationwide auto insurance review.

Cons

• Limited Disability-Specific Programs: Nationwide may not have as many specialized programs or resources specifically tailored to drivers with MS compared to some other insurers.
• Potential for Higher Premiums: Nationwide’s comprehensive coverage options may come with higher premiums, which could be a concern for drivers with MS managing medical expenses. (Read More: Comprehensive Auto Insurance Explained)

#6 – Liberty Mutual: Best for Digital Tools

Pros

• Customizable Policies: Liberty Mutual offers customizable coverage options, allowing drivers with MS to tailor their policies to their specific needs. Learn more in our Liberty Mutual auto insurance review. 
• Strong Customer Service: Liberty Mutual is known for its customer service, which can be beneficial for drivers with MS seeking support and assistance.
• Digital Tools: Liberty Mutual offers digital tools and resources for managing policies and filing claims, enhancing convenience for amputees.

Cons

• Potentially Higher Rates: Liberty Mutual’s rates may be higher compared to some other insurers, which could be a concern for drivers with MS on a tight budget.
• Limited Accessibility: Liberty Mutual’s in-person support may not be available in all areas, which could be inconvenient for drivers with MS seeking local assistance.

#7 – USAA: Best for Military Members

Pros

• Specialized Coverage for Military: USAA offers specialized coverage options and benefits exclusively for military members and veterans, potentially including accommodations for MS.
• Exceptional Customer Service: USAA is known for its exceptional customer service dedicated to serving the unique needs of military families and veterans, including those with MS. Learn more in our USAA auto insurance review. 
• Financial Stability: USAA’s strong financial stability rating ensures reliable coverage for amputees.

Cons

• Limited Eligibility: USAA’s eligibility is restricted to military members, veterans, and their families, excluding non-military individuals with MS from accessing its services. To find more information about auto insurance for veterans, read our best auto insurance for disabled veterans review.
• Limited Accessibility: USAA’s physical branch locations may not be as widespread, which could be inconvenient for drivers with MS seeking local assistance.

#8 – AAA: Best for Roadside Assistance

Pros

• Variety of Coverage Options: AAA offers a variety of coverage options that may be suitable for drivers with MS, allowing them to customize their policies to their specific needs. You can learn more in our AAA auto insurance review.
• Roadside Assistance: AAA’s roadside assistance services can be particularly beneficial for drivers with MS who may need assistance while on the road.
• Membership Benefits: AAA offers additional membership benefits beyond auto insurance, potentially adding value for drivers with MS.

Cons

• Membership Requirements: AAA membership is required to access their insurance services, which may not be suitable for all drivers with MS.
• Potential for Higher Premiums: AAA’s comprehensive coverage and roadside assistance services may result in higher premiums, which could be a concern for drivers with MS managing medical expenses. 

Car Insurance Considerations for MS Sufferers

“Will MS affect my car insurance?” This question looms large for individuals living with Multiple Sclerosis (MS), 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. This doesn’t mean that someone with MS is going to stop being a safe driver, but precautions will need to be taken to ensure they stay safe on the road.

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.

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 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.

Auto Insurance Minimum Coverage Monthly Rates for Drivers With Multiple Sclerosis

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.

Discounts for MS Sufferers

When searching for car insurance discounts for the disabled, it’s crucial to explore options tailored to your specific needs as a driver with multiple sclerosis (MS). Many insurers offer specialized disability discounts on car insurance, taking into account factors such as car insurance for wheelchair adapted vehicles and safe driving records.

Moreover, certain insurance providers may offer specific policies catering to recipients of Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI). These policies may include additional benefits and discounts tailored to car insurance for SSI recipients.

Learn More: Cheap Auto Insurance for Disabled Drivers

For those driving wheelchair-accessible vans, it’s essential to find insurance coverage that adequately protects both the vehicle and its modifications. Many insurers offer specialized policies for car insurance for wheelchair-accessible vans, ensuring comprehensive coverage for adaptive equipment and unique vehicle features. You can read more in our auto insurance for wheelchair-accessible vehicles review.

While the concept of free car insurance for disabled adults may be rare, some nonprofit organizations and government agencies offer assistance programs or subsidies for low-income individuals with disabilities. These programs aim to alleviate financial burdens associated with transportation, including auto insurance costs. (Learn More: Best Auto Insurance for Low-Income Drivers)

Completing defensive driving courses can often qualify you for further discounts. By taking advantage of these discounts, individuals with MS can effectively lower their insurance premiums while ensuring comprehensive coverage for their unique circumstances.

Read More: Why You Should Take a Defensive Driving Class

It’s essential to inquire with insurance providers about disability car insurance and disability car insurance discounts and to compare policies to find the most suitable and affordable option for your needs as a disabled driver with MS.

Learn More: Best Auto Insurance for Good Drivers

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.

• Custom/special equipment coverage: Special equipment coverage items are often added to existing comprehensive policies as endorsements, which are additions to a policy that increases or decreases the number of items that are covered, such as auto insurance for wheelchair adapted vehicles.
• Roadside assistance coverage: This car insurance coverage item provides drivers with MS with 24-hour roadside help if and when their vehicles break down. (Read More: Roadside Assistance Coverage)
• Rental replacement coverage: This car insurance coverage time provides drivers with MS temporary replacement vehicles if their personal vehicles need repair work.

Remember to inquire with insurance providers about car insurance disability discounts and specific policies designed for people on disability. Additionally, explore options for handicap discounts in motor insurance, which acknowledge the unique needs of disabled drivers.

While the idea of free car insurance for disabled individuals may be rare, there are nonprofit organizations and government agencies that offer assistance programs or subsidies for low-income individuals. By leveraging available resources and discounts, drivers with MS can find cheap car insurance for disabled drivers that meets their needs without compromising on coverage.

Compare car insurance for people on disability options by using our free quote tool below so that you or the person you’re helping will be able to get an auto insurance policy that’s a good fit.