How To Buy Auto Insurance With Epilepsy (2023)
Epilepsy and driving can make for a dangerous situation. When it comes to epilepsy auto insurance coverage, what you would want is collision coverage. Fortunately, this can be obtained for about $300 annually on average.
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Cynthia Lanctot
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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.
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UPDATED: Nov 6, 2023
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 auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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: Nov 6, 2023
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 auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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
| Epilepsy and Insurance Facts | Source |
|---|---|
| 40% to 60% of patients with epilepsy do not report their condition to authorities. | epilepsy.va.gov |
| Predicting Factors for Seizure Recurrence: recent history, type of seizures, total number of seizures, EEG abnormalities, MRI/CT lesions | epilepsy.va.gov |
| Seizure-related crashes are predictable and preventable | epilepsy.va.gov |
| 10 states have a three-month seizure-free requirement to drive | epilepsy.va.gov |
| 15 states have a six-month seizure-free requirement to drive | epilepsy.va.gov |
Sometimes, it’s easy to forget that people are just as susceptible to medical issues when they’re driving as when they’re not. Epilepsy is a particularly dangerous medical condition that may initiate a collision.
Shopping for full coverage auto insurance when you have epilepsy can be nervewracking. You probably have many questions: “Does having epilepsy affect car insurance?” “Is car insurance expensive if I have seizures?” “Is there epilepsy insurance coverage?” We will explain everything you need for car insurance if you have epilepsy, including how you can get it cheap.
In the meantime, feel free to type your ZIP code into our tool above to find epilepsy auto insurance costs in your area.
Will my auto insurance go up if I have epilepsy?
Insurers analyze the level of risk in each and every one of their policyholders when setting rates. However, disabilities and medical conditions on their own are not often factors that will raise rates. In short, the answer to “How much can your auto insurance go up if you have epilepsy?” is none. Epilepsy in and of itself will not hike your rates.
However, you still may be charged high-risk auto insurance rates. Let’s take a look at nationwide average rates for collision insurance. This is the form of coverage that individuals with epilepsy would want to purchase, as a seizure would cause loss of control over their vehicle, substantially increasing the risk of a collision.
| States | Average Annual Collision Coverage Rates |
|---|---|
| South Dakota | $208.58 |
| Idaho | $219.05 |
| Iowa | $219.75 |
| Wisconsin | $226.00 |
| Oregon | $226.83 |
| Minnesota | $234.40 |
| Nebraska | $237.13 |
| North Dakota | $244.09 |
| Indiana | $250.29 |
| Maine | $259.98 |
| Kansas | $263.33 |
| South Carolina | $265.07 |
| Montana | $265.32 |
| Washington | $265.74 |
| Utah | $265.90 |
| Kentucky | $267.91 |
| Ohio | $269.84 |
| Missouri | $275.28 |
| New Mexico | $276.98 |
| Arizona | $277.96 |
| Wyoming | $278.83 |
| Virginia | $280.52 |
| Florida | $282.96 |
| Colorado | $287.00 |
| North Carolina | $293.59 |
| Vermont | $295.42 |
| Nevada | $303.86 |
| New Hampshire | $307.42 |
| Tennessee | $309.07 |
| Illinois | $309.71 |
| Hawaii | $313.17 |
| Alabama | $317.96 |
| Oklahoma | $318.47 |
| Delaware | $318.77 |
| Arkansas | $321.80 |
| Countrywide | $322.61 |
| Mississippi | $323.22 |
| Pennsylvania | $327.24 |
| West Virginia | $329.67 |
| Georgia | $331.83 |
| Alaska | $350.81 |
| Maryland | $353.99 |
| Connecticut | $368.51 |
| Texas | $374.49 |
| New Jersey | $381.86 |
| New York | $385.02 |
| Massachusetts | $388.28 |
| California | $396.55 |
| Rhode Island | $411.51 |
| Michigan | $413.83 |
| Louisiana | $414.36 |
| District of Columbia | $468.67 |
The risk of collision is important to consider. While having epilepsy will not affect your rates, having an increased amount of crashes on your record will. The following table compares rates for those with a clean record to those with one accident on their record.
| Companies | Average Annual Rates with a Clean Record | Average Annual Rates With One Accident |
|---|---|---|
| Allstate | $3,819.90 | $4,987.68 |
| American Family | $2,693.61 | $3,722.75 |
| Farmers | $3,460.60 | $4,518.73 |
| Geico | $2,145.96 | $3,192.77 |
| Liberty Mutual | $4,774.30 | $6,204.78 |
| Nationwide | $2,746.18 | $3,396.95 |
| Progressive | $3,393.09 | $4,777.04 |
| State Farm | $2,821.18 | $3,396.01 |
| Travelers | $3,447.69 | $4,289.74 |
| USAA | $1,933.68 | $2,516.24 |
As you can see, having one accident on your record can increase your annual rate upwards of $1,500. This is why it is important to have as much collision coverage possible.
Now that we know you cannot be denied auto insurance due to epilepsy, use our tool to find car insurance quotes for epilepsy.
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Epilepsy-Friendly Auto Insurance
Just as an insurer cannot discriminate in the form of increased car insurance rates for epilepsy sufferers, they also don’t have policies specifically for epileptics. If you get into an at-fault accident because of a seizure, you will want to maintain your policy. Having an at-fault accident on your record makes it difficult to jump ship to another company.
You can also tell your insurer that your vehicle will not be used for a few months and potentially get a decreased rate. As stated by Webmd.com, most states require you to be seizure-free for about six months to a year before you’re allowed to drive again.
Here is a video from the Epilepsy Foundation of North Carolina that provides further insight into the increased risk of driving with epilepsy.
It is best to err on the side of caution if you have epilepsy. Don’t drive any more than you need to and, if you feel a seizure coming, exercise preventative measures similar to those found in senior safe driving.
Please feel free to type your ZIP code into our tool below to find cheap and best car insurance for epilepsy in your area.
Frequently Asked Questions
Can I buy auto insurance if I have epilepsy?
Yes, individuals with epilepsy can generally purchase auto insurance. While having epilepsy may affect your rates or policy options, it does not typically disqualify you from obtaining coverage.
Will having epilepsy affect my auto insurance rates?
Epilepsy may impact your auto insurance rates. Insurers consider various factors when determining premiums, including your driving history, type of vehicle, location, and health conditions. Epilepsy may be considered a risk factor due to the potential for seizures while driving, which could increase your rates.
What information do I need to provide when applying for auto insurance with epilepsy?
When applying for auto insurance with epilepsy, you will typically need to provide information about your medical condition. This may include details about your diagnosis, treatment plan, medication usage, frequency of seizures, and any restrictions recommended by your healthcare provider.
Can an insurance company deny coverage based on my epilepsy?
In some cases, an insurance company may decline coverage if they consider your epilepsy a significant risk factor. However, it’s important to note that insurance laws and regulations vary by jurisdiction. Some countries or states have laws that prevent insurance companies from denying coverage solely based on a medical condition.
Are there any specialized insurance companies that cater to individuals with epilepsy?
There may be specialized insurance companies or brokers that cater to individuals with specific health conditions, including epilepsy. These insurers might have a better understanding of the condition and may offer coverage options tailored to your needs. Researching and reaching out to such providers can help you find suitable options.
Compare Quotes From Top Companies and Save
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Cynthia Lanctot
Licensed Agent
Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.
Licensed 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.