Auto Insurance and Epilepsy

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.

UPDATED: May 10, 2022Fact Checked

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

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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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: May 10, 2022

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Epilepsy and Insurance FactsSource
40% to 60% of patients with epilepsy do not report their condition to
Predicting Factors for Seizure Recurrence: recent history, type of seizures, total number of seizures, EEG abnormalities, MRI/CT
Seizure-related crashes are predictable and
10 states have a three-month seizure-free requirement to
15 states have a six-month seizure-free requirement to
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Epilepsy and Insurance

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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.

Average Annual U.S. Collision Auto Insurance Coverage Rates by State
StatesAverage Annual Collision Coverage Rates
South Dakota$208.58
North Dakota$244.09
South Carolina$265.07
New Mexico$276.98
North Carolina$293.59
New Hampshire$307.42
West Virginia$329.67
New Jersey$381.86
New York$385.02
Rhode Island$411.51
District of Columbia$468.67
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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.

Average Annual Auto Insurance Rate Increase After One Accident
CompaniesAverage Annual Rates with a Clean RecordAverage Annual Rates With One Accident
American Family$2,693.61$3,722.75
Liberty Mutual$4,774.30$6,204.78
State Farm$2,821.18$3,396.01
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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, 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: Auto Insurance and Epilepsy

#1 – Is there auto insurance for drivers with epilepsy?

No, there is not auto insurance specifically for drivers with epilepsy.

#2 – If you have epilepsy, do you cancel your auto insurance?

That will not be necessary, but you could ask for a decreased rate if you get into an accident that disallows you from driving for a few months, particularly after an epileptic seizure.

#3 – How much does it cost to put someone on your auto insurance that has epilepsy?

There is no set amount by which your policy will increase. It all depends on how accident-prone or reckless a driver the individual you’re adding to your policy is.

#4 – How does epilepsy affect auto insurance rates?

Car insurance quotes for someone with epilepsy will not raise because they have epilepsy. However, having an accident on their record will.

#5 – Is epilepsy covered in insurance?

No, but you can purchase more than the minimum collision coverage.

#6 – Is a seizure and epilepsy the same thing?

A seizure is a solitary occurrence as opposed to epilepsy, which is a neurological condition characterized by having two or more seizures.

#7 – What medical conditions do you have to declare for car insurance?

Diabetes, sleep apnea, fainting spells, heart conditions, strokes, glaucoma, and epilepsy are all medical conditions you have to declare to purchase auto insurance.



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