The top picks for the best car insurance for wheelchair-accessible vehicles are Progressive, State Farm, and Allstate, with rates starting as low as $77 per month.

Progressive offers robust budgeting tools that help manage costs, making it a great choice for those seeking affordability. State Farm excels in customer service, and Allstate offers personalized support from local agents.

Company	Rank	Bundling Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	10%	A+	Budgeting Tools	Progressive
	#2	17%	B	Customer Service	State Farm
	#3	25%	A+	Local Agents	Allstate
	#4	25%	A	24/7 Support	Liberty Mutual
	#5	20%	A	Discount Variety	Farmers
	#6	20%	A+	Multi-Policy Savings	Nationwide
	#7	5%	A+	Exclusive Benefits	The Hartford
	#8	13%	A++	Unique Coverage	Travelers
	#9	25%	A	Costco Members	American Family
	#10	25%	A+	Filing Claims	Erie

These companies provide comprehensive insurance coverage options tailored to meet the unique needs of wheelchair-accessible vehicle owners.

Finding cheap car insurance quotes is easy. Just enter your ZIP code into our free comparison tool above to instantly compare quotes near you.

What You Should Know

• Progressive offers free online budgeting tools for cheap mobile vehicle insurance
• State Farm has the best customer service with wheelchair-accessible vehicle car insurance
• Allstate gives 25% off when you bundle home and wheelchair-accessible vehicle insurance

#1 – Progressive: Top Overall Pick

Pros

• Budget-Friendly Options: Progressive offers comprehensive coverage for wheelchair-accessible vehicles with budgeting tools.
• Customizable Policies: Our Progressive review showcases the flexible plans for wheelchair-accessible vehicles.
• Discounts Available: Multiple discounts, including bundling options, make Progressive a cost-effective choice for wheelchair-accessible vehicles.

Cons

• Customer Service Limitations: Progressive’s customer service may not be as highly rated as competitors for wheelchair-accessible vehicles.
• Higher Costs for Full Coverage: Rates for full coverage might be higher than expected for some wheelchair-accessible vehicle owners.

#2 – State Farm: Best for Customer Service

Pros

• Superior Customer Support: State Farm is known for its top-tier customer service, ideal for wheelchair-accessible vehicle owners needing consistent support.
• Competitive Rates: Our State Farm review highlights the low monthly rates starting at $77/month for cheap wheelchair-accessible vehicle insurance.
• Local Accessibility: Numerous local agents provide personalized assistance for wheelchair-accessible vehicle insurance.

Cons

• Average Bundling Discounts: The bundling discount is lower than some competitors, which may impact savings on wheelchair-accessible vehicle insurance.
• Limited Online Tools: Fewer digital tools and resources are available for managing policies compared to other providers for wheelchair-accessible vehicles.

#3 – Allstate: Best for Local Agents

Pros

• Personalized Service: Allstate provides local agents to help drivers fine customized wheelchair-accessible vehicle insurance solutions.
• Strong Financial Stability: Backed by an A+ rating, Allstate offers reliable coverage for wheelchair-accessible vehicles starting at $91/month.
• Bundling Discounts: Our Allstate reviews shows significant wheelchair-accessible vehicle discounts when bundling multiple policies.

Cons

• Higher Rates Without Discounts: Without discounts, Allstate insurance rates for wheelchair-accessible vehicles may be higher than competitors.
• Mixed Claims Satisfaction: Some wheelchair-accessible vehicle owners report inconsistent claims handling experiences.

#4 – Liberty Mutual: Best for 24/7 Support

Pros

• Round-the-Clock Assistance: Liberty Mutual offers 24/7 customer service tailored to the needs of wheelchair-accessible vehicle owners.
• Flexible Coverage Options: Read our Liberty Mutual review to compare comprehensive wheelchair-accessible vehicle coverage starting at $96/month.
• Discounts for Safe Drivers: Liberty Mutual's multiple discounts, including those for safe driving, benefit wheelchair-accessible vehicle owners.

Cons

• Higher Premiums: Premiums for wheelchair-accessible vehicles may be higher compared to other providers, especially without discounts.
• Limited Local Agents: Fewer local agents may result in less personalized service for wheelchair-accessible vehicle insurance.

#5 – Farmers: Best for Discount Variety

Pros

• Diverse Discount Options: Farmers provides a wide range of discounts that benefit wheelchair-accessible vehicle owners, from safe driving to multi-policy discounts.
• Accessible Coverage Plans: Explore our Farmers review to find affordable wheelchair-accessible vehicle insurance starting at $81/month.
• Strong Customer Support: Farmers delivers reliable customer service tailored to the unique needs of wheelchair-accessible vehicles.

Cons

• Varied Customer Service: Farmers receives mixed customer service review from drivers buying auto insurance for wheelchair-accessible vehicles.
• Higher Rates Without Discounts: Base rates for wheelchair-accessible vehicles may be higher if discounts are not applied.

#6 – Nationwide: Best for Multi-Policy Savings

Pros

• Multi-Policy Discounts: Nationwide offers significant savings for wheelchair-accessible vehicle owners when bundling multiple policies.
• Affordable Rates: Competitive pricing starts at $84/month appealing to budget-conscious drivers of wheelchair-accessible vehicles.
• Strong Financial Rating: Nationwide is rated A+ by A.M. Best, ensuring stability and reliability for wheelchair-accessible vehicle insurance.

Cons

• Limited Local Presence: Fewer local agents may reduce personalized support options for wheelchair-accessible vehicle owners.
• Mixed Customer Service Reviews: Some wheelchair-accessible vehicle owners report average customer service experiences. Learn more in our Nationwide review.

#7 – The Hartford: Best for Senior Benefits

Pros

• Unique Benefits for Seniors: The Hartford offers exclusive benefits for AARP members who need wheelchair-accessible vehicle insurance.
• Affordable Coverage: The Hardford's solid coverage options for wheelchair-accessible vehicles start at $93/month.
• Accident Forgiveness: Offers accident forgiveness to wheelchair-accessible vehicle owners, which helps keep rates stable after an incident.

Cons

• Availability Limited to AARP Members: Mobile vehicle coverage is limited to AARP members. Learn more in our The Hartford customer reviews.
• Fewer Discounts Available: Hartford has fewer available discounts compared to other insurance companies for wheelchair-accessible vehicles.

#8 – Travelers: Best for Unique Coverage

Pros

• Innovative Coverage Choices: Travelers provides unique coverage options, such as accident forgiveness, tailored for wheelchair-accessible vehicles.
• Strong Financial Backing: Rated A++ by A.M. Best, Travelers ensures financial stability for wheelchair-accessible vehicle owners.
• Affordable Minimum Coverage Rates: Read our Travelers reviews to see competitive mobility vehicle insurance rates starting at $87/month.

Cons

• Claims Process Feedback: Some wheelchair-accessible vehicle owners report mixed experiences with the claims process.
• Fewer Local Agents: Limited local agent availability may affect personalized service for wheelchair-accessible vehicles.

#9 – American Family: Best for Costco Members

Pros

• Special Member Discounts: American Family provides exclusive discounts for Costco members who own wheelchair-accessible vehicles.
• Affordable Minimum Coverage: American Family car insurance rates for wheelchair-accessible vehicles start at $79/month.
• Flexible Policy Options: Based on American Family insurance customer ratings, AmFam provides customizable policies for wheelchair-accessible vehicles.

Cons

• Limited Availability: American Family wheelchair-accessible vehicle insurance isn't available in all states.
• Potential Higher Rates: Without member discounts, rates for wheelchair-accessible vehicles may be less competitive.

#10 – Erie: Best for Filing Claims

Pros

• Top Claims Satisfaction: Erie is highly rated for how it handles car insurance claims for wheelchair-accessible vehicles.
• Competitive Rates: Erie offers affordable rates starting at $76/month for wheelchair-accessible vehicles.
• Financial Stability: Erie Insurance ratings ensure reliable insurance support for wheelchair-accessible vehicles.

Cons

• Limited Geographic Reach: Erie is not available in all states, which may limit accessibility for some wheelchair-accessible vehicle owners.
• Fewer Online Tools: Limited online management tools for policies may be less convenient for wheelchair-accessible vehicle owners.

Compare Car Insurance Rates for Wheelchair-Accessible Vehicles

When looking for the best car insurance for wheelchair-accessible vehicles, it’s essential to compare rates across multiple providers. Rates can vary significantly depending on the insurer, the type of coverage, and any specific modifications to your vehicle.

Insurance Company	Minimum Coverage	Full Coverage
	$91	$162
	$79	$151
	$76	$146
	$81	$153
	$96	$168
	$84	$157
	$83	$149
	$77	$143
	$93	$171
	$87	$159

Based on the data table, State Farm offers one of the most affordable options with minimum coverage starting at $77 per month, while Erie also provides competitive rates at $76 per month. Progressive and Allstate, with rates beginning at $83 and $91 per month respectively, are also strong contenders.

Comparing quotes side-by-side allows you to identify the best value for your needs, considering factors like customer service, available discounts such as multi-policy discounts, and the insurer's experience in covering wheelchair-accessible vehicles.

Read More: How much does car insurance cost per month?

Tips for Reducing Premiums on Wheelchair-Accessible Vehicles

The top ways drivers save money on car insurance premiums for wheelchair-accessible vehicles, take advantage of various discounts provided by insurers.

Many companies, such as American Family and Farmers, offer savings for features like enhanced safety equipment, bundling multiple policies, or maintaining a pristine driving record.

Selecting an insurer like Progressive, known for its budgeting tools, can help you effectively manage and potentially reduce overall costs.

Insurance Company	Available Discount
	Adaptive Equipment Discount
	Safety Features Discount, Customized Equipment Coverage
	Adaptive Equipment Reimbursement, Multi-Policy Discount
	Custom Equipment Coverage, Good Driver Discount
	Adaptive Vehicle Discount, Safety Features Discount
	Mobility Device Discount, Vehicle Modification Coverage
	Mobility Device Discount, Continuous Coverage Discount
	Equipment Coverage Discount, Safe Driver Discount
	AARP Membership Discount, Adaptive Equipment Coverage
	Adaptive Equipment Coverage, Multi-Policy Discount

Additionally, opting for a higher deductible and regularly reviewing your policy to adjust coverage levels ensures you’re not paying more than necessary for the protection you need.

Leading Car Insurance Options for Wheelchair-Accessible Vehicles

Progressive, State Farm, and Allstate emerge as top contenders for insuring wheelchair-accessible vehicles, each excelling in different areas. Progressive is best for its comprehensive budgeting tools, allowing for flexibility in managing costs.

State Farm shines with its stellar customer service, providing dependable support to policyholders. Check out our guide 14 more ways to lower your auto insurance rates.

Allstate is recognized for its personalized assistance through a network of local agents, offering tailored solutions to meet the specific needs of wheelchair-accessible vehicle owners.

Have you heard of Drivewise? It's located in our Allstate app. We recently found out that customers who choose to use Drivewise are 25% less likely to have a severe collision than those who don't. https://t.co/HNMxg3hVAZ

— Allstate (@Allstate) May 13, 2024

Each of these insurers offers adaptable coverage that can be customized to ensure you have the optimal protection for your unique mobility requirements. See how much you’ll pay for car insurance by entering your ZIP code below into our free comparison tool.

Frequently Asked Questions

What is the best car insurance for wheelchair-accessible vehicles?

The best car insurance companies for wheelchair-accessible vehicles includes Progressive, State Farm, and Allstate. Progressive offers great budgeting tools, State Farm is known for its customer service, and Allstate provides personalized support through local agents.

How much does insurance for a wheelchair-accessible vehicle cost?

Insurance rates for wheelchair-accessible vehicles vary by provider, but the minimum coverage rates typically start around $76 to $96 per month, depending on the insurer and individual circumstances. Ready to find affordable car insurance? Get started today by entering your ZIP code below into our free comparison tool.

What factors affect insurance rates for wheelchair-accessible vehicles?

Factors affecting insurance rates include the vehicle's value, modifications, the driver’s age and driving history, location, and the level of coverage selected. Discounts, such as safe driver or multi-policy discounts, can also lower costs.

Read more insights in our "Tips to Keep Teen Drivers Safe on the Road."

Are there discounts available for wheelchair-accessible vehicle insurance?

Yes, many insurers offer discounts for wheelchair-accessible vehicles, such as multi-policy discounts, safe driver discounts, and discounts for using specific budgeting tools or bundling multiple policies.

Learn More: "How does my credit score affect my insurance premium?"

Why is Progressive a top pick for wheelchair-accessible vehicle insurance?

Progressive is a top pick because it offers budgeting tools that help wheelchair-accessible vehicle owners manage costs effectively and provides competitive rates starting at $83 per month for minimum coverage.

What makes State Farm a good choice for wheelchair-accessible vehicle insurance?

State Farm is known for its excellent customer service and support, which is ideal for wheelchair-accessible vehicle owners. It also offers competitive rates starting at $77 per month for minimum coverage.

Can I get personalized service for my wheelchair-accessible vehicle insurance needs?

Yes, companies like Allstate provide personalized service through local agents, helping wheelchair-accessible vehicle owners find customized insurance solutions tailored to their specific needs.

What should I consider when choosing insurance for a wheelchair-accessible vehicle?

Consider factors such as the insurer’s experience with wheelchair-accessible vehicles, the types of coverage available, customer service quality, available discounts, and the total cost of premiums.

Unveil additional insight in our guide "new driver car insurance".

Is it necessary to have specialized coverage for a wheelchair-accessible vehicle?

Yes, specialized coverage is often necessary to ensure that all modifications and accessibility features of the wheelchair-accessible vehicle are fully covered in case of an accident or damage. Enter your ZIP code below into our free comparison tool to see how much car insurance costs in your area.

How can I lower my insurance costs for a wheelchair-accessible vehicle?

To lower insurance costs, compare quotes from multiple providers, take advantage of discounts, maintain a clean driving record, consider bundling policies, and choose an insurer that offers budgeting tools, like Progressive.