Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jul 14, 2021

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In a nutshell...

  • Millions of people in the U.S. have diabetes and are on the road
  • Uncontrolled diabetes can lead to symptoms that make it unsafe to operate a car
  • Your driving history will be one of the most important factors when calculating the cost of car insurance

Having diabetes doesn’t mean that you can’t operate a car or obtain car insurance. Millions of people in the United States have been diagnosed with diabetes, and they go on to lead normal lives.

It’s important to know how diabetes can affect car insurance, especially if you have symptoms that make it difficult to concentrate behind the wheel.

Compare car insurance quotes and options by using our free rate comparison tool. You might be surprised by how much you could save.

Driving with Diabetes


The state where you drive might have regulations in place regarding diabetes and the symptoms and complications that you suffer from.

Some of the aspects that could impact your license include:

  • Vision problems
  • Seizures
  • Loss of consciousness
  • Hypoglycemia
  • Insulin use
  • Neuropathy

It’s important to find out about the rules in your state. You might be required to submit medical documentation to the DMV prior to getting a learner’s permit or a driver’s license.

Your doctor might also choose to submit information to the DMV at any time. If he or she feels that your symptoms are not controlled and you are a danger on the road, then medical documentation could be submitted.

Insurance companies would be able to see this information and use it when calculating how much you pay for your car insurance.

Medical evaluations are used to determine if you are fit to drive.

If you have had experienced severe hypoglycemia, for example, it might result in you being identified as an imminent threat to public safety.

You might be limited to how often you can drive, or you might have to go a certain number of months or years without having an episode before you are given driving privileges again.

You will need to adhere to the minimum levels of insurance as required by the state. You might also want to explore adding more coverage to your policy in the event that you do get into an accident.

Be sure you have enough coverage to take care of repairs to your car as well as have medical bills covered.

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Your Driving History

Your driving history is one of the most important aspects of calculating the cost of auto insurance.

If you have been involved in an accident in the past because of your diabetes, it is going to cost you more in insurance because you are identified as a higher risk driver.

Most accidents stay on your record for three years. After that time has passed, insurance companies won’t count the accident any longer.

You need to keep this in mind if you have had an accident in the past.

If you have had multiple accidents in the past year and some or all of them are related to your diabetes, then it might make it difficult to get insurance at all. Your insurance company might decide to cancel your policy or not renew your policy.

Controlling Diabetes on the Road


There’s a lot you can do to control diabetes, especially when you’re on the road. Your goal should be to keep your symptoms at bay so you don’t get into an accident.

If you can go accident-free for several years, it’s a great way to prove to insurance companies that you are not a high-risk driver, despite having diabetes.

You should check your blood glucose levels before getting behind the wheel of a car. You will be able to adjust your sugar levels prior to driving.

Maintain a logbook, too. You will be able to track your blood levels and the various triggers that lead to severe ups and downs. It will make it easier for you to control your health, and be a safer driver.

If you are prone to hypoglycemia, you should consider keeping a crash kit in your car. Inside the kit, you should have a few different supplies:

  • Glucose meter
  • Glucose tablets
  • Juice

Quick-sugar foods should always be with you so that you’re able to get your blood sugar levels up to a safe level quickly.

Diabetes might affect car insurance based on how your health is. There might be state regulations that prevent you from driving until you have a medical evaluation. Focus on your health and manage your symptoms to the best of your ability.

When you show that you are safe behind the wheel, it will be easier to get affordable insurance premiums.

The best way to save on premiums is to find the lowest rate for the coverage you need. Just enter your zip code below to compare quotes today.