Best Auto Insurance for Cancer Patients in 2026 (Our Top 10 Picks)

Travelers, Farmers Insurance, and Allstate have the best auto insurance for cancer patients, with rates starting at $37/mo.

Our guide goes over why these companies are the best for cancer patient auto insurance.

Our Top 10 Company Picks: Best Auto Insurance for Cancer Patients

Does having cancer affect auto insurance? In truth, not really, but there is a grey line. You’re probably wondering about the average auto insurance cost per month.

Keep reading to learn more. But, first, make sure to type your ZIP code into our free and helpful tool above to find affordable auto insurance for cancer patients in your area.

#1 – Travelers: Top Pick Overall

Pros

• Competitive prices: Travelers offers competitive rates for those looking to save money on their auto insurance.
• Multiple discounts: Discounts, including safe driver discounts, student discounts, and multi-vehicle discounts can help cut costs for cancer patients.
• Great customer service: Travelers auto insurance makes it easy to customize your own auto insurance plan. Learn more by reading our review of Travelers.

Cons

• Limited availability: Some states are not covered by Travelers auto insurance.
• Mixed customer service reviews: Customer Reviews for Travelers customer service and claims handling service is average.

#2 – Farmers: Best Comprehensive Coverage

Pros

• Comprehensive coverage: Farmers offers a variety of coverage options to meet unique insurance needs.
• Strong customer service reputation: Farmers has positive customer reviews.  Take a look at our Farmers insurance company review to learn more. 
• Multiple discounts available: Many discounts are offered to help cancer patients save on monthly premiums, including multi-policy, good student, and responsible payer discount.

Cons

• Price: Farmers insurance can be more expensive than other options.
• Limited availability: Farmers is not available in some regions.

#3 – Allstate: Best for Compassionate Service

Pros

• Extensive discount options: Cancer patients with multiple vehicles or a new car may qualify for a discount (Read More: Allstate Auto Insurance Company Review).
• Compassionate service: Allstate’s excellent customer service practices are well known. Allstate may offer assistance for customers facing hardship such as cancer.
• User-friendly mobile app: Allstate has a mobile app that can easily be accessed from a smart phone during an emergency.

Cons

• Can be expensive: Without taking advantage of discounts like the smart student discount, customers may end up paying more for insurance.
• Mixed customer reviews: Reviews show that the customers may incur delays and disputes during the claim process.

#4 – State Farm: Best for Stable Rates

Pros

• Drive Safe & Save program: State Farm’s telematics can track driving and offer lower rates for safe drivers.
• Good student discount: Drivers can benefit from discounts that can help save money on insurance payments.
• Financial Stability: State Farm’s financial stability rating means it’s able to keep rates stable and pay out claims.

Cons

• Rates can be higher: Insurance rates are higher for customers who do not qualify for offered discounts. Our State Farm auto insurance review will tell you everything you need to know about the company’s coverage options and discounts.
• Limited availability: Some areas are not eligible for State Farm coverage.

#5 – Nationwide: Best for Personalized Insurance

Pros

• Cost saving: Nationwide’s Vanishing deductible program and multi-policy discounts can help minimize out-of-pocket costs.
• Personalized service: A variety of coverage options are offered to meet any need. Find out if Nationwide has the lowest rates for you in our Nationwide auto insurance review.
• Good customer service reputation: Nationwide’s customer service team has positive reviews.

Cons

• Can be pricier for some drivers: Prices can be higher for customers who do not qualify for discounts.
• Limited availability in certain regions: Nationwide is not offered in every area.

#6 – Liberty Mutual: Best for Specialized Coverage

Pros

• Multiple discounts available: Liberty Mutual’s accident forgiveness can be helpful for those concerned about their driving record.
• Strong financial ratings: Liberty Mutual has a strong financial outlook, indicating stable rates and claim processes.
• Specialized coverage: The exclusive Coverage Customizer tool allows discounts and coverage recommendations (read more: Liberty Mutual Auto Insurance Review).

Cons

• Rates can be higher than competitors: Liberty Mutual typically has higher rates than many competitors.
• Mixed reviews regarding claims process: Reviews indicate that the company receives many customer service complaints. To see monthly premiums and honest rankings, read our Liberty Mutual review. 

#7 – Progressive: Best for Safe Driver Discounts

Pros

• Snapshot program: Progressive offers Snapshot, which uses telematics to track driving and reward safe driving with up to 30% on coverage (check out: Progressive Snapshot Review).
• Good customer service reputation: Progressive’s high ratings indicate strong financial stability from the company.
• Extensive Network: Progressive makes it accessible for customers to seek support regarding policy, claims, and changes.

Cons

• Rates can increase after an accident: Premium prices have been known to go up for customers after car wrecks.
• Some customers report issues with claims process: Progressive’s claim process is more difficult to navigate than their competitors’.

#8 – Erie: Best for Affordable Rates

Pros

• Rate Lock feature: Erie offers a feature that allows customers to lock in their rate, which can help stabilize monthly costs for cancer patients.
• Good customer service reputation: Erie has a A+ rating from A.M. Best, indicating a positive customer service experience.
• Affordable rates: Our Erie insurance review explores the company’s affordable coverage and discounts, including competitive rates may be more affordable than other insurers.

Cons

• Limited availability: Erie is only available in certain regions.
• Fewer discount options: Compared to other insurers, Erie Insurance offers less discount opportunities than other insurers.

#9 – American Family: Best for Discount Options

Pros

• KnowYourDrive program: American Family offers a program that rewards safe driving habits with lower rates. Check out our AmFam insurance review to learn more.
• Empathetic approach: American Family Insurance’s excellent customer service reputation can be beneficial for those needing assistance with coverage or claims.
• Multiple discount options: Multiple discount options can help cancer patients lower their insurance costs.

Cons

• Rates can be higher for some drivers: Some customers have reported their rates are higher than other insurers.
• Limited availability in certain areas: American Family Insurance is not offered in all states, limiting coverage based on location.

#10 – AAA: Best for Customer Service

Pros

• Membership discounts: AAA offers discounts that may be beneficial for cancer patients who are already AAA members.
• Good customer service reputation: AAA is widely known for it’s exceptional customer service.
• Transparent policies: The variety of concise policies offer peace of mind for those who may need additional coverage.

Cons

How Medical Conditions Affect Auto Insurance Rates

Insurers are all about risk. If your driving ability is diminished by a medical condition, you can bet your insurer will take that into account.

Does this mean that an insurer can just drop you from your auto insurance plan if you receive a cancer diagnosis? No.

The worst-case scenario when it comes to losing your insurance is if your doctor notifies the DMV that you are not fit to be behind the wheel. You can dispute your doctor’s assessment through an appeal, but throughout this time, you’ll have a suspended license.

Can you register a car with a suspended license? Yes, you don’t need a driver’s license to register a car, but you’ll need one to drive legally.

How does your suspended license affect auto insurance? If your license is suspended long enough, your insurer has a valid reason to drop you.

Cancer Patients Auto Insurance Monthly Rates by Coverage Level

If you feel you can drive, it’s important you appeal to your doctor’s diagnosis.

Car insurance and cancer diagnosis should not impact each other directly, though there are some factors to take into consideration.

This is because the DMV is not just going to take your word for it, they’re going to need to rely on the judgment of your doctor. Car insurance during cancer remission is necessary for many patients.

Dropping a Cancer Patient’s Car Insurance Coverage

You may be thinking, “An insurer dropping me because I have cancer? That’s not right.”  You would be correct in thinking this. An insurer dropping you solely because you have been diagnosed with a medical condition, i.e. cancer, would be unethical.

The Americans with Disabilities Act (ADA) prohibits an insurer, amongst others, from discriminating against people with disabilities. This means an insurer cannot charge higher premiums (or drop you) solely because you have certain medical conditions.

This is where that aforementioned doctor’s recommendation comes into play.

Before we move into what conditions must be disclosed, we need to clarify something. Factors that affect auto insurance rates include age, gender, and driving record.

To deny someone coverage for one of these reasons would not be discrimination because these factors are not directly relevant to any medical condition.

Medical Conditions Must Be Declared for Auto Insurance

Does a pacemaker affect auto insurance? Or do other physical issues matter to insurers? No matter your situation, you should be honest and transparent with your insurer. Tell them about anything that affects your mental, cognitive, or physical well-being.

Is it entirely their business? You may think not, but it is important to realize that not being transparent can risk your current coverage.

Let’s take a look at a quick list of medical conditions you should disclose to your insurer:

• Arthritis
• Chronic Mental Health Issues
• Diabetes
• Heart Conditions
• Epilepsy
• Parkinson’s Disease
• Dementia
• Stroke
• Vision Issues i.e. Cataracts
• Sleep Apnea

If you have any of these aforementioned conditions, err on the side of caution and inform your insurer as much.

Get a start on finding affordable auto insurance for cancer patients in your area by typing your ZIP code into our free and helpful tool below.