My fiancé is legally blind and has to drive with bioptic glasses. His car insurance rates have always been ridiculous. Any suggestions please?

My fiancé is technically legally blind and must wear bioptic glasses to drive his car. Due to the restriction on his license with these his auto insurance has always been ridiculously high. He currently has one speeding ticket (about 11 miles over the posted speed limit) on his record are there any specific companies you would suggest looking into for auto insurance for a person such as him?

Jul 23, 2019 Reynoldburg, OH

Kristine Lee

Jul 23, 2019

Insurance rates are based on the risk of someone getting into an accident. Since your fiance is legally blind and has a speeding ticket, his rates are going to be higher because of the elevated risk that he would get into an accident. Once the speeding ticket falls off, his rate should go down. Tickets stay on your record for up to three years.

Although the ADA prohibits discrimination of people with disabilities, the insurance company's job is to mitigate risk — and a driver with limited vision is simply a more risky client. As far as I know, there are no discounts for drivers with disabilities. He can always shop around to see if he can get a lower rate from a different company. Good luck, and if you have any further questions, don't hesitate to ask.

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