Is auto insurance higher if you are pregnant?

The cost of an insurance premium in general depends on the profile of the insured individual. Insurance companies will assess the risks involved based on certain factors such as age, claim & health history, and will base the insurance premium on their risk assessment. They will look into what they call “pre-existing conditions.”

If you are already pregnant prior to buying an insurance policy, many insurance companies may view pregnancy as a “pre-existing condition” so it may affect the cost of your insurance premium. Being pregnant entails a lot of costs and insurance companies will take those costs into consideration before they insure you.

Several insurance companies offer affordable car insurance for women, many of which have varying requirements when it comes to insurance applicants that are pregnant. It is best to consult with these companies in advance of purchasing a policy to inquire about their policy terms and conditions relating to pregnancy.

For those who already have existing car insurance it is best to be aware of any fine print in your insurance policy. You can check your current policy documents or inquire with your insurance company directly for more details.

Whether insured or not, it is advisable for pregnant women to be first cleared by their doctors for driving before getting behind the wheel.