The type of diabetes plays a large role in how the insurance company underwrites the application. Generally Type I diabetes can expect to pay a higher premium than Type II diabetes.
Diabetes can be controlled with diet alone. Next, oral medications are used as standard first line treatment.
People with diabetes get nervous when insulin is discussed but truly you just want to be on the best regimen to control your glucose numbers. Above all, Diabetes is a numbers game! Insurance companies look at how your numbers look, not just if you have to use insulin. They focus more on BMI, hemoglobin A1c, blood pressure etc.
Don’t let taking insulin keep you from shopping companies to find the best rates- they are available!