Car Insurance for Low-income drivers
Numbers refreshed
Official and insurer sources explain the rules, discounts and programs that apply to low-income drivers.
Car insurance for low-income drivers: what you need to know
- A credit-based surcharge or a discount above 40% is not something insurers in Maryland may apply. (Maryland Insurance Administration: Consumer Guide to Auto Insurance (PDF))
- Based on the insured's credit history, insurers in Maryland may not raise a renewal premium. (Maryland Insurance Administration: Consumer Guide to Auto Insurance (PDF))
- Depending on the county, annual California Low Cost Auto (CLCA) premiums run from 199 USD per year (low end) to $986 (high end). (California's Low Cost Auto Insurance Program (mylowcostauto.com, CDI program site): FAQ)
- For drivers on federal Medicaid with hospitalization, the New Jersey SAIP medical-only policy costs 365 USD annually. (New Jersey Department of Banking and Insurance: Special Automobile Insurance Policy (SAIP))
- Eligible public-assistance/SSI recipients in Hawaii get no-fault auto insurance from the state at no cost: 0 USD. (Hawaii Department of Human Services: HAR Chapter 17-654 Hawaii No-Fault Insurance (PDF))
Your estimate
The calculator prices your age, your driving record and your car in your state, and it asks for no name or phone.
Other people who drive
- Military members
- Seniors
- Veterans
- Teens (16, 17, 18 year olds)
- Car insurance without a driver's license
- New drivers
- High-risk drivers
- College students
- Insurance for leased cars
- First-time drivers (any age)
- Car insurance after a speeding ticket
- Teachers
- Insurance for financed cars
- Rideshare insurance (uber and lyft drivers)
- Car insurance after a dui
- Car insurance after an accident
- Nurses
- Drivers with disabilities
- Women
- Insurance for delivery drivers, including doordash and uber eats
- International students
First written