Auto Insurance for SSI Recipients (2024)
Finding auto insurance for SSI recipients can be difficult since there is no specialty disability auto insurance. However, you can get discounts for disabled individuals by choosing a cheaper car and maintaining a clean record. SSI provides $841 monthly for individuals and up to $1,261 monthly for couples.
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Mathew B. Sims
Editor-in-Chief
Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.
Editor-in-Chief
UPDATED: Sep 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The Supplemental Security Income (SSI) program provides monthly payments to people with disabilities whose income is below specified financial limits
- SSI recipients must find affordable car insurance coverage if they own and drive a vehicle
- Comparing insurance quotes from multiple companies may allow you to find cheaper rates
If you or a loved one has a disability, you may be familiar with the Supplemental Security Income (SSI) program. With SSI, individuals can receive $841 monthly, and couples can receive up to $1,261 per month.
Receiving SSI can be helpful, but being on a fixed income makes it difficult to pay for certain things. Auto insurance for SSI recipients can often be difficult to figure out. But disability auto insurance may come at a more affordable price.
If you need auto insurance for disabled people, the best thing you can do is find and compare auto insurance quotes from multiple companies in your area. You may find that rates for coverage in your area are relatively low.
What is Supplemental Security Income?
Supplemental Security Income (SSI) is a subsidy from the federal government that pays individuals or households who are blind or disabled and thus have low income and resources. With SSI, people receive a specific amount per month, and individuals can spend this money however they like.
You likely don’t have additional income from many sources when you receive SSI. So paying for certain things may be difficult. Car insurance is no different. But anyone who can drive with a disability is responsible for having proper insurance.
Depending on the nature of your disability, you may not be legally allowed to drive. But if you are, there are several ways you can search for car insurance that may work best for you as an SSI recipient.
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How much is SSI auto insurance?
The amount you will pay for car insurance as an SSI recipient depends on several factors. Insurance companies determine policyholders’ rates by considering multiple things, such as:
- Age. Age is a factor regarding auto insurance rates. Young drivers are more likely to get into accidents, and older drivers face age-related issues like decreased reaction time. Read more: Average Auto Insurance Rates by Age
- Claims history. If you’ve filed multiple claims, you’ll have higher insurance rates.
- Credit score. Credit scores affect your auto insurance rates as well. Drivers with lower credit scores are more likely to file claims or miss payments. So, they’ll pay higher rates. However, California, Hawaii, Massachusetts, and Michigan insurance companies can’t use credit scores as a factor. Some states, however, ban companies from checking credit scores. Read more: Best Auto Insurance Companies That Don’t Check Credit
- Driving history. Traffic tickets, accidents, DUIs, and other similar charges will raise rates. Auto insurance companies check your driving record to determine rates.
- Gender. Auto insurance rates are different for men and women drivers. Men tend to pay higher rates than females, as statistics show men get into more accidents. However, insurers can’t consider gender in California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. Read more: Male vs. Female Auto Insurance Rates
- Marital status and homeownership. Being married and owning a home are signs of responsibility, so it’s assumed that married homeowners carry less risk. Homeowners can bundle multiple auto and homeowners policies, leading to major savings.
- Level of education. Like marital status and homeownership, the assumption is that people with higher education levels are also more responsible. However, education level only minimally impacts rates.
- Vehicle model and make. When setting rates, insurance companies consider safety ratings, crash statistics, and the vehicle’s overall expense.
- ZIP code. Where you live impacts your rates based on weather, crime rates, living costs, and similar factors. The exception is California and Michigan, where using ZIP codes to calculate rates is prohibited.
The table below shows the cheapest auto insurance for SSI recipients in each state.
Cheapest Auto Insurance Providers by State
| States | Insurance Companies | Average Monthly Rates |
|---|---|---|
| Alabama | Travelers | $81 |
| Alaska | State Farm | $76 |
| Arizona | Geico | $57 |
| Arkansas | State Farm | $100 |
| California | Geico | $109 |
| Colorado | Geico | $83 |
| Connecticut | Geico | $66 |
| Delaware | Travelers | $92 |
| Washington DC | Geico | $72 |
| Florida | Geico | $101 |
| Georgia | Geico | $112 |
| Hawaii | Geico | $64 |
| Idaho | Travelers | $63 |
| Illinois | Geico | $66 |
| Indiana | Geico | $66 |
| Iowa | Geico | $79 |
| Kansas | Geico | $95 |
| Kentucky | Geico | $91 |
| Louisiana | Geico | $120 |
| Maine | Geico | $51 |
| Maryland | Travelers | $112 |
| Massachusetts | Geico | $78 |
| Michigan | Geico | $99 |
| Minnesota | State Farm | $62 |
| Mississippi | Geico | $80 |
| Missouri | Geico | $79 |
| Montana | Liberty Mutual | $66 |
| Nebraska | State Farm | $84 |
| Nevada | Geico | $95 |
| New Hampshire | State Farm | $74 |
| New Jersey | Geico | $90 |
| New Mexico | State Farm | $83 |
| New York | Geico | $82 |
| North Carolina | Progressive | $38 |
| North Dakota | Geico | $82 |
| Ohio | Geico | $58 |
| Oklahoma | Geico | $94 |
| Oregon | Geico | $91 |
| Pennsylvania | Geico | $70 |
| Rhode Island | State Farm | $97 |
| South Carolina | Geico | $99 |
| South Dakota | Geico | $79 |
| Tennessee | Geico | $84 |
| Texas | State Farm | $98 |
| Utah | Geico | $63 |
| Vermont | Geico | $52 |
| Virginia | Progressive | $80 |
| Washington | Progressive | $80 |
| West Virginia | State Farm | $72 |
| Wisconsin | Geico | $55 |
| Wyoming | Liberty Mutual | $86 |
As a disabled driver, you may find that your rates differ from those listed in the tables. For example, you may sometimes pay higher rates because you pose more risk to insurance companies. But in other instances, you may pay lower rates if you do not drive that often or take advantage of specific discounts on coverage.
Can I get car insurance discounts as an SSI recipient?
You won’t get car insurance discounts specifically for receiving a monthly SSI supplement. But companies offer discount options for various reasons. Some of the most common auto insurance discounts available to policyholders in the U.S. include:
- Accident-free
- Safe driving
- Defensive driver auto insurance discount
- Usage-based auto insurance and telematic systems
- Military
- Disabled veteran auto insurance discount
- Alumni
- Safety devices
- Good student auto insurance discount
- Homeowner
- Multi-policy
- Paid-in-full
- Paperless
Discounts on coverage typically help policyholders save anywhere from 5% to 25%. You can speak with a representative from your insurance company to see if you qualify for a discount on your coverage.
Are there other ways to save on car insurance if I get SSI?
While disabled car insurance doesn’t exist, you may be able to find car insurance disabled adults at a cheaper rate. However, you will have to speak with individual insurers to see if this is possible, and most insurance companies will not offer discounted rates because of a disability.
Still, there are other easy ways for you to save money on coverage. For example, if you live with a spouse, dependent, or parent, you may be eligible for lower rates if you bundle your coverages together in a multi-vehicle policy. This is considered a bundling advantage with most companies.
You may benefit from a usage-based policy if you don’t drive very often. Driving seldom means you’re not as risky to most insurers since you spend less time on the road. A usage-based policy may be helpful if you do not drive much in the evenings or on the weekends.
Lastly, there are a few options for government car insurance for low-income individuals that could benefit you based on your unique situation.
Which government assistance programs work for SSI recipients?
Certain states fund auto insurance programs that help provide affordable car insurance for SSI recipients:
- Maryland. The Maryland Automobile Insurance Fund (MAIF) provides liability coverage to individuals who cannot afford standard insurance rates.
- New Jersey. The Special Automobile Insurance Policy (SAIP) is available to low-income families. It provides rates as low as $1 a day for car insurance that meets NJ’s liability requirements.
- California. The Low-Cost Automobile Program (CLCA) provides liability protection at affordable rates to low-income families. Eligible individuals must be within 250% of the federal poverty limit.
- Hawaii. Assistance to the Aged, Blind, and Disabled (AABD) provides free car insurance to people who qualify.
If you do not live in one of the states above, you may not be eligible for federal or state assistance. But there may be charitable organizations or groups in your area that could help you find affordable auto insurance or pay for some or your entire premium on your behalf.
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How to Find Cheap Auto Insurance for SSI Recipients
If you receive SSI, you likely live on a fixed income. But you are still responsible for maintaining a valid car insurance policy on your vehicle. You may be able to find cheap auto insurance with certain companies, or you could be eligible for discounts on coverage.
To find affordable coverage, shop online and compare quotes from multiple companies to see which offers the best auto insurance for SSI recipients. You may be surprised at how cheap your auto insurance rates could be.
Frequently Asked Questions
Can SSI recipients get auto insurance?
Yes, SSI recipients can obtain auto insurance coverage like any other individual. Auto insurance companies provide coverage to a wide range of customers, including SSI recipients. However, it’s important to consider the affordability of insurance premiums based on individual financial circumstances.
Are there any special auto insurance programs or discounts available for SSI recipients?
Some states and organizations offer special auto insurance programs or discounts for low-income individuals, including SSI recipients. These programs may provide affordable coverage options or discounts based on specific eligibility criteria. It’s recommended to inquire with local government agencies or non-profit organizations to explore available options.
Can SSI income impact auto insurance rates?
SSI income itself does not directly impact auto insurance rates. Insurance companies primarily consider factors such as driving record, age, location, vehicle type, and coverage options when determining premiums. However, if SSI income affects overall financial circumstances, it may indirectly influence the affordability of auto insurance for some individuals.
Is it possible to find affordable auto insurance as an SSI recipient?
Affordable auto insurance options are available for individuals on SSI. It’s advisable to shop around and obtain quotes from multiple insurance providers to compare rates. Additionally, exploring special programs, discounts, and state-specific assistance options can help SSI recipients find affordable auto insurance that fits their budget.
Can SSI recipients qualify for state-sponsored auto insurance programs?
State-sponsored auto insurance programs vary by state and may have specific eligibility criteria. Some states offer programs designed to provide affordable auto insurance options to low-income individuals, including SSI recipients. These programs may have income thresholds or other requirements. It’s recommended to inquire with local insurance departments or agencies to learn about state-specific programs.
Should SSI recipients consider liability-only coverage to reduce costs?
Liability-only coverage may be an option for SSI recipients looking to reduce auto insurance costs. Liability coverage is typically the minimum required by law and covers damages or injuries to others in an accident where the insured is at fault. However, it’s important to carefully assess personal needs, potential risks, and financial circumstances before deciding on coverage opt.
Can SSI recipients qualify for discounts based on low mileage?
SSI recipients, like any other drivers, may qualify for low-mileage discounts offered by some insurance companies. If you don’t drive frequently or have a limited annual mileage, you may be eligible for a discount. It’s advisable to inquire with insurance providers and provide accurate information about your mileage to explore available discounts.
Can SSI recipients include additional drivers, such as family members, on their auto insurance policy?
SSI recipients can typically include additional drivers, such as family members, on their auto insurance policy. However, it’s important to inform your insurance provider about all drivers who will regularly use the insured vehicle to ensure proper coverage. Insurance rates may be affected by the driving records and characteristics of the additional drivers.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Mathew B. Sims
Editor-in-Chief
Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.
Editor-in-Chief
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.